LOAN INTERVIEW DIARY NOTE | My Assignment Tutor

Page 1 of 15LOAN INTERVIEW DIARY NOTEName(s) of customer(s) presentLocation of interview Date of interviewWere all applicants interviewed in person?If not, please indicate who was Y NDo all of the customers appear to clearlyunderstand English? Y NIf No to above, have the services of aninterpreter been recommended? Y NDo all of the customers clearly benefit fromtaking out this loan? Y NIf No to above question, what enquiries have been made to ascertain thelevel of benefit to each party to the loan?Provide details of any other pertinent information obtained during the loaninterview which may be of interest to ANZ or any unusual circumstances youmay wish to record.APPROVED ORIGINATOR DETAILS AND AUTHORISATIONAO SAOApproved Originator Company/ Firm NameTitle and NamePreferred NumberPhone Number Fax Number VIC/TASNSW/ACTQLDSA/NTDate SentWAAuthorised Officer/Contact Name APPLICANT SUMMARYApplicant’s NameNominated ANZ Branch for Loan Account (if unknown, insert suburb)BSB: 01 –Has the customer completed the Customer Identification Procedure at anANZ Branch? (ANZ cannot settle the loan until this requirement is met)Yes NoFinance Clause Expiry DateEstimated Settlement DatePlease submit via Online Document Submission in the Broker Portal.PH: 1800 812 785ANZ MORTGAGE BROKER DISTRIBUTION– LOAN APPLICATION COVER SHEETPlease complete entire application in BLOCK letters.APPLICATION NUMBER (Ofce Use Only)Number of pages includedBusiness Development Manager Lo Doc 60 Lock RateThe ANZ Lock Rate Fee PaymentAuthorisation Form MUST becompleted.First Home Buyer Interest in AdvanceLMI (please indicate if this application or any linked application involve LendersMortgage Insurance)COMMERCIAL (please indicate if this application has a linked Commercialapplication)NEW Resident (please indicate if the customer has recently arrived in Australiaand is not yet a citizen or permanent resident)NON Resident (please indicate if the customer is a foreign national and residesoverseas)STAFF (please indicate if the customer is an ANZ staff member) ANZ MORTGAGE BROKER DISTRIBUTION– LOAN APPLICATION COVER SHEETPage 2 of 15Section 1. RefnancesIs the application a refnance of Other Financial Institution (OFI) Lending? Yes NoIf No, skip below to Section 2. Signifcant changes in future fnancial circumstancesReason for refnancing (please select)Reduce/simplify repayments Convenience and flexibilityDissatisfaction with service at current lender More competitive pricing Specifc features and productsRefnancing costs:Other (please specify) 1. Has the customer obtained a verbal payout quote from the OFI? Yes No2. If No, recommend customer obtain quote as costs to refnance may be considerable and may change signifcantly. Amounts:Current outstanding balance plus accrued interestPlus estimated OFI refinancing cost (costs imposed by other financial institutions):e.g.: early repayment fees, break fees, loan transfer fee Loan Approval Fee and discharge fees etcTotal amount to refinance Section 2. Significant changes in future financial circumstancesAre there any circumstances that the customer is aware of that could affect their ability to repay this loan?For example:– Temporary reduction in income– Permanent/Long term change in income– Anticipated large expenditureNo If No, skip to Section 3. Further investment in shares or managed fundsYes Please specify:If Yes, how does the customer plan to meet repayments during this reduced income period? Please select:Securing additional income Use of SavingsReducing expenditure Sale of AssetsIf the customers have no plan to meet changed circumstances:• Complete Statement of Financial Position (SP) to reflect changes in customer’s circumstances, and• Recommend customer seek fnancial adviceSection 3. Further investment in shares or managed fundsIs loan for investment in shares or managed funds? Yes No If Yes, will the shares or managed funds purchased be used as a security for a margin loan?If Yes:Yes No • Recommend customer seeks independent advice from a Financial Advisor• Ensure margin loan liability and repayments are included in the Statement of Financial Position.Section 4. Interest OnlyReason for customer preferring Interest Only:Investment or future investmentMaximise cash flowTemporary reduction in income, e.g. parental leaveAnticipated large expense itemsOther Please specify:Page 3 of 152.1 ANZ MORTGAGE – LOAN APPLICATIONPERSONAL AND EMPLOYMENT DETAILS (P1 OF 2) PERSONAL DETAILS PRIMARY APPLICANTPERSONAL DETAILS CO-APPLICANTApplicantTitleDirector/ PartnerSurnameGuarantorTrusteeApplicantTitleDirector/ PartnerSurnameGuarantor TrusteeFirst name Middle name First name Middle name(Please note: this name appears on the Letter of Offer) (Please note: this name appears on the Letter of Offer) Date of birthGenderM FDrivers licence numberState Permanent Australian Date of birthGenderPermanent AustralianM FY NDrivers licence numberState Y N Current housing situation Current housing situationBoarding Own home Renting With parents Caravan Boarding Own home Renting With parents CaravanOther: Other:Marital Status Single Married or De facto Marital Status Single Married or De factoName of spouse Name of spouseNo. of dependants Age (in years) of dependants No. of dependants Age (in years) of dependantsHome Phone Number Business Phone Number Home Phone Number Business Phone NumberMobile Phone Number Fax Number Mobile Phone Number Fax NumberADDRESS DETAILS (MINIMUM 2 YEAR HISTORY) ADDRESS DETAILS (MINIMUM 2 YEAR