Loan Details

Sub- Account 1 (mandatory)

Loan Amount $ , ,
Term years (max 30 years)

Loan Purpose Private and/ or domestic Business and/ or investment

Repayment type Principal & interest Interest only Interest only during construction

Complete if
“Interest only” } Interest only period 1 year 2 years 3 years 4 years 5 years

Sub- Account 2 (if required)

Loan Amount $ , ,
Term years (max 30 years)

Loan Purpose Private and/ or domestic Business and/ or investment

Repayment type Principal & interest Interest only Interest only during construction

Complete if
“Interest only” } Interest only period 1 year 2 years 3 years 4 years 5 years

LOAN ACCOUNT STRUCTURE

Who will be the Borrower(s)? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Who will be the Guarantor(s)? Applicant 1 Applicant 2 Applicant 3 Applicant 4

VERIFICATION TYPE

What will be the Verification type? Full Doc Lo Doc No Doc

(the rest of this page has been left intentionally blank)

APP 001 - 07/06 Version 1.1

Individual Details
Complete a separate page for each Individual Applicant

Which Applicant is this? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Full Name
Title First Name

Middle name(s)

Last Name

Trust Name- if Applicant is making this application in its capacity as trustee of a trust

If Applicant is making this application as trustee of a trust, is the trust a Superannuation trust? Yes No

Contact Details
Phone Number Mobile Phone Number

( )
Current Address
Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Post settlement address (if different to current address)

Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Drivers licence number Date of Birth

D D M M Y Y
Does this Applicant have a HECs/ PELs/ HELP debt? Yes No

Residency Status Are you living in Aust. now? Length of continuous residency within Aust.
Citizen Permanent Other Yes No years months
Resident
No. Adults - who aren’t Applicants No. Children
Dependents 0 1 2 3 4 0 1 2 3 4
(circle one) (circle one)
Employment/ Self Employment details
Employer’s/ Self Employed Business’ trading name as shown in White Pages Months in current employment

months
ABN (if Self Employed income earner) Months self employed

- - - months
Accountant’s details (For full doc self employed income earners)
Trading Name

First Name Last Name

Phone Number Mobile Phone Number

( )
Applicant’s nearest living relative in Australia (must not be an Applicant)
First Name Last Name

Phone Number Mobile Phone Number

( )
APP 002 - 07/06 Version 1.1
Individual Details
Complete a separate page for each Individual Applicant

Which Applicant is this? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Full Name
Title First Name

Middle name(s)

Last Name

Trust Name- if Applicant is making this application in its capacity as trustee of a trust

If Applicant is making this application as trustee of a trust, is the trust a Superannuation trust? Yes No

Contact Details
Phone Number Mobile Phone Number

( )
Current Address
Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Post settlement address (if different to current address)

Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Drivers licence number Date of Birth

D D M M Y Y
Does this Applicant have a HECs/ PELs/ HELP debt? Yes No

Residency Status Are you living in Aust. now? Length of continuous residency within Aust.
Citizen Permanent Other Yes No years months
Resident
No. Adults - who aren’t Applicants No. Children
Dependents 0 1 2 3 4 0 1 2 3 4
(circle one) (circle one)
Employment/ Self Employment details
Employer’s/ Self Employed Business’ trading name as shown in White Pages Months in current employment

months
ABN (if Self Employed income earner) Months self employed

- - - months
Accountant’s details (For full doc self employed income earners)
Trading Name

First Name Last Name

Phone Number Mobile Phone Number

( )
Applicant’s nearest living relative in Australia (must not be an Applicant)
First Name Last Name

Phone Number Mobile Phone Number

( )
APP 003 - 07/06 Version 1.1
Individual Details
Complete a separate page for each Individual Applicant

Which Applicant is this? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Full Name
Title First Name

Middle name(s)

Last Name

Trust Name- if Applicant is making this application in its capacity as trustee of a trust

If Applicant is making this application as trustee of a trust, is the trust a Superannuation trust? Yes No

Contact Details
Phone Number Mobile Phone Number

( )
Current Address
Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Post settlement address (if different to current address)

Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Drivers licence number Date of Birth

