FNS40815 - Detailed Loan Application for ANZ Mortgage Brokers

This document presents a detailed loan application cover sheet and related forms for ANZ Mortgage Broker Distribution, including personal and employment details for applicants Ross and Melissa Cooper. It covers loan details such as loan type (fixed rate), amount sought ($480,000), and term (30 years), as well as security details and solicitor information. The application also includes sections for refinance details, portfolio facility sub-account selection, and ANZ Breakfree Package nomination. The document is part of the FNS40815 Certificate IV in Finance and Mortgage Broking assessment task. Desklib provides access to similar documents and solved assignments for students.

Page 1 of
Lo Doc 60
First Home Buyer
Professional Mortgage Benefits
>Multi-settlement - there will be more
anZ mortgage Broker Distribution – Loan application Cover Sheet
to: anZ Broker unit
v I c , QLD , tas , nsw , ac t ,
sa , nt Locked Bag 9
collins st west post
office melbourne
vIc 8007
ph: 1800 812 785
FaX: [phone]
wa
Level 9, exchange
plaza sherwood
court
perth, wa 6000
ph: 1300 367 389
FaX: [phone]
891
APPLICATION NUMBER
Office Use Only
Number of pages included
Business Development
Manager
please complete entire application in BLocK letters.
approveD orIgInator DetaILs anD authorIsatIon
AO SAO
Approved Originator Company/ Firm
Name Title and Name
Preferred Number
Phone Number Fax Number
1400 100 156
NSW/ACT
Authorised Officer/Contact Name Date Sent
appLIcant summary
Applicant’s Name Ross Cooper
Nominated ANZ Branch for Loan Account (if unknown,
insert suburb) BSB: 01 -
Has the customer completed the Customer Identification Procedure
at an ANZ Branch? (ANZ cannot settle the loan until this
requirement is met)
Yes
Finance Clause Expiry Date
Estimated Settlement Date
ANZ Bank
14 07 2019
31 12 2018

Page 2 of
Were all applicants interviewed in person? If not, please indicate who was
Y
Do all of the customers appear to clearly understand English?
Y
If No to above, have the services of an interpreter been recommended?
YN
Do all of the customers clearly benefit from taking out this loan?
Y
Loan IntervIew DIary note
Name(s) of customer(s) present Ross and Melissa Cooper
Location of interview 35 St High
If No to above question, what enquiries have been
made to ascertain the level of benefit to each party to
the loan?
Provide details of any other pertinent information obtained
during the loan interview which may be of interest to ANZ or
any unusual circumstances you may wish to record
NA
authorIsatIon
I confirm that the information contained within this
application is true and correct.
ANZ Approved Originator’s Signature
Stuart Thompson Date
21 06 2018

Melissa Cooper
35 ST HIGH MACKVILLE 35 ST HIGH MACKVILLE
SAME SAME
2.1 anZ mortgage – Loan
application
Personal and Employment Details
Page 3 of
personaL DetaILs prImary appLIcant personaL DetaILs co-appLIcant
Applicant Applicant Director/ Partner Guarantor
Trustee Title Surname Cooper Title Surname Cooper
First name Ross Middle name First name Melissa Middle name
(Please note: this name appears on the Letter of Offer) (Please note: this name appears on the Letter of Offer)
Date of birth Gender Permanent Australian Date of birth Gender Permanent
Australian M Y F Y
Drivers licence number 1469JI34 State NSW Drivers licence number 69895FP22
State NSW
Current housing situation
Renting
Current housing situation
Renting
Marital Status Married or Defacto Marital Status Married or Defacto
Name of spouse Name of spouse
No. of dependants NA Age (in years) of dependant children No. of dependants Age (in years) of dependant children
NA
Home Phone Number Business Phone Number Home Phone Number Business Phone Number
Mobile Phone Number Fax Number Mobile Phone Number Fax Number
aDDress DetaILs (mInImum 2 year hIstory) aDDress DetaILs (mInImum 2 year hIstory)
Current Address: Street (No. & Name) Current Address: Street (No. & Name)
Suburb State NSW Suburb State NSW
Postcode 2080 Country AUSTRALIA Postcode 2080 Country
AUSTRALIA
Time 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 Details
Street (No. & Name) Street (No. & Name)
Suburb State Suburb
State Postcode Country Postcode
Country
20 02 1984 17 06 1986
MACKVILLE MACKVILLE

SAME SAME
2.1 anZ mortgage – Loan
application
Personal and Employment Details
Page 4 of
maILIng aDDress DetaILs (IF DIFFerent) maILIng aDDress DetaILs (IF DIFFerent)
Street (No. & Name) Street (No. & Name)
Suburb State Suburb State
Postcode Country Postcode Country