HISTORY)Current Address: Street (No. & Name) Current Address: Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode CountryTime at current address Years Months Time at current address Years Months(If less than 2 years, previous address must also be included) (If less than 2 years, previous address must also be included)Previous Address Details Previous Address DetailsStreet (No. & Name) Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode CountryMAILING ADDRESS DETAILS (IF DIFFERENT) MAILING ADDRESS DETAILS (IF DIFFERENT)Street (No. & Name) Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode CountryPage 4 of 15EMPLOYMENT DETAILS (MINIMUM 2 YEAR HISTORY) EMPLOYMENT DETAILS (MINIMUM 2 YEAR HISTORY)Employment type Employment typeFull Time Part Time Casual Full Time Part Time CasualSelf Employed Not Employed Self Employed Not EmployedOccupation OccupationCurrently under a probationary period Yes No Currently under a probationary period Yes NoLength of probationary period Length of probationary periodCurrent Employer’s Name Current Employer’s NameABN ABNStreet (No. & Name) Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode CountryPhone Number Phone NumberTime at current employer Years Months Time at current employer Years Months(If less than 2 years, previous employer must also be included) (If less than 2 years, previous employer must also be included)Previous Employer Previous EmployerOccupation OccupationTime at current employer Years Months Time at current employer Years Months2.1 ANZ MORTGAGE – LOAN APPLICATIONPERSONAL AND EMPLOYMENT DETAILS (P2 OF 2)Page 5 of 15PLEASE PHOTOCOPY FOR ADDITIONAL SECURITIESSECURITY DETAILS – ONE SECURITY DETAILS – TWOSecurity type Security typeRegistered Mortgage 2nd Mortgage Guarantee Registered Mortgage 2nd Mortgage GuaranteeOther OtherSecurity given by Security given byCurrent Address: Street (No. & Name) Current Address: Street (No. & Name)Suburb State Suburb StatePostcode Country Postcode Country Property PurchaseOff the PlanProperty StatusY NY NOn Market Transaction Y NEstablishedNewTo be BuiltVacant LandProperty TenureProperty UseOwner InvestmentFreehold Leasehold OtherProperty ZoningCommercialIndustrialResidentialRuralRural LifeRural ResidentialOtherProperty Type Property Purchase Y NOn Market TransactionY NOff the PlanProperty StatusY NEstablishedNewTo be BuiltVacant LandProperty TenureProperty UseFreehold Leasehold OtherOwner InvestmentProperty ZoningCommercialIndustrialResidentialRuralOtherRural LifeRural ResidentialProperty Type Standard Residential Standard ResidentialStudio / Warehouse Apartments Studio / Warehouse ApartmentsMulti-dwellings on One Title Multi-dwellings on One Title1 Bedroom small sized (50m2)Rural Residential Housing/Rural Housing (>10 hectares) Rural Residential Housing/Rural Housing (>10 hectares)Vacant Land Vacant LandACT Leasehold ACT LeaseholdProperty Development Property DevelopmentCompany Title Units Company Title Units Title TypeTitle DetailsTorrens Old LawSecurity ValueGuarantee Amount Title TypeTitle DetailsTorrensOld LawSecurity ValueGuarantee Amount $ $ $ $Contract of Sale Held Y N Contract of Sale Date Contract of Sale Held Y N Contract of Sale DateConstruction Loan Y N Construction Loan Y NSOLICITOR DETAILSName AddressCompany Suburb StatePhone Number Fax Number Postcode Country2.2 ANZ MORTGAGE – LOAN APPLICATIONSECURITY DETAILSPage 6 of 15PLEASE PHOTOCOPY FOR SEPARATE PURPOSEPortfolio – Please download and complete 2.3.1 ANZ Mortgage Distribution – Loan Application Portfolio Details and Sub-account selection.LOAN DETAILS – ONE LOAN DETAILS – TWOProduct and Amount Product and Amount $yearsyears $yearsyears Loan term sought (this loan) Loan term sought (this loan) Fixed Rate term (if applicable) Fixed Rate term (if applicable) Lock Rate Y N Progressive Draw Y N Lock Rate Y N Progressive Draw Y NNOTE: Rate is not locked until payment of the Lock Rate Fee is received by ANZ NOTE: Rate is not locked until payment of the Lock Rate Fee is received by ANZ Interest-Only term (if applicable)yearsRepayments frequencyWeekly Fortnightly MonthlyFrequency for RIL Interest-in-Advance onlyMonthlyStatement cycleMonthlyQuarterlyHalf-yearlyAnnuallyQuarterlyHalf-yearly Interest-Only term (if applicable)yearsRepayments frequencyWeeklyFortnightly MonthlyFrequency for RIL Interest-in-Advance onlyMonthlyStatement cycleMonthlyQuarterlyHalf-yearlyAnnuallyQuarterlyHalf-yearly Security to Product (address) Security to Product (address)OFFSET OFFSET• Does the customer wish to link a current ANZ One (Offset) Account? • Does the customer wish to link a current ANZ One (Offset) Account? YN If Yes, insert Account Number (if known) YN If Yes, insert Account Number (if known) FEE DISBURSEMENT FEE DISBURSEMENT Capitalised Lenders Mortgage Insurance(If you choose ‘Y’ the LMI will be automaticallyYN Capitalised Lenders Mortgage Insurance(If you choose ‘Y’ the LMI will be automaticallyY N added to the loan amount requested) added to the loan amount requested)NOTE: All Bank, Security/Government fees and charges and Lenders Mortgage NOTE: All Bank, Security/Government fees and charges and Lenders MortgageInsurance (if applicable) will be deducted from the total loan amount requested Insurance (if applicable) will be deducted from the total loan amount requested andand automatically disbursed at Settlement (unless Lock Rate selected). automatically disbursed at Settlement (unless Lock Rate selected).REFINANCE DETAILS (IF APPLICABLE)Other Financial Institution (OFI) Other Financial Institution (OFI)OFI Account Number OFI Amount OFI Account Number OFI Amount$ $2.3 ANZ MORTGAGE – LOAN APPLICATIONLOAN SELECTIONLOAN DETAILSLoan Purpose Purchase LandPurchase New DwellingHome ImprovementBridgingRefinanceConstructionSupplementaryDebt Purchase (QLD only)Purchase Established Dwelling Other:DescriptionLOAN TYPE Owner OccupiedLoans in a company/Trust namePRODUCTInvestmentLandStandard VariableSimplicity PLUSFixed RateEquity Manager – no chequeEquity Manager NOTE: Please specify product for split loan under Loan Details.Total Amount Sought Approval in Principle Sought$Page 7 of 152.4 ANZ MORTGAGE – LOAN APPLICATIONANZ BREAKFREE PACKAGE (P1 OF 3)TO BE COMPLETED ONLY FOR ANZ BREAKFREE PACKAGEThis form must be completed in full to ensure efcient processing Application NumberExisting ANZ Breakfree Package Customer?If Yes, add to existing packageOROpen a new package (please complete below sections 1A, 1B and 1C)For NEW BREAKFREE CUSTOMERS:NOMINATION OF MANDATORY ACCOUNTSI/We nominate the following Nominated Accounts, as specifed in section 1A, 1B and 1C. (Please note that each applicant under the ANZ BreakfreePackage must be an account holder (either jointly or alone) for at least one of the Nominated Accounts. Refer to the ANZ Breakfree Terms andConditions for full details.)1A. NOMINATED LOAN ACCOUNT(S)List all ANZ Home and Investment Loans held by the applicants (either individually or jointly), to be eligible for Total Lending Discounts on theNominated Loan Accounts being linked to the Package by this request.Account Holder(s) Account Number(s) Current Loan Balance(s)Total ANZ Mortgage Lending1B. NOMINATED TRANSACTION ACCOUNT (PLEASE SELECT ONE)Note: The Annual package fee will be charged to your Nominated transaction account once your loan is drawn. Transaction account must be ANZAccess Advantage account, ANZ One account or ANZ Equity Manager facility.I/We will need to open a new transaction account as part of this Package (please contact an ANZ Branch to organise; transaction account mustbe opened before Settlement date).ORI/We will nominate the following ANZ Transaction Account as part of this Package.Account Number Account Holder(s)Optional ANZ Assured facility (please select one).Usually we suggest ANZ Assured to provide cover for temporary expenses arising on your ANZ Everyday account. Is this what you are planning to use ANZAssured for? Yes No1) I/We do not require an ANZ Assured facility OR already have an ANZ Assured facility.2) I/We require an ANZ Assured facility with a credit limit of (please select one) $500 $1,000 and request that it be linked to the above account3) If applying for the $1,000 limit and you do not meet the credit product requirements for the $1,000 limit you have applied for, do you consentto being considered for, and if approved, issued with a $500 limit? Yes No, only consider me for a $1,000 limit and if declined, do notconsider me for a $500 limit.I/We acknowledge that the ANZ Assured & Personal Overdraft – Terms and Conditions govern any use of an ANZ Assured facility. If ANZ accepts my/ourapplication for ANZ Assured, I/we understand that ANZ will provide me/us with these Terms and Conditions.Page 8 of 152.4 ANZ MORTGAGE – LOAN APPLICATIONANZ BREAKFREE PACKAGE (P2 OF 3)1C. NOMINATED CREDIT CARD ACCOUNT – Note: To avoid delays in the receipt of credit cards, please ensure Option 1, 2 or 3 is completed IN FULLNote: If you do not select a card account type below for Option 1 or Option 3, the ANZ Platinum account will be selected as your Nominated credit card account.If you do not nominate a Primary Cardholder for Option 1 or Option 3, Applicant 1 will be selected as the Primary Cardholder.New Card Account Required Option 1I wish to apply for the credit card account selected below, with the understanding that the minimum credit limit for any ANZplatinum (including ANZ Rewards Travel Adventures) account is $6000 and an ANZ Rewards Black or ANZ Frequent Flyer Black account is $15,000. My nominated amount for this card is $ , but I understand that I may only be approvedfor the minimum credit limit for the credit card product selected, based on my application details. I understand that if my credit cardapplication is approved, ANZ may provide me with a credit card regardless of whether I choose to accept or decline a home loan letterof offer. Any ANZ Breakfree package benefts associated with the credit card will only be available if I hold and continue to maintaineligibility for an ANZ Breakfree package.If you are making a joint application for ANZ Breakfree, you are requesting that your new credit card account be assessed based on thejoint fnancial situation of all applicants. By choosing to apply for this new credit card:• each applicant agrees it is their intention for the credit card debt to be paid out of the joint income of the applicants; and• the person applying for the new credit card account acknowledges that, despite the above arrangement, he/she will remain legallyresponsible for the credit card account as the sole debtor.To assist me to decide which ANZ Credit Card I would like to apply for I have read ANZ’s Information Sheet called “Key Facts About OurCredit Cards”. I am applying for the following credit card: ANZ Rewards Cards+ANZ Frequent Flyer Cards +#Low Rate CardsLow Annual Fee CardsANZ Platinum RewardsANZ Frequent Flyer PlatinumANZ Low Rate PlatinumANZ PlatinumANZ Rewards BlackANZ Frequent Flyer BlackOur other low rate option, ANZ Low Rate,is not available under the ANZ BreakfreePackage.Our other low annual fee option, ANZFirst, is not available under the ANZBreakfree Package.ANZ Rewards Travel AdventuresOur other Frequent Flyer option, ANZFrequent Flyer, is not available under theANZ Breakfree Package.Our other Rewards option, ANZ Rewards,is not available under the ANZ BreakfreePackage. Remember, the annual account fee is waived on one eligible ANZ credit card while it is held under the ANZ Breakfree Package. You should consider this if you are intendingto keep the card as your nominated card under the ANZ Breakfree package.