D D M M Y Y
Does this Applicant have a HECs/ PELs/ HELP debt? Yes No

Residency Status Are you living in Aust. now? Length of continuous residency within Aust.
Citizen Permanent Other Yes No years months
Resident
No. Adults - who aren’t Applicants No. Children
Dependents 0 1 2 3 4 0 1 2 3 4
(circle one) (circle one)
Employment/ Self Employment details
Employer’s/ Self Employed Business’ trading name as shown in White Pages Months in current employment

months
ABN (if Self Employed income earner) Months self employed

- - - months
Accountant’s details (For full doc self employed income earners)
Trading Name

First Name Last Name

Phone Number Mobile Phone Number

( )
Applicant’s nearest living relative in Australia (must not be an Applicant)
First Name Last Name

Phone Number Mobile Phone Number

( )
APP 004 - 07/06 Version 1.1
Individual Details
Complete a separate page for each Individual Applicant

Which Applicant is this? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Full Name
Title First Name

Middle name(s)

Last Name

Trust Name- if Applicant is making this application in its capacity as trustee of a trust

If Applicant is making this application as trustee of a trust, is the trust a Superannuation trust? Yes No

Contact Details
Phone Number Mobile Phone Number

( )
Current Address
Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Post settlement address (if different to current address)

Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Drivers licence number Date of Birth

D D M M Y Y
Does this Applicant have a HECs/ PELs/ HELP debt? Yes No

Residency Status Are you living in Aust. now? Length of continuous residency within Aust.
Citizen Permanent Other Yes No years months
Resident
No. Adults - who aren’t Applicants No. Children
Dependents 0 1 2 3 4 0 1 2 3 4
(circle one) (circle one)
Employment/ Self Employment details
Employer’s/ Self Employed Business’ trading name as shown in White Pages Months in current employment

months
ABN (if Self Employed income earner) Months self employed

- - - months
Accountant’s details (For full doc self employed income earners)
Trading Name

First Name Last Name

Phone Number Mobile Phone Number

( )
Applicant’s nearest living relative in Australia (must not be an Applicant)
First Name Last Name

Phone Number Mobile Phone Number

( )
APP 005 - 07/06 Version 1.1
Applicant Identity Verification
Complete one table for each Individual Applicant totalling a minimum of 100 points

Please note: At least one identification document must show the Applicants full legal name (e.g John Barry Smith) and
must match the name as shown on the Applicant’s Individual Details page.

Also note: if the Applicant’s last name as it appears on the Medicare card differs from the name appearing on the
Applicant’s other identity documents, please provide a copy of a supplementary document (e.g. marriage certificate or
deed poll) confirming that both names identify the Applicant as one and the same person.

Applicant Medicare Card Citizenship - Passport or Drivers Licence

Document Type (25 Points) Birth Certificate (70 Points) (40 Points) Other

Full name as appears on

Document

Date of Birth as shown

Document No.

Applicant Medicare Card Citizenship - Passport or Drivers Licence

Document Type (25 Points) Birth Certificate (70 Points) (40 Points) Other

Full name as appears on

Document

Date of Birth as shown

Document No.

Applicant Medicare Card Citizenship - Passport or Drivers Licence

Document Type (25 Points) Birth Certificate (70 Points) (40 Points) Other

Full name as appears on

Document

Date of Birth as shown

Document No.

Applicant Medicare Card Citizenship - Passport or Drivers Licence

Document Type (25 Points) Birth Certificate (70 Points) (40 Points) Other

Full name as appears on

Document

Date of Birth as shown

Document No.

Mortgage Manager / Mortgage Introducer Declaration

I declare that I have sighted the Originals of all Documentation supporting the loan as above (e.g Payslips/Group Certificates etc)
and that the photocopies provided are a true representation of the documents sighted

Signed (the Mortgage Manager / Mortgage Introducer to sign)

Mortgage Manager / Mortgage Introducer Signature: (Customer does not sign) Date:

APP 006 - 07/06 Version 1.1

Company Details
Complete a separate page for each Company Applicant.