NA NA
2.1 anZ mortgage – Loan
application
Personal and Employment Details
Page 5 of
empLoyment DetaILs (mInImum 2 year hIstory) empLoyment DetaILs (mInImum 2 year hIstory)
Employment type Employment type
Full Time Full Time
Occupation
Currently under a probationary period NO Currently under a probationary period
Yes No Length of probationary period
Length of probationary period
Current Employer’s Name Current Employer’s Name
ABN ABN
Street (No. & Name) Street (No. & Name)
Suburb State Suburb State
Postcode Country Postcode Country
Phone Number Fax Number Phone Number Fax Number
Time 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 Employer
Occupation Occupation
Time at current employer Years Months Time at current employer Years Months

Registered Mortgage 2nd Mortgage
Guarantee Other
Registered Mortgage 2nd Mortgage
Guarantee Other
$ $
GEORGE MASON 47 DARLING HARBOUR
2.2 anZ mortgage – Loan application
Security Details
Page 6 of
pLease photocopy For aDDItIonaL securItIes
securIty DetaILs – one securIty DetaILs – two
Security type Security type
Security given by Security given by
NA
Current Address: Street (No. & Name) Current Address: Street (No. & Name)
Suburb State Suburb
State Postcode Country Postcode
Country
Property Purchase Y N On Market Transaction Y N Property Purchase Y N On Market Transaction Y
N Off the Plan Y N Off the Plan Y
N
Property Status Property Status
New New
Property Tenure Property Use Property Tenure Property Use
Owner Owner
Property Zoning Property Zoning
Residential Residential Other
Property Type Property Type
Standard Residential Standard Residential
Company Title Units
Title Type Title Details Title Type Title Details
Torrens Old Law Torrens Old Law
Security Value Guarantee Amount Security Value Guarantee Amount
Contract of Sale Held Y N Contract of Sale Date Contract of Sale Held Y N Contract of Sale
Date Construction Loan Y N Construction Loan Y N
soLIcItor DetaILs
Name Address
Company Suburb State NSW
UVA LEGAL CONSULTANCY
Phone Number 1584 221 359 Fax Number Postcode 2080 Country
AUSTRALIA
$480000 $

ANZ BANK
anZ mortgage – Loan application
Loan Selection
Page 7 of
pLease photocopy For separate purpose
Portfolio – Please download and complete 2.3.1 ANZ Mortgage Distribution – Loan Application Portfolio Details and Sub-account selection.
Loan DetaILs
Loan Purpose
Purchase New Dwelling
Other:
Description
Loan type
Owner Occupied
proDuct
Fixed Rate
NOTE: Please specify product for split loan under Loan Details.
Total Amount Sought Approval in Principle Sought
$
Loan DetaILs - one Loan DetaILs - two
Product and Amount ANZ FIXED LOAN Product and Amount
Loan term sought (this
loan) Fixed Rate term (if
applicable)
Loan term sought (this
loan) Fixed Rate term (if
applicable)
Lock Rate Y Progressive Draw Y Lock Rate Y N Progressive Draw Y N
NOTE: 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) Interest-Only term (if applicable)
Repayments frequency Weekly Fortnightly Monthly Repayments frequency Weekly Fortnightly
Monthly Frequency for RIL Interest-in-Advance only
Frequency for RIL Interest-in-Advance only
Monthly Monthly
Statement cycle
Monthly Quarterly Half-yearly Monthly Quarterly Half-
yearly Security to Product (address) Security to Product (address)
Fee DIsBursement Fee DIsBursement
Capitalised Lenders Mortgage Insurance Y Capitalised Lenders Mortgage Insurance Y
(If you choose ‘Y’ the LMI will be automatically (If you choose ‘Y’ the LMI will be automatically
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
Mortgage Insurance (if applicable) will be deducted from the total loan amount requested Insurance (if applicable) will be deducted from the total loan
amount requested and and 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 621547P789 OFI Amount OFI Account Number OFI Amount
portFoLIo DetaILs
Primary Purpose: Purchase New Dwelling Re-finance Supplementary
Other Detailed Description
Portfolio Credit Limit Sought
Approval in Principle Sought
Portfolio Descriptor Portfolio Statement Cycle Portfolio Term (if required)
Monthly Quarterly
Lenders Mortgage Insurance – Where LMI is applicable, it will be charged to the Primary Sub-account when the Portfolio Facility is activated.
years
$ 480000
years
years
$
years
years
30years years

