1. Originator Services Loan Application Cover Sheet

1. Originator Services Loan Application Cover Sheet
OSU Enquiries: 1800 812 785, Facsimile Number 1800 501 231
APPLICATION NUMBER
To: ANZ OSU Mortgage Operations
Locked Bag 9
Collins St West Post Office
Melbourne Vic 8007
Please complete entire application in BLOCK letters
Office Use Only
Number of pages included
Approved Originator Details
Approved Originator Company/ Firm Name:
Authorised Officer/ Contact Name:
Approved Originator Number (must be completed):
Telephone:
Date application sent:
Facsimile:
AOSAO-
State:
Applicant Summary
Applicant’s Name
Amount
Product Type
$
Nominated ANZ Branch:
BSB: 01 –
Finance Clause Expiry Date:
OR
– Self Employed
CONSUMER
BUSINESS
– PAYG
– Family Trust
– Company Guarantee (Not Trading)
Packages/ Benefits/ Options (does not apply for loans in business entity)
Professional Mortgage Benefits
Breakfree Package
Pricing Discount/s
Yes
No
Lock Rate
Yes
No
Interest in Advance
Yes
No
Interest Only
Yes
No
Authorisation
I confirm the information contained in this application is true and correct.
Authorised Officer’s Signature
Item No. 9600 02.2004 W47734
Shareholder Package
Date
Name and Title
Australia and New Zealand Banking Group Limited
ABN 11 005 357 522
Application Kit re–order Facsimile Number: (03) 9551 8047
Email: ANZ_SthOakleigh@linfox.com
2.1 Originator Services Loan Application
Personal details (Primary Applicant)
Title
Applicant
First name
Director/ Partner
Guarantor
First Home Buyer
Middle name
Family name
Date of birth
Gender
Drivers licence number
State
M/F
Current housing situation
Boarding/ Own home/ Renting/ With parents/ Caravan/ Other–
Marital status
Single/ Married/ Separated or divorced/ Defacto/ Widowed
Name of spouse
No. of dependants
Age (in years) of dependant children
Permanent Australian resident
Y/N
Home phone number
Business phone
Fax number
E–mail address
Mobile phone
Address details (Primary Applicant) – minimum 3 year history
Current address – Street No./ Name, Suburb, City, State, Postcode, Country
Time at current address
yrs
mths
Mailing address – if different
Previous address – Street No./ Name, Suburb, City, State, Postcode, Country
Time at previous address
yrs
mths
Employment details (Primary Applicant) – minimum 3 year history
Employment type
Employer type
Full time/ Part time/ Casual/ Self employed/ Not employed
Occupational Group
Public sector/ Private sector
Net monthly
Gross monthly
$
$
Occupation
Employer name and Address
Time with employer
yrs
Phone number
Fax number
Is applicant currently under a probationary period?
Name of previous employer
mths
yes / no
Time with previous
employer
yrs
mths
2.2 Originator Services Loan Application
Personal details (Co–Applicant)
Title
Applicant
First name
Director/ Partner
Guarantor
First Home Buyer
Middle name
Family name
Date of birth
Gender
Drivers licence number
State
M/F
Current housing situation
Boarding/ Own home/ Renting/ With parents/ Caravan/ Other–
Marital status
Single/ Married/ Separated or divorced/ Defacto Widowed
Name of spouse
No. of dependants
Age (in years) of dependant children
Permanent Australian resident
Y/N
Home phone number
Business phone
Fax number
E–mail address
Mobile phone
Address details (Co–Applicant) – minimum 3 year history
Current address – Street No./ Name, Suburb, City, State, Postcode, Country
Time at current address
yrs
mths
Mailing address – if different
Previous address – Street No./ Name, Suburb, City, State, Postcode, Country
Time at previous address
yrs
mths
Employment details (Co–Applicant) – minimum 3 year history
Employment type
Employer type
Full time/ Part time/ Casual/ Self employed/ Not employed
Occupational Group
Public sector/ Private sector
Net monthly
Gross monthly
$
$
Occupation
Employer name and Address
Time with employer
yrs
Phone number
Fax number
Is applicant currently under a probationary period?
Name of previous employer
mths
yes / no
Time with previous
employer
yrs
mths
2.3 Originator Services Loan Application
Security details
COPY THIS PAGE FOR ADDITIONAL SECURITIES
Security type
Property zoning
Registered mortgage/ 2nd registered mortgage/ Guarantee/ Other
Standard residential
Security given by
Vacant Land
ACT Leasehold
Address/ Location of the property –
Street No./ Name, Suburb, City, State, Postcode
Rural residential housing/ rural housing
(2 to 10 hectares)
Rural residential housing/ rural housing
(>10 hectares)
Property tenure
Property type
Freehold/ Lease
Property Use
To be built/ Established
No. of bedrooms
Property Development
Residential/ Investment
1 Bedroom small sized (<50m2)
Title type
Bachelor/ Bed-sitter
Torrens/ Old law/ Leasehold/ Other:
Studio/ Warehouse apartments
Value details
Security value
Customer stated value
Transfer of land value
Multi-dwellings on one title
Company title units
Guarantee amount
Hotel/ Motel re-development
(residential-strata title)
Documentation details
Contract of
Sale held
Residential Luxury – House
Date of Contract
Certificate of
Y / N
Title held
Y / N
Transfer of
Land held
Y / N
Residential Luxury – Other
University apartments/
Student accommodation
Settlement date:
Property Access Details
Name
Contact No.