Which Applicant is this? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Company Name

Trust name- if Applicant is making this application in its capacity as trustee of a trust

If Applicant is making this application as trustee Yes No Yes No

Is Applicant a strata corporation?
of a trust, is the trust a Superannuation trust?
ACN ABN
- - - - -
Current Address
Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Post settlement address (if different to current address)

Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Accountant’s details (For full doc self employed income earners)

Trading Name

First Name Last Name

Phone Number Mobile Phone Number

( )
Company Declaration: Acknowledgement Of Reliance On Information Provided By Applicant
Company Name

Name of company director making declaration on behalf of this company

First Name Last Name

1. I declare that this Company’s average MONTHLY profit before tax is per
$ ,
(Note: Do Not Complete If A No Doc Loan): month
2. I declare that this Company has been operating in its industry for: months
3. I acknowledge that the Company has requested that the Originator & the Lender not require documentary evidence of the
Company’s income, outgoings, assets and liabilities;
4. I acknowledge that the Credit Providers have relied upon the information contained in the Loan Application, including the
above information which was provided by the Company in or with its Loan Application in order for the Lender to assess its ability to
make loan repayments and approve its Loan Application
5. I acknowledge that the Credit Providers have not independently verified the information relating to the Company’s income
provided by it in or with its Loan Application.
6. And I declare that I am duly appointed by the Company to make these declarations on its behalf and that the information
provided in or with the Company’s Loan Application is true and correct and that the Company can afford to make the relevant loan
repayments in accordance with the loan terms and without substantial financial hardship.
Directors Signature: Date:

APP 007 - 07/06 Version 1.1

Security Property Details
Security Property Address
Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Title Particulars (if Known)

Ownership
Who will own this property ? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Property Type House Apartment Serviced Apartment Vacant Land Other

If the property is an Apartment or Serviced Apartment: - how many storeys are there in the building?
- how many apartments are there in the development

Estimated Floor Area: square metres

Property Value

Is the property being purchased? Yes No

Complete if “Yes” } Contract of sale price $ , ,

Complete if “No” } Estimated Value of Property $ , ,
Occupation

Is the property a rental investment? Yes No

Complete if “Yes” } Rental Value (per Month) $ ,

First Home Owners Grant

Does this Applicant qualify for First Home Owners Grant Scheme? Yes No

Existing Mortgage Details

Is the property currently mortgaged to anyone? Yes No

First Mortgagee Name Account Number

Complete
if “Yes” } Second Mortgagee name (if applicable) Account number

Construction

Is the property being constructed? Yes No

(the rest of this page has been left intentionally blank)

APP 008 - 07/06 Version 1.1

Security Property Details
Security Property Address
Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Title Particulars (if Known)

Ownership
Who will own this property ? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Property Type House Apartment Serviced Apartment Vacant Land Other

If the property is an Apartment or Serviced Apartment: - how many storeys are there in the building?
- how many apartments are there in the development

Estimated Floor Area: square metres

Property Value

Is the property being purchased? Yes No

Complete if “Yes” } Contract of sale price $ , ,

Complete if “No” } Estimated Value of Property $ , ,
Occupation

Is the property a rental investment? Yes No

Complete if “Yes” } Rental Value (per Month) $ ,

First Home Owners Grant

Does this Applicant qualify for First Home Owners Grant Scheme? Yes No

Existing Mortgage Details

Is the property currently mortgaged to anyone? Yes No

First Mortgagee Name Account Number

Complete
if “Yes” } Second Mortgagee name (if applicable) Account number

Construction

Is the property being constructed? Yes No

(the rest of this page has been left intentionally blank)

