Westpac processing for new loan applications is out to 8 days atm - then you have valuation after that - another 4 days.
I can imagine that ANZ is being extra careful after the losses from Opes Prime and they are one of ABC Learning's biggest creditors.
I'm fairly sure as of this month (Dec) none of the Big 4 are offering 100% loans - you might find one at a NBFI at a higher rate