Title details (if applicable)
Land Title
Extent of holding
Extent description
Volume
Folio
Plan number
Lot number
Description of land
Non–property type details
Security description
Nature of security
Registration number
Construction Loan details – if applicable
Owner Builder experience
Detailed
Completed similar project
costings held
in last 2 years
Construction Loan Details
Registered Licensed
Builder/ Fixed Price
Contract
Copy of licence
from Registered
Builder held
Works in the
building industry
Council
approved
plans held
Satisfactory
TOC held
First time builder with
minimum experience
Evidence of
construction
insurance held
Solicitor’s details
Name of solicitor
Phone number
Business address
Fax number
10% of loan amount held
as cash in the bank
Other
Signed fixed
price builders
contract held
2.4 Originator Services Loan Application
Loan details
Purchase property
Refinance sought
Lenders Mortgage Insurance
(LMI) required
Approval in Principle sought
Valuation required
(show date requested)
Loan purpose
Loan purpose
Progressive draw
Construction/ Existing/ New Building/ Vacant Land/ Other:
Y / N
Estimated settlement date
Loan type sought
Consumer
Amount
HVC
Home Loan Variable Rate
$
HFC
Home Loan Fixed Rate
$
HDC
Easy Start Home Loan
$
HBC
Money Saver Home Loan
$
HRC
Residential Land Loan
$
HLC
Money Saver Land Loan
$
RC
Equity Manager
$
RN
Equity Manager – no cheque
$
REC
Home Equity Loan
$
NEC
Home Equity – no cheque
$
IVC
Residential Investment Loan Variable Rate
$
IFC
Residential Investment Loan Fixed Rate
$
IEC
Easy Start Residential Investment Loan
$
IBC
Money Saver Residential Investment Loan
$
IAC
Residential Investment Loan Interest in Advance
$
IRC
Residential Investment Land Loan
$
ILC
Money Saver Investment Land Loan
$
Other
Product code and name
$
CVB
Home Loan Variable Rate (company name)
$
CFB
Home Loan Fixed Rate (company name)
$
IVB
Business Residential Investment Loan
Variable Rate (company name)
$
IFB
Business Residential Investment Loan
Fixed Rate (company name)
$
IAB
Business Residential Investment Loan
Interest in Advance (company name)
Business Money Saver Residential Investment Loan
(company name)
$
Product code and name
$
Security to Product (street name)
Business
IBB
Other
$
Refinance details
Other Financial Institution Name/ Address
Account number
Amount
$
2.5 Originator Services Loan Application
Loan details
USE A SEPARATE FORM FOR EACH LOAN
Purchase price of property
$
Additional costs
$
Deposit paid
$
Own funds
$
Gift
$
Total loan amount sought
$
years
Loan term sought (this loan)
Fixed Rate term (if applicable)
Lock rate
years
Y/N
years
Interest–Only term (if applicable)
Payment method
Capitalised / Redirect
Periodical payment Account
%
Interest rate quoted
Professional Mortgage Benefits
Loan payment details
Breakfree Package
Shareholder Package
Repayments
Frequency
Frequency for RIL Interest-in-Advance only
$
per
weekly/ fortnightly/ monthly
monthly/ quarterly/ half-yearly/ annually
Interest redirect account for interest – only loans
Statement cycle
Half-yearly/ quarterly/ monthly
Loan Approval Fee discounts
$100 if at least one of the following applies
Loan Periodic Payments from ANZ account
Salary credit to ANZ account
ANZ Credit Card holder
Mortgage Repayment Insurance
$100 if at least one of the following applies
Home and Contents Insurance (once taken)
Residential Investment Property Insurance
ANZ Shareholder
• Attach copy of Shareholder Privilege Card
$100 for ANZ Shareholder
Loan Approval Fee $600 less discounts
(minimum fee $400 except Money Saver $600)
Security Document Preparation Fee $200 each
(for Home Loans and RILs in a Company Name)
$
No
$
Loan payment details
Finance bank fees
Y/N
Finance security/ Government fees
Y/N
Finance Mortgage Insurance Premium
Y/N
Ongoing fee charging method
Notes
• No discount on
loans in a Company
Name or Money Saver
Loans.
2.6 Originator Services Loan Application
ANZ Breakfree Package
TO BE COMPLETED ONLY
FOR ANZ BREAKFREE PACKAGE
Application Number (Staff use only)
Instructions for Section 2.6 – Fields marked ** are mandatory.
If this information is missing, we are unable to process your Breakfree Package application.
** Approved Originator Number (must be completed)
AO-
** Telephone:
** Facsimile:
SAOExisting ANZ Breakfree Package Customer
**1 Applicant Details
Applicant 1
Surname
Given Names
Address
Phone No
Applicant 2
Surname
Given Names
Address
Phone No
**2 Nomination of Mandatory Accounts (if more than 2 applicants complete another 2.6 form and attach to this application)
I/We nominate the following Mandatory Accounts. (Please note that each applicant under the ANZ Breakfree Package must be an account
holder (either jointly or alone) for at least one of the nominated Mandatory Accounts. Refer to the ANZ Breakfree Terms and Conditions for a
description of Mandatory Accounts.)
**Mandatory Mortgage Lending Account(s)
I/We nominate the loan accounts included in this loan application as Mandatory Mortgage Lending Accounts.
I/We also nominate the following existing loan accounts to be included in the ANZ Breakfree Package as Mandatory Mortgage Lending Accounts:
(please note that existing loan accounts can only be included if the borrowers are ANZ Breakfree Package holders)
Account holder(s)
Account number
Account holder(s)
Account number
**Mandatory Transaction Account
I/We will need to open a new transaction account as part of this Package.
I/We nominate the following ANZ Transaction Account as part of this Package.
Mandatory account
Account number
Held in the name(s)
Note: The annual package fee will be charged to your mandatory transaction account once your loan is drawn.
2.6 Originator Services Loan Application (cont..)
TO BE COMPLETED ONLY
FOR ANZ BREAKFREE PACKAGE
ANZ Breakfree Package
**Mandatory Gold Credit Card Account#
I apply for a new ANZ Gold Credit Card. I have read and accept the terms set out on this application form.
Note: If you do not select a card type below, an ANZ Gold credit card will be selected as your Mandatory Gold Credit Card.
ANZ Gold
Telstra Visa Gold
ANZ Frequent Flyer Visa Gold
Name of applicant
**Security Code*
Your card will be mailed to an ANZ Branch for collection. Which ANZ Branch do you wish your card to be sent to?