APP 009 - 07/06 Version 1.1

Assets
Deposit paid on real estate assets being purchased and to be offered as Security for this application
Which Applicant(s) Owns This Asset?
Property Address Amount Paid 1 2 3 4
$ , ,
$ , ,
$ , ,
$ , ,
Real estate assets being refinanced and to be offered as Security for this application
Which Applicant(s) Owns This Asset?
Property Address Estimated Value 1 2 3 4
$ , ,
$ , ,
$ , ,
$ , ,
Real estate assets NOT on this application
Which Applicant(s) Owns This Asset?
Property Address Estimated Value 1 2 3 4
$ , ,
$ , ,
$ , ,
$ , ,
Motor Vehicles
Which Applicant(s) Owns This Asset?
Make / Model Estimated Value 1 2 3 4
$ , ,
$ , ,
$ , ,
$ , ,
Shares/ Managed funds
Which Applicant(s) Owns This Asset?
Description Estimated Value 1 2 3 4
$ , ,
$ , ,
$ , ,
$ , ,
Business Assets
Which Applicant(s) Owns This Asset?
Description Estimated Value 1 2 3 4
$ , ,
$ , ,
$ , ,
$ , ,
Cash at Bank
Which Applicant(s) Owns This Asset?
Description Amount 1 2 3 4
$ , ,
$ , ,
$ , ,
Other Assets
Which Applicant(s) Owns This Asset?
Description Estimated Value 1 2 3 4
$ , ,
$ , ,
APP 010 - 07/06 Version 1.1
Liabilities & Expenses
New Loan(s) the subject of this Application
Loan Accounts Monthly Repayment Requested Loan Amount
Loan Account 1 $ , $ , ,
Loan Account 2 $ , $ , ,
Existing Mortgages over the Security property(s) on this Application
Being paid Which Applicant(s)
out at Owes This Liability?
Property Address/ Mortgagee Payout Figure 1 2 3 4
settlement?
$ , , X
$ , , X
$ , , X
$ , , X
Other Mortgages over property(s) not subject to this Application
Is this an Being paid Which Applicant(s)
investment out at Owes This Liability?
Property Address/ Mortgagee Monthly Repayment Current Limit 1 2 3 4
loan? settlement?
$ , $ , ,
$ , $ , ,
$ , $ , ,
Credit cards/ Store cards/ Interest free store facilities
Being paid Which Applicant(s)
out at Owes This Liability?
Card type/ Lender Current Limit 1 2 3 4
settlement?
$ ,
$ ,
$ ,
$ ,
Personal Loan/ Overdraft/ Line of Credit/ Car or equipment loan or lease
Being paid Which Applicant(s)
out at Owes This Liability?
Description/ Lender Monthly Repayment Current Balance 1 2 3 4
settlement?
$ , $ , ,
$ , $ , ,
$ , $ , ,
$ , $ , ,
Unpaid Defaults / Judgments
Being paid Which Applicant(s)
out at Owes This Liability?
Description Amount 1 2 3 4
settlement?
$ ,
$ ,
Rental Expense
Being paid Which Applicant(s)
out at Pays This Expense?
Property Address Monthly Expense settlement? 1 2 3 4
$ ,
$ ,
Other Expenses
Being paid Which Applicant(s)
out at Pays This Expense?
Property Address Monthly Payment settlement? 1 2 3 4
$ ,
$ ,
$ ,
$ ,
APP 011 - 07/06 Version 1.1
Income Do not complete if a No Doc loan
Self employed income (Full Doc) Which Applicant(s)
Earns This Income?
Description Gross Monthly Income 1 2 3 4
$ ,
$ ,
$ ,
$ ,
Self employed income (Self Certified, as per Self Certified Declaration) Which Applicant(s)
Earns This Income?
Description Gross Monthly Income 1 2 3 4
$ ,
$ ,
$ ,
$ ,
PAYG- Full time income Which Applicant(s)
Earns This Income?
Employer Gross Monthly Income 1 2 3 4
$ ,
$ ,
$ ,
$ ,
PAYG - Part Time, Casual, Bonus, Commission, Shift Or Motor Vehicle Allowance Income Which Applicant(s)
Earns This Income?
Employer Gross Monthly Income 1 2 3 4
$ ,
$ ,
$ ,
$ ,
PAYG - Overtime Income Which Applicant(s)
Earns This Income?
Employer Gross Monthly Income 1 2 3 4
$ ,
$ ,
$ ,
$ ,
Rental Income Which Applicant(s)
Is this a
Security Earns This Income?
Rental Property Address Gross Monthly Income 1 2 3 4
property?
$ ,
$ ,
$ ,
$ ,
Investment income (dividends, annuities, interest) Is this a Which Applicant(s)
Security Earns This Income?
Description Gross Monthly income 1 2 3 4
property?
$ ,
$ ,
$ ,
$ ,
APP 012 - 07/06 Version 1.1
Individual Self Certified Declaration (Lo Doc) /
Loan Affordability Declaration (No Doc)
Complete a separate page for each Individual Applicant