24 ST HIGH
2.3.1 anZ mortgage – Loan
application
Portfolio Facility – Sub-account selection
Page 8 of
eQuIty manager account prImary suB-account DetaILs – one
Credit Limit ($0 limit is acceptable) Term of Sub-account (if applicable – this can not exceed the Portfolio
Term)
Primary Purpose: Purchase New Dwelling Re-finance Supplementary
Other Detailed Description
suB-account DetaILs - two suB-account DetaILs - three
Home Loan Home Loan Residential Investment Loan
proDuct proDuct
Home
Loan Home Loan
Primary
Purpose:
Primary Purpose:
Purchase New
Dwelling Purchase New Dwelling
Re-finance Supplementary Other Re-finance Supplementary
Other
Detailed Description Detailed Description
Amount Amount
$ 480000 $
Term of Sub-account Term of Sub-account
30 years years
(if applicable – this can not exceed the Portfolio Term) (if applicable – this can not exceed the Portfolio Term)
Term of Sub-account I/O Term Term of Sub-account I/O Term
years years years
years
Int-in-Adv (annually) Lock Rate Y N Int-in-Adv (annually) Lock
Rate Y N Prog Draw Y N Prog Draw Y
N
NOTE: 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
Repayment Frequency: Repayment Frequency:
Monthly Monthly Sub-account holders:
Sub-account holders:
reFInance DetaILs (IF appLIcaBLe) reFInance DetaILs (IF appLIcaBLe)
Name of Other Financial Name of Other Financial
Institution (OFI): Institution (OFI):
OFI Account Number: OFI Account Number:
OFI Amount: OFI Amount:
$ $
years

2.3.1 anZ mortgage – Loan
application
Portfolio Facility – Sub-account selection
Page 9 of
suB-account DetaILs - Four suB-account DetaILs - FIve
Home Loan Residential Investment Loan Home Loan Residential Investment Loan
proDuct proDuct
Standard Variable Fixed Equity Manager Standard Variable Fixed Equity
Manager Primary Purpose: Primary Purpose:
Purchase Est. Dwelling Purchase New Dwelling Purchase Est. Dwelling Purchase New Dwelling
Re-finance Supplementary Other Re-finance Supplementary
Other Detailed Description Detailed Description
Amount Amount
$ $
Term of Sub-account Term of Sub-account
years years
(if applicable – this can not exceed the Portfolio Term) (if applicable – this can not exceed the Portfolio Term)
Term of Sub-account I/O Term Term of Sub-account I/O Term
years years years
years
Int-in-Adv (annually) Lock Rate Y N Int-in-Adv (annually) Lock
Rate Y N Prog Draw Y N Prog Draw Y
N
NOTE: 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
Repayment Frequency: Repayment Frequency:
Monthly Quarterly Half-yearly Monthly Quarterly Half-
yearly Sub-account holders: Sub-account holders:
reFInance DetaILs (IF appLIcaBLe) reFInance DetaILs (IF appLIcaBLe)
Name of Other Financial Name of Other Financial
Institution (OFI): Institution (OFI):
OFI Account Number: OFI Account Number:
OFI Amount: OFI Amount:
$ $

2.4 anZ mortgage – Loan application ANZ Breakfree
Package (p1 of 3)
Page 10
to Be compLeteD onLy For anZ BreaKFree pacKage
thIs Form must Be compLeteD In FuLL to ensure eFFIcIent processIng
Application Number (Staff use only) Existing ANZ Breakfree Package Customer Y N
Total Lending (new and existing): ≥ $250,000 OR ≥ $700,000
Mobile Lender/ Approved Originator Details
AO-SAO/TPMI Phone Number Fax Number
1) appLIcant DetaILs (pLease photocopy For aDDItIonaL appLIcants)
Applicant 1
Full Name
ROSS
COOPER
Address / Street Name 35 ST HIGH State NSW Postcode 2080 Country AUSTRALIA
Applicant 2
Full Name
MELISSA
COOPER
Address / Street Name 35 ST HIGH State NSW Postcode 2080 Country AUSTRALIA
Applicant 3
Full Name
Address / Street Name State Postcode Country
Applicant 4
Full Name
Address / Street Name State Postcode Country
Applicant 5
Full Name
Address / Street Name State Postcode Country
2) nomInatIon oF manDatory accounts
I/We nominate the following Mandatory Accounts, as specified in section 2A, 2B and 2C. (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.)
2a) manDatory mortgage LenDIng account(s)
List all existing ANZ Mortgage Loans under ANZ Breakfree to be eligible for Total Lending Discounts
Account Holder(s) Account Number Current Loan Balance
Total ANZ Mortgage Lending