Branch Name
Additional Cardholder
If there is an additional cardholder for your Mandatory Gold Credit card please complete below.
Name of additional cardholder
Date of Birth
**Security Code*
Please complete if you are applying for a new ANZ Frequent Flyer Visa Gold
Existing Qantas Club/Qantas Frequent Flyer Number##
Title
Account holder’s surname
First name
Account holder’s signature
Existing ANZ Credit Card Holders only
The applicant named below holds a current ANZ Gold, Telstra Visa Gold or ANZ Frequent Flyer Visa Gold and I/we nominate this account
as my/our Mandatory Gold Credit Card account.
Account holder
Card Type
**Security Code*
ANZ Gold
Telstra Visa Gold
ANZ Frequent Flyer Visa Gold
Card number
My current ANZ credit card is not an ANZ Gold, Telstra Visa Gold or ANZ Frequent Flyer Visa Gold.
I request you to transfer my existing ANZ Credit Card Account to the ANZ Gold Credit Card Account selected below and I/we nominate this
as my/our Mandatory Gold Credit Card account. You will keep your current credit card limit if it is $5,000 or more. If it is less than $5,000
your limit will be increased to $5,000. I have read and accept the terms setout on this application.
Card number
Account holder
Card Type
**Security Code*
ANZ Gold
Telstra Visa Gold
ANZ Frequent Flyer Visa Gold
# Customers who are either applying for a new ANZ Credit Card or requesting to transfer between ANZ Credit Cards may be required by ANZ to complete a full credit card application form
* For identification purpose - eg a word meaningful only to you.
## You must be a member of the Qantas Frequent Flyer program to earn points with your ANZ Frequent Flyer Visa Gold Card. Please call Qantas on 13 11 31 if you are not a member.
If you have applied for a new Gold Card or a transfer to a Gold Card on this form, you must read section 3 below
2.6 Originator Services Loan Application (cont..)
ANZ Breakfree Package
TO BE COMPLETED ONLY
FOR ANZ BREAKFREE PACKAGE
3 Important information concerning ANZ Gold Card Accounts
In this clause, Qantas is Qantas Airways Limited ABN 16 009 661 901.
ANZ is collecting your personal information to enable it to assess your
application and, if it is approved, to provide you with the product you
are applying for. Without this information we may not be able to
consider or approve your application. ANZ and its alliance partners
(including Qantas) may disclose your personal information to:
• any service provider ANZ or its alliance partners (including Qantas)
engage to carry out or assist its functions and activities;
• credit reporting agencies;
• your referee;
• other persons ANZ is authorised or required by law to disclose
information to (and other persons where you have consented to
the disclosure).
You may request access to your information by calling 13 19 51. Access
will be granted in accordance with the Privacy Act 1988 for a reasonable
fee. If any of your information is inaccurate, you may request that it be
corrected.
By signing below I agree to ANZ doing the following things.
My consent to certain disclosures of personal information
ANZ may give my personal information (including information about my
credit worthiness, history, standing or capacity) to:
• Qantas
• any service provider ANZ or its alliance partners (including Qantas)
engage to carry out or assist its functions and activities;
• credit reporting agencies;
• any credit provider for any purpose I have agreed to.
I authorise these people to have access to my personal information
from ANZ.
ANZ may only give my personal information to another credit provider:
• to assess my credit application;
• to assess my credit worthiness;
• to help me avoid a default on my obligations; or
• to tell a credit provider of any default I have made.
Where I do not want ANZ to tell me about its products or services or
those of its related companies or alliance partners, I may withdraw my
consent by calling 13 22 73 at any time.
Personal Information
My agreement to the use and disclosure of my personal information
applies to any personal information collected by ANZ in the course of my
relationship with ANZ.
TRANSFER AUTHORITY
Where I have requested a product transfer, I authorise ANZ to close my
existing Card Account and to transfer any outstanding balance as at the
date of transfer to my new Card Account and to transfer any other
transactions effected by me or any Additional Cardholder in respect of
my existing account but which are not included in the balance
transferred. I acknowledge that the accrual of Points on my new Card is
subject to the Rewards Terms and Conditions applicable to that card. I
understand that the outstanding balance as at the date of transfer and
any other transactions effected by me or any Additional Cardholder,
transferred pursuant to this Transfer Authority will not earn Points.
DECLARATION & SIGNATURE
By signing this form I agree that the written details in this application
form are true and correct.
Promotion of other products or services
If this application is approved, ANZ and Qantas may use my personal
information to help ANZ and Qantas plan, research, market and promote
their products or services or those of their related companies and ANZ’s
other alliance partners. ANZ and Qantas may also disclose my personal
information to their related companies and ANZ’s other alliance partners
to enable them, ANZ or Qantas to market their products or services.
4 Declaration
By signing this form I/we:
•
acknowledge that the written details in this application are true and correct and are given in support of this application; and
•
acknowledge that I/we have received a copy of the ANZ Breakfree Terms and Conditions, and agree to accept and be bound by those
terms and conditions; and
•
agree to any variation to existing accounts as set out above and in the ANZ Breakfree Terms and Conditions; and
•
confirm that the annual ANZ Breakfree Package Fee of $295 will be debited to my/our Mandatory Transaction Account or where there are
insufficient funds in that account, to any other ANZ Account held by me/us (or any of us), in accordance with clause 5 of the ANZ
Breakfree Terms and Conditions when ANZ accepts my/our application. I/we agree that it will also be debited annually thereafter whilst
I/we remain an ANZ Breakfree Package Holder.
My/our signature(s) evidence(s) my/our stated understanding of, and consent to all matters set out in this Application Form.
Signature of Applicant 1
Date:
Signature of Applicant 2
Date:
2.7 Originator Services Loan Application
Personal statement of financial position – ALL AREAS MUST BE COMPLETED BY CUSTOMER
Name(s)
Date
/
Assets
Liabilities
Limit(s)
Present value
$
ANZ account(s) Total
Other financial institution account(s) Total $
$
Other Cash Assets (Share/Bonds)
Current outstanding
ANZ Home Loan
$
ANZ Investment Loan
$
ANZ Overdraft
Property Assets (list Address & Value)
$
$
Loans with other financial institutions
$
Overdraft with other
financial institutions
$
$
$
Credit / Store Cards
$
$
Total Property Assets
$
$
Other liabilities
Due
Contribution paid to deposit on property
$
Outstanding taxation
Total Number of Motor Vehicles
No.