+ An annual Rewards Program Services Fee of $55 (including GST) applies per cardholder for an ANZ Frequent Flyer or ANZ Rewards account. This fee is subject to change.# You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points with your ANZ Frequent Flyer account. A joining fee may apply. Please callQantas on 13 11 31 if you are not a member.If you are applying for a new ANZ Rewards Black or ANZ Frequent Flyer Black account, or are upgrading your existing account to anANZ Rewards Black or ANZ Frequent Flyer Black account, you may wish to be considered for the equivalent ANZ platinum productif you don’t meet the ANZ Rewards Black or ANZ Frequent Flyer Black account’s credit and product requirements. Do you consent tobeing considered for, and if approved, issued the equivalent ANZ platinum account in these circumstances? Yes NoNote: By completing this Breakfree Application form, you acknowledge that your credit card is subject to the ANZ Credit Card Conditions of Use.Applicant’s Name Existing Qantas Frequent Flyer membership number#Existing ANZ Credit Cardholders Option 2I hold a current ANZ Credit Card account and I nominate this account as my/our Nominated Credit Card Account.Primary CardholderVisa/MasterCard Card Number Option 3 I wish to upgrade to the credit card account selected below, with the understanding that the minimum credit limit for any ANZplatinum (including ANZ Rewards Travel Adventures) account is $6000 and an ANZ Rewards Black or ANZ Frequent Flyer Blackaccount is $15,000.I would like to apply for a credit limit increase to $ (only populate feld if a credit limit increase is required)If my limit increase application is not approved (where requested), I nominate my current credit card (at the existing limit) as myeligible credit card.I confrm that my fnancial situation has not changed in the last three months and I can continue to afford the repayments on myexisting ANZ credit card account.If you are making a joint application for ANZ Breakfree, you are requesting that your credit card account upgrade and/or credit limitincrease application be assessed based on the joint fnancial situation of all applicants. By choosing to apply for this credit card accountupgrade and/or credit limit increase application:• each applicant agrees it is their intention for the credit card debt to be paid out of the joint income of the applicants; and• the person applying for the credit card account upgrade and/or credit limit increase acknowledges that, despite the abovearrangement, he/she will remain legally responsible for the credit card account as the sole debtor.I request you close my existing credit card and transfer the balance and any payment agreement/s to the card selected below andnominate this as my eligible credit card under my Breakfree Package.Page 9 of 152.4 ANZ MORTGAGE – LOAN APPLICATIONANZ BREAKFREE PACKAGE (P3 OF 3)I understand that my existing credit card account will be closed 14 days after ANZ receives this application or on activation of mynew card, whichever is sooner and I will not receive a fnal statement on my existing account.I understand that it is my responsibility to re-direct any existing automatic payments to my new card account.To assist me in my decision to upgrade my existing ANZ Credit Card, I have read ANZ’s information sheet called “Key Facts About OurCredit Cards”. I would like to apply to upgrade my existing credit card account (specifed below):Primary Cardholder Card NumberI want to upgrade to: ANZ Rewards Cards+ANZ Frequent Flyer Cards +#Low Rate CardsLow Annual Fee CardsANZ Platinum RewardsANZ Frequent Flyer PlatinumANZ Low Rate PlatinumANZ PlatinumANZ Rewards BlackANZ Frequent Flyer BlackOur other low rate option, ANZ Low Rate,is not available under the ANZ BreakfreePackage.Our other low annual fee option, ANZFirst, is not available under the ANZBreakfree Package.ANZ Rewards Travel AdventuresOur other Frequent Flyer option, ANZFrequent Flyer, is not available under theANZ Breakfree Package.Our other Rewards option, ANZ Rewards,is not available under the ANZ BreakfreePackage. Remember, the annual account fee is waived on one eligible ANZ credit card while it is held under the ANZ Breakfree Package. You should consider this if you are intendingto keep the card as your nominated card under the ANZ Breakfree package.+ An annual Rewards Program Services Fee of $55 (including GST) applies per cardholder for an ANZ Frequent Flyer or ANZ Rewards account. This fee is subject to change.