Which Applicant is this? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Name of Individual Applicant making this declaration

First Name Last Name

ABN (if Self Employed income earner) Months self employed

- - - months

My average GROSS MONTHLY income is per month

$ ,
(NOTE: DO NOT COMPLETE IF A NO DOC LOAN):

Which Applicant is this? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Name of Individual Applicant making this declaration

First Name Last Name

ABN (if Self Employed income earner) Months self employed

- - - months

My average GROSS MONTHLY income is per month

$ ,
(NOTE: DO NOT COMPLETE IF A NO DOC LOAN):

Which Applicant is this? Applicant 1 Applicant 2 Applicant 3 Applicant 4

Name of Individual Applicant making this declaration

First Name Last Name

ABN (if Self Employed income earner) Months self employed

- - - months

My average GROSS MONTHLY income is per month

$ ,
(NOTE: DO NOT COMPLETE IF A NO DOC LOAN):

I/ we acknowledge that:
1. That I/ we have requested the Credit Providers to not require documentary evidence of my income, outgoings,assets and
liabilities.
2. That the Credit Providers have relied upon the information contained in the Loan Application, including the above
information which was provided by me/ us in or with my Loan Application in order for the Lender to assess my ability to
make loan repayments and approve my Loan Application
3. That the Credit Providers have not independently verified the information relating to my/ our income provided by me/ us in
or with my/ our Loan Application.
4. And declare that the information provided in or with my/ our Loan Application is true and correct and that I/ we can afford to
make the relevant loan repayments in accordance with the loan terms and without substantial financial hardship.

Applicants Signature: Date:

Applicants Signature: Date:

Applicants Signature: Date:

APP 013 - 07/06 Version 1.1

Employment Confirmation Letter
If an Applicant is claiming PAYG income the Applicant can verify this income by providing 2 payslips and either:
- 3 month’s bank statements showing the income claimed was deposited into the Applicant’s account,
- 2 years of Group Certificates;
- Tax returns and Tax Assessment Notices for the last 2 years; or
- By arranging for the Applicant’s Employer to complete this Employment Confirmation Letter.

Employer Name (“Employer”)

Employer Address
Unit No. Street No. Street/Road Name Street Type

Suburb State Postcode

Employees Full Name

Title First Name

Middle name(s)

Last Name

Length of Employee’s employment years months

Employee’s average GROSS MONTHLY income is as follows:

- PAYG- Full time $ , per month

- PAYG- Part time, casual, bonus, commission,

$ , per month
shift and Motor vehicle allowance income

- PAYG- overtime income $ , per month

Signature:

Full name of person providing this information:

Title of person providing this information:

Date:

(the rest of this page has been left intentionally blank)