Other – please specify
Total Value of Motor Vehicles
$
$
$
Total assets
(1)
/
$
$
Total liabilities
(2)
Total assets
(1)
$
Total
less Total liabilities
(2)
$
$
Net assets
$
$
Income earner 2 $
$
(=1–2) $
Credit commitments
Loan Repayments for this facility
Net (p.m.)
Income earner 1 $
$
Expenditure (average monthly)
Income (average monthly)
Gross (p.a.)
/
$
Total Other Assets (eg insured value of
contents and valuables, boat etc)
– please specify
Base salary
/
$
Loan Repayment for other ANZ loans/HP’s $
Loan Repayment for non ANZ loans/HP’s $
$
Credit/store cards
Other income
Regular overtime
$
Other commitments
Government benefits/ pension
$
Total Living Expenses
Part–time/ casual employment
$
Dividends/ Interest
$
(includes: Motor Vehicle, Rates, Electricity, Gas, Telephone, Food,
Clothing, Personal, Home Insurance, and Education Expenses)
Commission
Rent received
$
Rent/Board
$
Net
Insurance – Contents/Medical etc
$
Life/Income replacement insurance
$
Child Maintenance
$
Other – Please specify
$
Monthly gross
$
x75%* $
*do not show rental property expenses as separate expense items
Other – please specify
$
$
$
$
Total net monthly income
(3)
$
$
$
Declaration and Signature
(4)
$
Total net monthly income
(3)
$
less Total monthly expenditure
(4)
$
Uncommitted monthly income
(=3–4) $
Total net monthly expenditure
I/ We declare that the details contained within this Personal
Statement of Financial Position are true and correct.
Signature
Date
/
/
Signature
Date
Print name
/
Print name
/
2.8 Originator Services Loan Application
Complete only if borrower is a Business Entity
Company Details
Company Name
Business Type
Company Name
P/ L / Partnership / Trust / Sole proprietor / Other:
Business Phone
Business fax
ACN/ ARBN
Trading Address
Brief description of business
Has business diversified?
If yes, when?
No / Yes
Year commenced trading
/
Who are the shareholders/ beneficiaries?
Name
Owned
/
Number of legal entities in group
1.
Number of legal entities with ANZ
2.
3.
Period of time with your current bank?
Bank
Branch
4.
5.
Does your business currently:
Position
%
%
%
%
%
If Yes of Intend to, please give details
Operate as a franchise? No / Yes / Intend to
Import/ export?
No / Yes / Intend to
Invest in property?
No / Yes / Intend to
Financial Performance Summary
Business trading results (last 2 years)
Does your business do more than 25% of its business with one customer
or supplier? Please give details.
Year ended
Turnover
$
$
Other income
$
$
Depreciation
$
$
Interest/ Lease
Tax expense
$
$
$
$
Net profit after tax
$
$
No / Yes
Does your business have any taxation outstanding? Please give details.
No / Yes
Is the principal place of business subject to lease agreement? Please give details.
No / Yes
Other Loan details (if insufficient space, please attach additional notes)
Are other new ANZ business loans/ limits required? (include loans to be refinanced by ANZ)
Loan/ Limit purpose (working capital, investment, expansion, other)
1.
Loan Term
months and/ or
years
$
Loan/ Limit
amount requested
$
2.
$
$
3.
$
$
Total other new ANZ Business loans/ limits required
$
Is 100% funding required for Term Loans? Please give details.
No / Yes
Existing Non–ANZ business loan/ limit details
(exclude loans to be refinanced by ANZ, but include all other existing non–ANZ business loan/ limits)
Loan/ Limit purpose
Rate
Fixed Rate? Remaining Term Finance provider
% No / Yes
1.
% No / Yes
2.
%
3.
No / Yes
Loan/ limit amount
$
$
$
Please summarise any non–ANZ personal consumer loans/ limits held by proprietors/ directors/ guarantors (exclude credit cards)
Borrower(s) Name(s)
1.
Loan Type
Rate
%
Fixed Rate?
No / Yes
Remaining Term Finance provider
Loan/ limit amount
$
2.
%
No / Yes
$
3.
%
No / Yes
$
3. Credit Information Authority and Declaration - Applicants
ANZ's collection, use and disclosure of personal information
ANZ is collecting your personal information to enable it to assess your application and, if it is approved, to provide you with the product or
service you are applying for. Without this information we may not be able to consider or approve your application. ANZ may disclose your
personal information to:
• any person who introduces you to ANZ;
• any service provider ANZ engages to carry out or assist its functions and activities;
• credit reporting agencies;
• a mortgage insurer or re-insurer;
• your referee;
• other persons ANZ is authorised or required by law to disclose information to (and other persons where you have consented to
the disclosure).
You may request access to your information at any of our branches. Access will be granted in accordance with the Privacy Act 1988 for a
reasonable fee. If any of your information is inaccurate, you may request that it be corrected.
DECLARATIONS AND PRIVACY CONSENTS
By signing below I agree to ANZ doing the following things.
My consent to certain disclosures of personal information
ANZ may give my personal information (including information about my credit worthiness, history, standing or capacity) to:
• any credit reporting agency;
• any contractor or service provider ANZ engages to provide services connected with my relationship with ANZ;
• an intending guarantor , to enable that person to consider whether or not to act as guarantor, or offer property as security, for a loan
I or a joint borrower have applied for with ANZ;
• a person who is a guarantor, or has provided property as security, for a loan I have with ANZ;
• a mortgage insurer or a re-insurer of a mortgage insurer;
• any credit provider for any purpose I have agreed to.
I authorise these people to have access to my personal information from ANZ.