# You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points with your ANZ Frequent Flyer account. A joining fee may apply. Please callQantas on 13 11 31 if you are not a member.If you are applying for a new ANZ Rewards Black or ANZ Frequent Flyer Black account, or are upgrading your existing account to an ANZRewards Black or ANZ Frequent Flyer Black account, you may wish to be considered for the equivalent ANZ platinum product if you don’t meetthe ANZ Rewards Black or ANZ Frequent Flyer Black account’s credit and product requirements. Do you consent to being considered for, and ifapproved, issued the equivalent ANZ platinum account in these circumstances? Yes NoCustomers wishing to transfer from an ANZ Visa PAYCARD, ANZ Rewards Visa PAYCARD, or ANZ Everyday Visa Debit account are unable to useoption 3 of this form as these accounts are not eligible. A new eligible account can be opened if option 1 is completed.Any ANZ CreditCover Insurance Policy applicable to your existing card account will apply to your new credit card account.Note: By completing this Breakfree Application form, you acknowledge that your credit card is subject to the ANZ Credit Card Conditions of Use.Unused PointsAny unused Reward Points must be used within 60 days of the date of closure. Remaining unused Reward Points will be cancelled after that period.Any unused Qantas Points will automatically be credited to your Qantas Frequent Flyer account unless you have not provided ANZ with your QantasFrequent Flyer number. ANZ must receive your Qantas Frequent Flyer membership number within 60 days after the date of closure, or any QantasPoints in the Points Record as at that date will be cancelled and may not be credited to a Qantas Frequent Flyer program account.Additional Cardholders Only complete if you wish to include an additional cardholder for your Nominated Credit Card Account (any existing additionalcardholders will be automatically transferred to your new account).I have read and understood this application including the Declarations and Terms and ConditionsSignature Name DatePlease Note: A Credit Card Key Facts Sheet should have been included with this document. To view, visit www.anz.com or contact us on 13 22 73.Page 10 of 152.5 ANZ MORTGAGE – LOAN APPLICATIONPERSONAL STATEMENT OF FINANCIAL POSITIONNAME(S)ASSETSPresent valueANZ account(s) Total $Other financial institution account(s) Total $Other Cash Assets (Bonds) $Shares $Property Assets (list Address & Value)$ $ $ Total Property Assets$Contribution paid to deposit on property $Total Number of Motor VehiclesTotal Value of Motor VehiclesNo.$Superannuation$ Total Other Assets (eg insured value of contentsand valuables, boat etc) – please specifyTotal$ Total assetsINCOME (AVERAGE MONTHLY)(1) $ Base salaryIncome earner 1Income earner 2Other incomeGross (p.a)Net (p.m.)$ $$ $ Regular overtime $Government benefits/ pension $Part–time/ casual employment $Dividends/ Interest $Commission $Rent received $Other – please specify$$$Total net monthly income (3) $DATELIABILITIESLimit(s) Current outstanding ANZ Home Loan$ANZ Investment Loan$ANZ Overdraft$ANZ Personal Loan$OFI* Home Loan$OFI* Investment Loan$OFI* Overdraft$Credit / Store Cards $Other liabilitiesDue Outstanding taxation $Other – please specify$ $Total liabilities (2) $ Total assetsLess Total liabilitiesNet assets(1)(2)(=1–2) $$$A separate Statement of Financial Position must be completed byeach applicant.Married or Defacto applicants have the option to complete a JointStatement of Financial Position. A separate Statement of FinancialPosition needs to be completed for Guarantors.*OFI = Other Financial InstitutionALL AREAS MUST BE COMPLETED BY CUSTOMER / PLEASE PHOTOCOPY FOR ADDITIONAL APPLICANTSNon-continuing liabilityPage 11 of 152.5 ANZ MORTGAGE – LOAN APPLICATIONPERSONAL STATEMENT OF FINANCIAL POSITIONEXPENDITURE (AVERAGE MONTHLY)Credit commitmentsLoan repayment for this facilityLoan repayment for loan sought $Loan repayment for other ANZ loansCombine all repayments for ANZ $Home/Investment loans, Personal LoansLoan repayment for OFI* loansCombine all repayments for OFI $Home/Investment loans and Personal Loansincluding all other non-ANZ loans Credit/store cards$Total Credit Commitments (A)Living Expenses$ Childcare / Public Education$Childcare including nannies. Public educationfees and associated costs (preschool, primary,secondary) including books and uniformsClothing and Personal Care $Clothing, footwear, cosmetics, personal careGroceries$Typical supermarket shop for groceries includingfood and toiletriesMedical and Health$Medical and health costs including doctor, dental,optical and pharmaceuticalOwner Occupied Property Utilities, $Rates and Related CostsRates, taxes, levies, body corporate and strata fees,repairs and maintenance, home andcontents insurance, other household items and utilitiesRecreation and Entertainment$Recreation and entertainment including alcohol,tobacco, gambling, restaurants, membership fees,pet care and holidaysTelephone, Internet, Pay TV and $Media Streaming SubscriptionsTelephone accounts (home and mobile), internet,pay TV and media streaming subscriptions(such as Netflix and Spotify)Transport $Public transport, motor vehicle running costsincluding fuel, motor vehicle insurance, servicing,parking and tollsTotal Living Expenses (B) $Other CommitmentsChild Maintenance$Child Maintenance/Child Support paymentsInsurance$Includes health, life and income protection(excludes home and contents and car insuranceas they are categorised separately)Private Education$Private education fees and associated costs(preschool, primary, secondary and tertiary)including books and uniforms etc.Other$Unique items not covered in above categories(e.g Cleaner, Gardener, Gifts, Overseas Travel, Donations)Total Other Commitments (C) $Rent/Board (if continuing) (D) $Rent or board expense if continuingat drawdown of loanTotal net monthly expenditure (4) $(=A+B+C+D) Total net monthly incomeless Total net monthly expenditureUncommitted monthly