APP 014 - 07/06 Version 1.1

Declarations
Permission to obtain and disclose credit and personal information
What The Privacy Act 1988 (Act) allows certain information
information about the applicant and any guarantor referred to in
can be this application (you) to be disclosed, including:
disclosed? • details to identify you, such as your name, sex, date
of birth, current and 2 previous addresses, your
current or last known employer, and your driver’s
licence number
• the fact that you have applied for credit and the
amount or that we are a current credit provider to
you, or that you have agreed to be a guarantor
• advice that payments previously notified as unpaid
are no longer overdue
Credit Providers
Who can give We (your loan originator) and our related corporations,
or obtain any introducer, dealer or broker referred to in the loan
information? application, any person assisting in processing the loan
application, and other entities involved in the funding or
securitisation of your loan, (the Credit Providers)
may:
• obtain a commercial and a consumer credit report
containing information about you from a credit
reporting agency
• exchange credit information about you with each
other, and
• exchange credit information about you with any
credit reporting agency and any other provider of
credit to you named in your credit application or a
credit report from a credit reporting agency.
When can This information can be obtained or disclosed by the
information Credit Providers before, during or after the provision of
be obtained credit, for the various purposes prescribed by the Act
or disclosed? including:
• assessing your application for consumer or
commercial credit or to be a guarantor for the
applicant, assessing your credit worthiness,
managing your loan or the arrangements under
which your loan is funded or collecting overdue
payments
Privacy notice in respect of personal information
General Your right to privacy is important to us. This statement
explains the types of information the Credit Providers
hold about you and any guarantor referred to in your
loan application, your privacy rights and our general
rights and obligations in relation to your personal
information.
When you apply for a loan with us, the application form,
whether paper-based or electronic, will contain
What types of The Credit Providers hold information that identifies
information you, such as your name and address and other
the Credit information provided by you and people nominated by
Providers you when you made the loan application.
hold about The Credit Providers may also hold or collect
you information obtained from other sources, such as a
credit report about you and valuers reports about any
• payments overdue for at least 60 days and for which
collection action has started
• cheques for more than $100 drawn by you which
have been dishonoured more than once
• in specified circumstances, that in our opinion you
have committed a serious credit infringement
• the fact that credit provided to you by us has been
paid or otherwise discharged
• other information about credit standing, worthiness,
history or capacity that credit providers can disclose
under the Act, including a credit report.
Guarantors
The Credit Providers may give a guarantor, or a
person who is considering becoming a guarantor,
credit information about you for the purpose of
enabling the guarantor to decide whether to act as
guarantor or to keep informed about the guarantee.
Lenders mortgage and trade insurers
A lender’s mortgage insurer or a registered trade
insurer may obtain a consumer credit report about you
from a Credit Provider or from a credit reporting
agency to assess whether to provide lenders mortgage
insurance to us in relation to an application for
consumer credit, or whether to provide trade insurance
to us in relation to an application for commercial credit.
• if you are in default under a credit agreement,
notifying, and exchanging information with, other
credit providers and any collection agent of ours
• to allow a credit reporting agency to create or
maintain a credit information file about you.
(or be linked to) notices and requests for consent
required by the Privacy Act 1988.
The application form or website screen which collects
your personal information will specify how we use and
disclose your information in more detail.
You may request access at any time to personal
information held by us about you and ask us to correct
it if you believe it is incorrect or out of date.
property which secures your loan.
During the course of our relationship with you, the
Credit Providers may gather information about you
relating to other products and services that the Credit
Providers or our preferred providers provide to you and
form views about how the Credit Providers can improve
our relationship with you.
APP 015 - 07/06 Version 1.1
Declarations (continued)
Privacy notice in respect of personal information (continued)
How the We use your personal information to: We may also use your personal information to:
Credit • help us process any application you make for new • analyse products and customer needs and develop
Providers products or services; new products; and
may use your • administer and manage all products or services we • inform you of products and services provided by us
personal provide to you; and or our preferred providers which we consider may
information be of value or interest to you, unless you tell or have
• facilitate our internal business operations, including
fulfilling legal requirements and conducting previously told us not to.
confidential systems maintenance and testing.

The Credit The Credit Providers may disclose your personal
Providers’ information, if it is necessary to do so in the following
rights to circumstances:
disclose your • to our external service providers (which may be
personal located overseas) that provide services for the
information purposes only of our business, on a confidential
basis, for example, our lenders’ mortgage insurer,
registered trade insurer, mailing house, valuers,
surveyors, auctioneers, real estate agents and debt
collectors;
• to other persons who have an interest in any
property offered to us as security;
• to a guarantor, or person who is considering
becoming a guarantor;
• to any party acquiring an interest in your loan and
any related securities provided by you or any other
person (including mortgages and guarantees);
• to government agencies, in connection with your
mortgage, for example to stamp and register
mortgages;
• to anyone acting on your behalf, for example your
financial broker, solicitor or accountant, unless you
tell us not to, referees, or any financial institution
nominated by you (for example in a direct debit
form) or anyone else you request; and
• where the law requires or permits us to do so or if
you consent.