ANZ may only give my personal information to another credit provider:
• to assess my credit application;
• to assess my credit worthiness;
• to help me avoid a default on my obligations; or
• to tell a credit provider of any default I have made.
Banker’s Opinion
ANZ may obtain from other banks, and disclose to other banks, a banker’s opinion about my consumer credit worthiness for use in the
assessment of an application for credit I have made.
Promotion of other products or services
If this application is approved, then until I tell you otherwise:
• ANZ may use my personal information to help ANZ promote its products or services or those of its related companies and alliance
partners;
• ANZ may also disclose my personal information to its related companies or its alliance partners in connection with that purpose:
• to enable them to decide if they want ANZ to tell me about a product or service;
• where they have agreed to only use the information for this purpose and where they have agreed to keep the information
confidential and return it to ANZ (or destroy it) as soon as it has been used for this purpose.
Where I do not want ANZ to tell me about its products or services or those of its related companies or alliance partners, I may withdraw my
consent by calling 13 22 73 at any time.
Personal Information
My agreement to the use and disclosure of my personal information applies to any personal information collected by ANZ in the course of my
relationship with ANZ.
3.1 Credit Information Authority and Declaration - Applicants
Declaration and privacy consents for insurer/re-insurer of ANZ
Because ANZ will or may be seeking lenders mortgage insurance from the insurer/re-insurer listed below (the “insurer”/"re-insurer"), I agree to
the insurer/re-insurer doing the following things:
• the insurer/re-insurer may obtain a credit report containing my personal information and use it in assessing ANZ’s application
for insurance;
• the insurer/re-insurer may also obtain information about my commercial activities and commercial credit worthiness from any business
which provides that type of information, and use that information to assess ANZ’s application for insurance;
• the insurer/re-insurer may give my personal information (including information about my credit worthiness, history, standing or capacity)
to any credit reporting agency, any contractor or service provider the insurer/re-insurer engages to provide services connected with my
relationship with the insurer/re-insurer, and any credit provider.
I authorise these people to have access to my personal information from the insurer/re-insurer.
The insurer/re-insurer may also receive my personal information from these people. In each case however, my personal information is only to
be given or received in connection with ANZ’s application for insurance or the insurance/reinsurance provided.
The insurer is as follows:
ANZ Lenders Mortgage Insurance Pty Ltd
Level 22, 530 Collins Street
Melbourne Vic 3000
ABN 77 008 680 055
Enquiries call 13 25 99
The re-insurer is as follows:
PMI Mortgage Insurance Ltd
Level 23, 50 Bridge Street
Sydney NSW 2000
ABN 70 000 511 071
Toll-free call 1300 367 764
DECLARATION SIGNATURE
I have read and understood this application and declaration. I acknowledge that all information provided in this application is true and correct.
I agree to the matters specified in the Declaration.
Applicant’s name
Applicant’s signature
Applicant’s name
Date
Applicant’s signature
Date
3.2 Credit Information Authority and Declaration – Guarantors
ANZ's collection, use and disclosure of personal information
ANZ is collecting your personal information to enable it to assess you as a guarantor to this application for credit. Without this information we
may not be able to consider or approve this application. ANZ may disclose your personal information to:
• any person who introduces you to ANZ;
• any service provider ANZ engages to carry out or assist its functions and activities;
• credit reporting agencies;
• a mortgage insurer or re-insurer;
• your referee;
• other persons ANZ is authorised or required by law to disclose information to (and other persons where you have consented to
the disclosure).
You may request access to your information at any of our branches. Access will be granted in accordance with the Privacy Act 1988 for a
reasonable fee. If any of your information is inaccurate, you may request that it be corrected.
INTENDING GUARANTOR’S DECLARATION AND PRIVACY CONSENTS
By signing below I agree to ANZ doing the following things.
My consent to certain disclosures of personal information
ANZ may give my personal information (including information about my credit worthiness, history, standing or capacity) to:
• any credit reporting agency;
• any contractor or service provider ANZ engages to provide services connected with my relationship with ANZ;
• a mortgage insurer or a re-insurer of a mortgage insurer;
• any credit provider for any purpose I have agreed to.
I authorise these people to have access to my personal information from ANZ.
ANZ may only give my personal information to another credit provider:
• to assess the credit application made by the applicant;
• to assess my credit worthiness;
• to help me avoid a default on my obligations; or
• to tell a credit provider of any default I have made.
My consent to obtain and use a credit report
ANZ may obtain a credit report containing my personal information and use it in assessing whether to accept me as a guarantor of the credit
applied for by the applicant.
Banker’s Opinion
ANZ may obtain from other banks, and disclose to other banks, a banker’s opinion about my consumer credit worthiness for use in the
assessment of the applicant’s request for credit.
Promotion of other products or services
If this application is approved, then until I tell you otherwise:
• ANZ may use my personal information to help ANZ promote its products or services or those of its related companies and alliance
partners;
• ANZ may also disclose my personal information to its related companies or its alliance partners in connection with that purpose:
• to enable them to decide if they want ANZ to tell me about a product or service;
• where they have agreed to only use the information for this purpose and where they have agreed to keep the information
confidential and return it to ANZ (or destroy it) as soon as it has been used for this purpose.
Where I do not want ANZ to tell me about its products or services or those of its related companies or alliance partners, I may withdraw my
consent by calling 13 22 73 at any time.
3.3 Credit Information Authority and Declaration – Guarantors
Declaration and privacy consents for insurer/re-insurer of ANZ
Because ANZ will or may be seeking Lenders Mortgage Insurance from the insurer/re-insurer listed below (the "insurer"/"re-insurer") in relation
to the Applicant's request for credit, I agree to the insurer/re-insurer doing the following things:
• the insurer/re-insurer may obtain a credit report containing my personal information and use it in assessing ANZ's application for insurance;
• the insurer/re-insurer may also obtain information about my commercial activities and commercial credit worthiness from any business
which provides that type of information, and use that information to assess ANZ's application for insurance;
• the insurer/re-insurer may give my personal information (including information about my credit worthiness, history, standing or capacity)
to any credit reporting agency, any contractor or service provider the insurer/re-insurer engages to provide services connected with my
relationship with the insurer/re-insurer, and any credit provider.