income(3)(4)(=3–4) $$$ALL AREAS MUST BE COMPLETED BY CUSTOMER / PLEASE PHOTOCOPY FOR ADDITIONAL APPLICANTSDECLARATION OF SIGNATUREI/ We declare that the details contained within this Personal Statement of Financial Position are true and correct.Signature of Applicant/Guarantor Dated (DD/MM/YYYY) Signature of Applicant/Guarantor Dated (DD/MM/YYYY)SEPARATE STATEMENT OF FINANCIAL POSITION TO BE COMPLETED BY EACH APPLICANT UNLESS MARRIED OR DE FACTONon-continuing liabilityPage 12 of 15ANZ MORTGAGE BROKER DISTRIBUTION– LOAN APPLICATIONAPPLICANT/GUARANTOR DECLARATIONIn the following Declaration ANZ is Australia and New Zealand Banking Group Limited ABN 11 005 357 522 Australia Credit Licence Number 234527 and each of itsrelated companies (incl subsidiaries). Throughout the Declaration, Qantas is Qantas Airways Limited ABN 16 009 661 901.Collection of your informationANZ is collecting your personal information to enable it to assess this application and for the purposes described in the product terms and conditions. Withoutthis information ANZ may not be able to consider or approve your application.ANZ may also collect your personal information from a credit reporting body for the purposes of assessing your application.Where you are a prospective guarantor, ANZ is collecting your personal information to enable it to assess you as a guarantor for an application for credit. You alsoagree that ANZ may collect information about your credit history from a credit reporting body to assist us in assessing whether to accept you as a guarantor.Disclosure of your informationYou agree that ANZ may disclose your personal information (which may include information about your credit history obtained from a credit reporting body) to:• any person who introduces you to ANZ, including the ANZ ApprovedOriginator submitting this Loan Application to ANZ;• any agent, contractor or service provider ANZ engages to carry out or assistits functions and activities;• an organisation that assists ANZ to identify, prevent or investigate anyfraud, unlawful activity or misconduct (or suspected fraud, unlawfulactivity or misconduct);• your employer;• another credit provider to assess a credit application made by you (to ANZor the other credit provider) or to investigate suspected fraud on youraccount (held with ANZ or the other credit provider);• valuation service providers for the purpose of them obtaining a propertyvaluation as required by ANZ and who may combine your propertyinformation with other information in their databases to improve theirservices;• your referee;• your joint borrower(s) or account holder(s);• any related entity of ANZ;• a guarantor or intending guarantor, to enable that person to considerwhether or not to act your guarantor; and• any person who has offered, or is considering whether to offer, property assecurity for your credit product.ANZ may disclose information to recipients (including service providers and related entities) which are (1) located outside Australia and/or (2) not establishedin or do not carry on business in Australia. You can find details about the location of these recipients in ANZ’s Privacy Policy and at www.anz.com/privacy.Promotion of other products or servicesANZ may use your personal information to help ANZ promote its products or services or those of its related entities or organisations that are in a product ormarketing alliance with ANZ (alliance partners). ANZ may also disclose your personal information to its related entities or alliance partners to enable them orANZ to tell you about a product or service.Where you do not want ANZ to tell you about its products and services or those of its related entities or alliance partners, you may call 13 13 14 at any time towithdraw your consent.Approved OriginatorANZ may also disclose any information about your credit arrangement (including your current loan balance) to the Approved Originator or their nominatedrepresentative, its officers and any successor for the purposes of furthering your application; enabling the Approved Originator to ascertain when it is entitled toa trailer fee (being an ongoing fee for the term of the loan) or calculate its trailer fee; or for any other reasonable purpose including post settlement activities.Qantas (Breakfree Customers only)ANZ may disclose your information to Qantas and Qantas may, in accordance with the Qantas Frequent Flyer terms and conditions, disclose your personalinformation to any service provider Qantas engages to carry out or assist its functions and activities, use your information to plan, research, market andpromote its products and services or those of its related companies and may disclose your personal information to ANZ’s alliance partners to enable them orQantas to market their products or services.Credit ReportingANZ may also disclose your information, including information about your other credit liabilities, repayments and defaults, to credit reporting bodiesInformation about credit reporting, including: the name and contact details of these credit reporting bodies; when ANZ may disclose your information tothem to include in a report about your credit worthiness; and how you can request credit reporting bodies not use your information in certain circumstances,is available at www.anz.com/privacy. For a hard copy of this information, please call 13 13 14 or visit any ANZ branch for a copy of ANZ’s Privacy Policy.Privacy PolicyANZ’s Privacy Policy (www. anz.com/privacy) also contains information about:• any laws that require