Your By continuing to maintain a loan with us, you

authority to consent to us maintaining, using and disclosing
the Credit your personal information in the manner set out in
Providers this privacy statement.

Marketing The Credit Providers may use, and share with our If you do not want to receive any information about
purposes related entities, information about you other than products and services (supplied by us or our
information only available from a credit file for preferred providers) which we consider may be of
marketing our products with you. value or interest to you, please check tick this box

Acknowledg- By signing this application, you acknowledge having You authorise the persons named to give and obtain, in
ement read and understood this permission to obtain and accordance with the Privacy Act, the information
disclose information. specified above until the credit is repaid in full.

Borrower Benefit Declaration

I/ we declare that all borrowing entities will receive a financial benefit from any credit provided pursuant to this Application.
General Declarations
1. I/ we declare that I/ we will not use any Credit provided pursuant to this Application for unlawful or criminal purposes or for the
repayment of debts incurred through gambling
2. I/ We acknowledge that the Credit Providers will rely upon the information contained in this Application including the information
which was provided by me/ us in or with my/ our Application in order for the Credit Providers to assess my/ our ability to make
loan repayments and approve this Application.
3. I/we acknowledge that no fee or charge (including without limitation any lenders’ mortgage insurance premium) paid or to be paid
in respect of my/our application (or any loan made as a result of that application) is refundable in any circumstances unless
expressly stated in the loan contract
All Applicants to sign and date below
Applicants Signature: Date:

Applicants Signature: Date:

Applicants Signature: Date:

Applicants Signature: Date:

APP 016 - 07/06 Version 1.1

Application for Finance
Fax to: 1300 856 053
Originator Code
Originator Sale
Person’s Name

Proposed Settlement Date

D D M M Y Y

Application Type New Loan Increase Change of security Change of repayment type

Expected Delivery Rate . %

Trail % . %

Marginisation % . % resulting in an upfront commission of: . %

Loadings:
Is the LMI fee to be included in rate? Yes No

Complete
if “Yes” } LMI loading % p.a. . %
Complete
if “No” } LMI Fee $ ,
Construction % . %
(e.g. S- 21, from
Expected Borrower Rate % . % Expected Product Code - product matrix)

Application Fee $ , (including valuation and processing fee)

Collected to Date $ ,
Does this Application qualify for First Home Owners Grant Scheme? Yes No

MORTGAGE MANAGER’S CHECKLIST

The following information is to be submitted prior to Conditional Approval
- Fully completed Application Form:
- Loan Details (max two sub- accounts)
- Individual Details (one per Individual Applicant)
- Company Details (one per Company Applicant)
- Statement of Position: Assets, Liabilities, Income & Expenses (one per Application)
- Applicant Identity Verification (one table per individual Applicant)
- Security Property Details (one per Security property)
- Income Declaration (one per Applicant, claiming Self Employed (Self Certified) income)
- Declaration page signed by all Applicants
- If any Security property is being refinanced, 6/ 12 months statements for the mortgage(s) being refinanced
- If any Security property is being constructed, the schedule to the Fixed Price Building Contract showing builder’s details,
progress payments and expected completion date (if applicable)
- Photocopies of identification documents representing 100 points of Identification per Individual Applicant
- If a Lo Doc or Full Doc loan, bank statements enabling confirmation of receipt of income and of management of affairs and
evidence of dishonours or missed payments
- Completed First Home Owners Grant Scheme application (if applicable)
- Unless an application for pre- approval, a completed valuation by an Approved Valuer for each Security property, with a
valuation date less than 3 months prior to application submission date
- Up to 3 month’s transaction statements (depending on product) and copy of Medicare Card

Mortgage Manager / Mortgage Introducer Declaration

I declare that I have sighted the Originals of all Documentation supporting the loan as above (e.g Payslips/Group Certificates etc)
and that the photocopies provided are a true representation of the documents sighted
Signed (the Mortgage Manager / Mortgage Introducer to sign)
Mortgage Manager / Mortgage Introducer Signature: (Customer does not sign) Date:

APP 017 - 07/06 Version 1.1