I authorise these people to have access to my personal information from the insurer/re-insurer.
The insurer/re-insurer may also receive my personal information from these people. In each case however, my personal information is only to
be given or received in connection with ANZ's application for insurance or the insurance/re-insurance provided.
The insurer is as follows:
ANZ Lenders Mortgage Insurance Pty Ltd
Level 22, 530 Collins Street
Melbourne, Vic, 3000
ABN 77 008 680 055
Enquiries call 13 25 99
The re-insurer is as follows:
PMI Mortgage Insurance Ltd
Level 23, 50 Bridge Street
Sydney, NSW, 2000
ABN 70 000 511 071
Toll free call 1300 367 764
Personal Information
I agree to the matters specified in this Intending Guarantor’s Declaration and Privacy Consents form. My agreement to the use and disclosure
of my personal information applies to any personal information collected by ANZ in the course of my relationship with ANZ.
Guarantor’s name
Guarantor’s Signature
Guarantor’s name
Date
Guarantor’s Signature
Date
4. Acknowledgement
Confirmation that information contained in the Loan Application form is true and correct.
I/We confirm that the information contained in our Loan Application (including any information contained in the Personal Statement of
Financial Position) correctly and truly represents all the information provided by me to the Approved Originator. I/We authorise ANZ to discuss
with the Approved Originator any matter concerning the information contained in this Loan Application submitted by the Approved Originator
on my/our behalf.
I/We also authorise ANZ to confirm the details contained in my/our Loan Application with my/our accountant, financial adviser or employer.
A copy of this acknowledgment page may be given to my/our account, financial adviser or employer as evidence of my consent to them
confirming with ANZ any of the details contained in my/our Loan Application.
I/ We authorise the Approved Originator to forward this information (together with any other information provided by me/ us to the Approved
Originator concerning this Loan Application) to ANZ.
Representations and warranties
I/ We have not relied upon any representation or warranty made by the Approved Originator before submitting this Loan
Application.
Approved Originator is not an agent of ANZ
I/ We acknowledge that the Approved Originator is not an agent of ANZ and acts independently of ANZ.
If I/ we require any information regarding the loan product which is the subject of this Loan Application or any other loan products of ANZ then
I/ we can contact ANZ directly.
Acknowledgement that Credit Information may be given to/obtained by Approved Originator
I/ We acknowledge that ANZ may disclose to the Approved Originator or its officers or any successor of the Approved Originator any
information about my/ our credit arrangement (including my current loan balance) with ANZ and credit history obtained from any credit
reporting agency for the purpose of furthering my application with ANZ and;
•
to enable the Approved Originator to calculate a trailer fee (being an ongoing fee for the term of the loan) payable to the Approved
Originator;
•
to enable the Approved Originator to ascertain when it is entitled to a trailer fee;
•
for any other reasonable purpose.
Signature(s)
Date
Witnessed by – (print name)
being the ANZ Accredited Approved Originator
Signature(s)
Date
5. Nomination Form
under the Consumer Credit Code for a Credit Contract
Notes • To be completed for regulated credit only
• A separate nomination form is required for each credit contract
• Debtors cannot nominate ANZ or a person associated with ANZ
• The nomination may only be taken if all debtors under the credit contract agree to nominate
Print full name of each debtors, ie each customer under the credit contract
Surname
Other names
Surname
Other names
Surname
Other names
Surname
Other names
I/ We nominate (Full name of person nominated)
Print address of nominated party
Print description of credit contract
Loan type
Amount of credit
$
to receive notice and other documents under the Consumer Credit Code on behalf of me/ all of us.
I/ We also nominate that person to receive all other documents regarding the credit contract on my/ our behalf.
Important information for people signing this form.
Each debtor is entitled to receive a copy of any notice or other joint document under the Code,
however, by signing this Nomination Form, I am/ we are giving up the right to be provided with
information direct from ANZ.
Any person who has signed this form can advise ANZ at any time in writing that they wish to cancel
their nomination.
Signature of debtor
Date
Signature of debtor
Date
Signature of debtor
Date
Signature of debtor
Date
6. Declaration of Purpose
under the Consumer Credit Code for a Credit Contract
To:
Australia and New Zealand Banking Group Limited
ABN 11 005 357 522
I/ We declare that the credit to be provided to me/ us by ANZ is to be applied wholly or predominantly for business or investment purposes
(or for both purposes).
Important
You should not sign this declaration unless this loan is wholly or predominantly for
business or investment purposes.
By signing this declaration you may lose your protection under the Consumer Credit Code.
Print full name of each customer under the credit contract
Surname
Other names
Surname
Other names
Surname
Other names
Surname
Other names
Description of credit contract or account number
I/We also declare that the details contained within this Application Form are true and correct.
Applicant
Director/ Partner
Applicant
Director/ Partner
Signature of customer
Date
Signature of customer
Date
Signature of witness
Date
Signature of witness
Date
Print name of witness
Applicant
Print name of witness
Director/ Partner
Applicant
Director/ Partner
Signature of customer
Date
Signature of customer
Date
Signature of witness
Date
Signature of witness
Date
Print name of witness
Print name of witness
7. Loan Interview Diary Note
Yes
Name(s) of customer(s) present at interview
No
Separate comments sheet attached?
Name of customer appointed to obtain necessary
signatures on loan acceptance
Location of interview
Date of interview
Provide details of any other pertinent information obtained during
the loan interview which may be of interest to the Bank or any
unusual circumstances you may wish to record
Were all customers interviewed in person?
If not, please indicate who was
Yes
No
Do all of the customers appear to clearly
understand English?
If No to above, have the services of an
interpreter been recommended?
Do all of the customers clearly benefit
from taking out this loan?