or authorise ANZ to collect certain information from you;• the circumstances in which ANZ may collect your information from other sources (including from a third party);• how to access your information and seek correction of your information; and• how you can raise concerns that ANZ has breached the Privacy Act or an applicable Code and how ANZ will deal with these mattersFurther informationYour product terms and conditions booklet and our ANZ Privacy Policy contain further information about our handling of the information we collect duringthe course of your relationship with ANZ.If you have provided information about someone else, please show them a copy of this clause so that they may understand how ANZ may use and disclosetheir information.Page 13 of 15Nomination for Correspondence – under the National Credit Code for a Credit ContractImportant information for people completing this declaration: Each debtor is entitled to receive a copy of any notice or other document under the National Credit Code. Bycompleting this declaration, 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 inwriting that they wish to cancel their nomination.I/We nominate (full name of person nominated)Print address of nominated partyDescription of Credit (loan type and amount)to receive notices and other documents under the National Credit Code on behalf of me/all of us.DECLARATION SIGNATUREDeclaration required in respect of all products applied for pursuant to this application. It is to be signed by all applicants and intending guarantors.My/Our signature below evidences my/our understanding and consent to all matters set out in this application and this declaration. By signing below,I/we consent /authorise and acknowledge the following:• ANZ to confirm the details contained in my/our Loan Application with my/our accountant, financial adviser or employer. A copy of this acknowledgementpage may be given to my/our accountant, financial adviser or employer as evidence of my/our consent to them confirming with ANZ any of the details inmy/our Loan Application.• I/We have not relied upon any representation or warranty made by the ANZ Approved Originator named on page 1 before submitting this Loan Application.• That an Approved Originator is not an agent and acts independently of ANZ. If I/we require any information regarding the loan product which is the subjectof this Loan Application or any other loan products of ANZ then I/we can contact ANZ directly.• Confirm that the information contained in, and accompanying, the Loan Application (including all information submitted online and any informationcontained in the Personal Statement of Financial Position) and all the information provided by me/us to the ANZ Approved Originator, is true, correct andcomplete and given in support of this application and that any documents provided containing financial information are true copies of the final signedversions of the original documents.• Where the ‘Nomination for Correspondence’ has been completed, by signing this Declaration I/we agree to the nominated person receiving notices andother documents under the National Credit Code on behalf of me/us.• Supporting loan documentation may be sent/received via Online Document Submission in the Broker Portal, electronic mail or via fax.Please tick this box and sign below if you wish to consent to ANZ communicating with you via email or by sending you a link to access information. This means thatpaper documents may no longer be sent to you. You may withdraw your consent at any time and should regularly check electronic communications for notices.Password for eDocuments Customer Email AddressTo meet ANZ Security Standards passwords must be: 8 Digits, at least 1 capital and lower case alphabetic character, at least 1 number and 1 non-alphabeticcharacter (12Av45j!). Applicant/GuarantorPrint NameCo-applicant/GuarantorPrint Name Signature Date Signature DateCo-applicant/Guarantor Co-applicant/GuarantorPrint Name Print NameSignature Date Signature DateWitness Signature (ANZ Approved Originator) I confrm the information contained within this application is true and correct.Print Name Signature Date3 ANZ MORTGAGE – LOAN APPLICATIONAPPLICANT/GUARANTOR DECLARATION (P2 OF 2)Page 14 of 15Please complete the following section if you are opening i) a Breakfree package with a new Credit Card; and/or ii) an Equity Manager Account.Tax regulations require ANZ and its Controlled Entities (“ANZ”) to collect a Self-Certifcation that includes your tax residence(s). ANZ may be required to provideyour information to relevant tax authorities (including where you do not provide a valid Self- Certifcation).Automatic Exchange of Information may include the Foreign Account Tax Compliance Act (FATCA), and the Common Reporting Standard (CRS).Before you begin:(a) Complete this Self-Certifcation: If you are an Individual Account Holder, Sole Trader or Sole Proprietor. For joint or multiple Account Holders each IndividualAccount Holder must complete a separate Self-Certifcation.