If No to above question, what enquiries have been made to
ascertain the level of benefit to each party to the loan
Are any customers acting as though under duress or
other disability? (If yes, refer to Bank for direction)
Are any customers acting as though they are unsure
of anything about the loan?
Are any of the customers acting as though they are
unable to comprehend their obligations?
The following booklets/ brochures were provided to the customers
during the loan interview or sent to them via mail
‘ANZ Personal Banking Account Fees and Charges’
Are there any Guarantors?
If Yes to any of the above 4 questions, has customer(s)
been advised to obtain services of a lawyer or financial
counsellor?
‘Consumer Lending Terms and Conditions’
‘ANZ Saving & Transaction Products –
Product Disclosure Statement’
‘ANZ Breakfree Terms and Conditions’
The current Comparison Rate Schedule was
provided to the customer/s during the loan interview.
Authorisation
Authorised Officer’s Signature
Date
Name and Title
8. Uncommitted Monthly Income Calculation Worksheet
Income*
Monthly net salaried income
Applicant 1
$
Applicant 2
$
Applicant 3
$
Applicant 4
$
Regular overtime
$
Government benefits/pension
$
Part-time/casual employment
$
Dividends/Interest
$
Commission
$
Rent received
Monthly gross
$
x75%*
$
Total
$
Total Income
$
*If LVR is greater than 80%, refer to Section 4 of the Operations Manual to ascertain what types of income ANZ LMI will accept. Income must be both ongoing and have been consistent over a number of years.
Expenses
Credit commitments
Loan Repayments for this facility
(calculated at 1.50% above standard variable rate)
$
Loan Repayments for other ANZ Loans / HP’s
(calculated at 1.50% above standard variable rate)
$
Loan Repayments for non ANZ Loans/HP’s
(calculated at 1.50% above standard variable rate)
$
Credit/store cards (3% of limits)
$
Other commitments
Total living expenses
(1)
$
(Includes: Motor Vehicle, Rates, Electricity,
Gas, Telephone, Food, Clothing, Personal,
Home Insurance and Education Expenses)
Rent/board (if continuing)
$
Insurance – Contents/Medical etc
$
Life/Income replacement Insurance
$
Child Maintenance
$
Other
$
Total
$
Total Expenses $
Uncommitted Monthly Income (UMI) $
*Notes:
1. $630 primary applicant, $325 per additional applicant, $165 per dependant, $310 per vehicle
*As at print date October, 2003.
9. Approved Originator Loan Documentation Checklist
The following documents are required for ANZ to assess and provide a decision for the specific loan application.
Please check the appropriate box as acknowledgement that the required forms have been completed and are enclosed with the application.
ANZ provided forms required for ALL applications
Make sure all forms signed and dated where required. Where there are 3 or more parties to the application, please continue
application on additional stationery forms (eg. details of guarantors).
1. Originator Services Loan Application Cover Sheet
2.1 & 2.2 Originator Services Loan Application – Personal details
2.3 Originator Services Loan Application – Security details
– forward copy To ANZ Authorised Valuations Officer/ Manager with instructions, where applicable
– refer to Operations Manual for details of valuations process and list of Authorised ANZ Valuers
2.4 & 2.5 Originator Services Loan Application – Loan details
– if Residential Investment Loan sought, rental details must be provided. Refer section below "Evidence Of Rental Income"
2.6 Originator Services Loan Application – ANZ Breakfree Package
2.7 Originator Services Loan Application – Personal Statement of Financial Position
– one per joint applicants where bona fide de facto or spouses, otherwise one per applicant
– one per guarantor (where applicable)
2.8 Originator Services Loan Application – Business entity
– complete only if a business entity is borrowing for an ANZ Home Loan or ANZ Residential Investment Loan
3. & 3.1 & 3.2 & 3.3 Credit Information Authority and Declaration – Applications/ Guarantor
4. Acknowledgement
– confirmation that information contained in the loan application is true and correct
5. Nomination Form – where appropriate, and where all applicants reside at same address
6. Declaration of Purpose
7. Loan Interview Diary Note
8. Uncommitted Monthly Income Calculation Worksheet
9. Approved Originator Loan Documentation Checklist – (this page)
10 & 10.1. Kerbside valuation Request and Report
11 & 11.1. Standard Full and Short Form Valuation Request and Report
Non–ANZ documents required for ALL applications
Evidence of Personal Income
– if PAYE, please provide copies of 3 months pay slips/ salary advice (at least 1 original) for each applicant
– if self employed, please provide copies of 2 years’ personal and business financial statements, and 2
years’ copies of most recent personal and business income tax returns.
Evidence of Company Income
– copies of 2 years signed balance sheet, profit and loss statement and company and personal tax
returns
Evidence of Rental Income
– copy of Lease(s), valuation from ANZ Authorised Valuer confirming Rental Income or Real Estate Agents
rental statements
Copy of document(s)
– confirming date of birth, copy of Drivers Licence, Birth Certificate, or Passport
Confirmation of Equity
Evidence for Refinance
– copy of bank statements, receipts, accounts etc confirming equity of applicant(s)
– copy of current Rates Notice
Evidence of Company Formation
– Certificate of Incorporation for a company
– Company Constitution
– Registration of a Business Name for a Firm
Evidence of 5% Genuine Savings – copy of bank statements for past 6 months (transaction listings not acceptable)
Additional documents required
Purchase
Building
Owner/ Builder Refinance
Full copy of Contract of Sale*
Copy of Certificate of Title
Copy of Foreign Investment Review Board Certificate* (if applicable)
Copy current 6 months loan statements (transaction listings not acceptable)
Copy Fixed Price Building Contract*
Copy Council approved plans*
Copy of Housing Guarantee and/ or domestic insurance policy*
Break–up of construction costs
Quotations supporting construction costs
Copy of Insurance Policy document for Residential Property Insurance*
* These documents do not need to be submitted with the initial application, but are required
by ANZ prior to providing an unconditional decision.
10. ANZ Kerbside Valuation Request and Report
(Please write clearly in black pen)
Date Requested
/
AO First Name
Surname
Approved Originator Number
AOSAO-
/
BSB/CC
3-026/252
Telephone
Borrowers First Name
Facsimile
Surname
PLEASE NOTE: All valuations are to be facsimiled to the
Approved Originator who requested it.
Security address
Number
Street
Suburb
Postcode
Documents
Contact
Plans
Vol
Specifications
Attached
Title
Lot
Folio
No
Yes
Plan
Available from – Name
Telephone
Property type
House
Vacant Land
Contract price
Unit/Townhouse
Date of sale
$
Customer Est.
/
/
LVR
$
%
Property description
Land dimensions
Area
Improvements
Brick
Brick Veneer
Weatherboard
Type of dwelling (ie Conventional/Edwardian etc.)
No. Bedrooms
No. Bathrooms
Single
Storey
Other
Year built
No. Living Areas
Roof Const: Tiled
Double
Storey
Other
Additions (year)
Other
Size of dwelling
m2
or
sq.
Estimate
Known
Car accommodation
On street
Single garage
Double garage
Car space
Single carport
Other
Ancillary improvements
Landscape
gardens
Swimming pool
Spa
Tennis court
General comments (Description of property to be assessed)
Australia and New Zealand Banking Group Limited
ABN 11 005 357 522
Other
Double carport
10.1 ANZ Kerbside Valuation Request and Report
(Please write clearly in black pen)
Valuer to complete
Inspection date
/
Security address
/
Valuer Reference Numbers
Kerbside Assessment
Property Risk Rating
1
2
3
4
Market Risk Rating
5
1
Location & Neighbourhood
Reduced value next 2-3 years
Land
Market Volatility
Environmental Issues
Local economy impact
Quality
Marketability
2
3
4
5
Risk Ratings: 1 = Low, 2 = Low to Medium, 3 = Medium, 4 = Medium to High, 5 = High
Property Type
Two-tier Market?
Yes
No
Property Type
Lending Cautions
General comments
Estimated Rental
$
Price Estimate
(pw)
$
I hereby certify that I have personally inspected this property on the date below and have carried out the assessments above as at the date.
In determining our price estimate, particulars provided by the ANZ and the stated assumptions have been relied upon, and should they be
found to differ at any time in the future
reserves the right to revise the estimate.
Neither the whole nor part of this report or any reference thereto may be included in any document, circular or statement, without our written
approval of the form and context in which it will appear. This price estimate is for the use of the party to whom it is addressed and for no
other purpose. No responsibility is accepted to any third party other than ANZ’s mortgage insurers who may use or rely on the whole or any
part of the content of this price estimate.
This report is subject to the qualifications agreed to between ANZ and the valuer
Valuers Name
Valuers Signature
Valuation company
Contact Number
Valuation Company Signature
Report date
/
Australia and New Zealand Banking Group Limited
ABN 11 005 357 522
/
11. ANZ Standard Full and Short form Valuation Request and Report
(Please write clearly in black pen)
Date Requested
/
AO First Name
Approved Originator Number
AOSAO-
Surname
/
BSB/CC
3-026/252
Telephone
Borrowers First Name
Facsimile
Surname
PLEASE NOTE: All valuations are to be facsimiled to the
Approved Originator who requested it.
Standard Full
Type of Valuation
Purchase off the plan
TOC
Short Form
Security address
Number
Street
Suburb
Postcode
Contract price
$
Customer Est.
$
Date of Sale
LVR
%
Contact for access
Name
Owner
Agent
After hours
Work
Other
Mobile
Documents
Contract
Specifications
Plans
Vol
Title
Folio
Yes
Attached/faxed
Lot
No
Plan
Available from - Name
Telephone
Valuer to complete
Valuer Reference- Numbers
Property type
House
Vacant land
Unit/Townhose
Under Construction
Renovation/Additions
Farm
Property desciption
Area
Land dimensions
Improvements
Brick
Brick Veneer
Weatherborad
Style of dwelling (ie Conventional/Edwardian etc.)
Double
Single
Story
story
Additions (year)
Other
Year Built
Other
Size of dwelling
m2
No. Bathrooms
No. Bedrooms
No.Living areas
Roof Const: Tiled
Car accommodation
Single
garage
Double
garage
Australia and New Zealand Banking Group Limited
ABN 11 005 357 522
Car space
Single
carport
Double
carport
Other
Other
11.1 ANZ Standard Full and Short form Valuation Request and Report
(Please write clearly in black pen)
Ancillary improvements
Landscape
gardens
Spa
Swimming pool
Inspection Date
Tennis
court
Other
Security Address
Valuer Reference Numbers
Full valuation report
Property Risk Ratings
Location & Neighourhood
1
2
3
4
5
Market Risk Ratings
Reduced value next 2-3 years
Land
Market Volatility
Enviroment Issues
Local economy impact
Improvements
Market Segment conditions
1
2
3
4
5
Risk Ratings: 1 = Low, 2 = Low to Medium, 3 = Medium, 4 = Medium to High, 5 = High
Valuation assessment summary
Land
Improvements
$
Valuation for Mortgage
purpose
$
Weekly Rental
$
Insurance Cover
$
This report is for the use of the party to which it is addressed and its mortgage insurers for mortgage purposes. I hereby certify that I
personally inspected this property on the date below and have carried out the assessments above as at that date. Neither, I or any member of
this firm, has any conflict of interest, direct or indirect or financial interest in relation to this property that is not disclosed.
Neither the whole nor part of this report or any reference thereto may be included in any document, circular or statement, without our written
approval of the form and context in which it will appear. This valuation is for the use only of the party to whom it is addressed and for no other
purpose. No responsibility is accepted to any third party other than ANZ’s mortgage insurers who may use or rely on the whole or any part of
the content of this valuation
This report is subject to the qualifications agreed to between ANZ and the valuer.
Property Type
Two-tier Market?
No
Yes
Lending Cautions
Property Type
General comments
Valuers name
Valuers signature
Valuation company
Australia and New Zealand Banking Group Limited
ABN 11 005 357 522
Contact number
Valuation Company signature
Report date