(b) Refer to the Australian specifc terms/information at www.anz.com/aeoi(c) Obtain tax/legal/other professional advice (if required) before you complete this Self-Certifcation and sign Section 3Section 1: Account Holder Details1.1 Full NameFirst or Given Name(s) Surname1.2 Residence Address (Do not provide a PO Box or in-care-of Address)Address Line 1 Province/State/CountyAddress Line 2 Postal Code/Zip CodeCity/Town Country1.3 Date of Birth(DD/MM/YYYY)Section 2: Account Holder Tax Residence(s)(Please note, US Citizens are considered to be Tax Residents of the US).2.1 I confrm:a) I am only Tax Resident in Australia ORb) I have included below all countries in which I am Tax Resident (other than Australia).Country of Tax Residence(Do not include Australia)Tax payer identification number (TIN)(or country equivalent)Reason Code(if TIN not provided)Explanation(only if Reason code is “Z”)Reason codes:A – TIN Not Issued (The Country does not issue TINs) B – TIN Not Required (The Country does not require collection of a TIN)C – TIN Applied For (I have applied for a TIN and will inform you upon receipt) Z – TIN Unobtainable (I am unable to obtain a TIN) Please provide explanation.Section 3: Declarations and SignatureI certify that:1. I am the Account Holder and/or authorised to sign/disclose for the AccountHolder.2. I have consulted an independent advisor where necessary and acknowledgethat ANZ has not provided any advice.3. I will notify ANZ of changes to any information (including TIN changes)within 30 days of the change occurring and, where required, will provideANZ with a new Self-Certifcation.4. I have attached all relevant documents (eg. Power of Attorney).5. I have provided true, correct and complete information.6. I will provide ANZ with any additional information and/or documentation asrequested.7. I understand that provision of false, inaccurate or incomplete informationmay constitute an offence(s) and penalties may apply.Signature Name DateOfce Use Only(Please print frst and last name) (DD/MM/YYYY)4 INDIVIDUAL SELF-CERTIFICATIONPage 15 of 155 ANZ MORTGAGE BROKER DISTRIBUTION– LOAN APPLICATIONFOR BROKER USEThe following documents are required for ANZ to assess and provide a decision for the specifc loan application. Please check the appropriate box to confrm therequired documents are enclosed with the application. You must sight all original documents (whether in paper or electronic form) before submitting them toANZ. Original documents in electronic form comprise documents received by the customer in that form.Please ensure all Tax File numbers are effectively removed or blacked out from all documents before submitting to ANZ.Note: Under NCCP, the supporting loan documents are only valid up to a maximum of 120 days. (Dependent on the loan purpose)Please refer to the ANZ Originator Web Site: www.anz-originator.com.au for more information.LOAN APPLICATION• All relevant pages of the ANZ Mortgage Broker Distribution Application KitVALUATION FORMS• Valuation Report, where requiredPAYG INCOME (please supply any one of the following options):• One payslip confirming at least 3 months YTD figures (no more than 60days old; must be consistent with annual income; not handwritten); or• Wages credited to a transaction account for the last 3 months, verifiedby supplying the ANZ account number or copies of OFI (Other FinancialInstitution) bank statements with at least one being a copy of an originalstatement with Internet statements being acceptable for the others.SELF EMPLOYED INCOME/COMPANY INCOME• Evidence is required in the form of copies of personal and all associatedcompany/trust/ partnership tax return for the most recent financialyear, accompanied by ATO assessment notices (most current year’sfigures no more than 18 months old).RENTAL INCOME (ONE OF THE FOLLOWING)• Tax Return (as long as the property is still held)• Lease Agreement• Rental Statements issued by the managing real estate agent(revealing stable payments over past 3 months)• Real Estate Agency Letter (used in conjunction with the RentalConfirmation Tool*)• Valuation from ANZ Authorised Valuer confirming Rental IncomeIDENTIFICATION PROCEDURE• Complete applicable Customer Identification Process at ANZ Branchprior to settlement (if you do not have an existing account).CONFIRMATION OF EQUITY• Copy of bank statements, receipts, accounts etc. confirmingequity of applicant(s)LOANS IN COMPANY NAME• Business Entity Application Form• Guarantor’s ChecklistGUARANTOR• Copy of Guarantor’s ChecklistLOANS WITH LENDERS MORTGAGE INSURANCE (LMI)• Copy of bank statements for past 3 months showing 5% genuine savings^PURCHASE• Full Copy of Contract of Sale*• Copy of Foreign Investment Review Board Certificate* (if applicable)REFINANCE• Copy current 3 months loans statements^• Copy of Foreign Investment Review Board Certificate* (if applicable)CONSTRUCTION• Full Copy of Contract of Sale*• Copy of Foreign Investment Review Board Certificate* (if applicable)• Copy Fixed Price Building Contract* OR Builders Permit• Copy Council approved plans*• Tentative on Completion (TOC) Valuation*• Copy of Builder’s Insurance*OWNER/BUILDER• Full Copy of Contract of Sale*• Copy of Foreign Investment Review Board Certificate* (if applicable))• Copy Council approved plans OR Builders Permit• Break-up of construction costs• Quotations supporting construction costs• Copy of Housing Guarantee and/or domestic insurance policy*• Copy of Insurance Policy document for Residential Property Insurance*OWNER/BUILDER CHECKLIST• Detailed costings held• Completed similar project in last 2 years• Works in the building industry• First time builder with minimum experience• 10% of loan amount held as cash in the bank*Not compulsory with the initial application, but are required by ANZ prior to providing an unconditional decision.^Last statement must be from within 60 days; transaction listings not acceptable. Internet statements are acceptable.Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. Item No. 9600 10.2017 W584562