2.4 anZ mortgage – Loan application ANZ Breakfree
Package (p1 of 3)
Page 11
2B) manDatory transactIon account (pLease seLect one)
Note: The Annual package fee will be charged to your mandatory transaction account once your loan is drawn. Transaction
account must be ANZ Access Advantage account, ANZ One account or ANZ Equity Manager facility.
 I/We will need to open a new transaction account as part of this I/We nominate the
following ANZ Transaction Package (please contact an ANZ Branch to organise; transaction OR
Account as part of this Package:

2.4 anZ mortgage – Loan application ANZ Breakfree
Package (p2 of 3)
Page 12
Account Number Account Holder(s)
Optional ANZ Assured facility (please select one)
1) I/We do not require an ANZ Assured facility
2) I/We require an ANZ Assured facility with a credit limit of $1,000 and request that it be linked to the above account
3) I/We already have $1,000 ANZ Assured facility OR I/we require a limit increase on my/our ANZ Assured facility to $1,000
I/We acknowledge that the ANZ Terms and Conditions govern any use of an ANZ Assured facility. If ANZ accepts
my/our application for ANZ Assured, I/we understand that ANZ will provide me/us with these Terms and Conditions.
2c) manDatory creDIt carD account
NOTE: TO AVOID DELAYS IN THE RECEIPT OF CREDIT CARDS, PLEASE ENSURE OPTION 1, 2 OR 3 IS COMPLETED IN FULL
Note: If you do not select a card account type below for Option 1 or Option 3, the ANZ Gold account will be selected as your mandatory credit card account.
New Card Account Required
Option 1 I apply for a new ANZ credit card account. I have read and accept the terms set out on this application form.
Also note that you are unable to apply for a new ANZ Frequent Flyer Platinum account using this form.
ANZ Gold^ ANZ Rewards Gold ANZ Frequent Flyer Gold
Note: fees apply^+ Note: fees apply^+
If you do not nominate an Applicant’s Name, Applicant 1 in section 1 of this form will be selected as the account holder for your mandatory credit card.
Applicant’s Name Existing Qantas Frequent Flyer membership number#
Existing ANZ Credit Cardholders
Option 2 I/We hold a current ANZ Gold, ANZ Rewards Gold, ANZ Frequent Flyer Gold or ANZ Frequent Flyer
Platinum account and I/we nominate this account as my/our Mandatory Credit Card Account.
Applicant’s Name Existing Qantas Frequent Flyer membership number#
ANZ Gold^ ANZ Rewards Gold ANZ Frequent Flyer Gold ANZ Frequent Flyer
Platinum
Note: fees apply^+ Note: fees apply^+ Note: fees apply^+
Existing ANZ Credit Cardholders
Option 3 My/Our current ANZ Credit Card is not an ANZ Gold, ANZ Rewards Gold, ANZ Frequent Flyer
Gold, or ANZ Frequent Flyer Platinum.
I/We request you to transfer my existing ANZ credit card account to the ANZ credit card account
selected below and I/we nominate this as my/our Mandatory credit card account. If my/our existing
ANZ credit card account has a credit limit of less than $5,000, I/we request the limit on my new ANZ
credit card account to be increased to $5,000. I/We have read and
accept the terms set out on this application.
Account Holder Visa card Number
ANZ Gold^ ANZ Rewards Gold ANZ Frequent Flyer Gold ANZ Frequent Flyer Platinum
Note: fees apply^+ Note: fees apply^+ Note: fees apply^+
*Only if the credit limit on your existing card is greater than or equal to $12,000. If not, you cannot apply for transfer to ANZ
Frequent Flyer Platinum. additional cardholders (Only complete if you wish to include an additional
cardholder for your Mandatory Credit Card Account) I have read and understood this application including
the Declarations and Terms and Conditions.
Full Name Signature Date of Birth
3) Important InFormatIon concernIng creDIt
carD accounts
#You must be a member of the Qantas Frequent Flyer program to earn
Points with your ANZ Frequent Flyer Gold or ANZ Frequent Flyer
Platinum account. A joining fee applies. Please call Qantas on 13 11 31 if
you are not a member. ^An annual Rewards Program Services Fee of
$55 (including GST) applies per cardholder for ANZ Frequent Flyer Gold,
ANZ Frequent Flyer Platinum and ANZ Rewards Gold. An annual Rewards
Program Services Fee of $22 (including GST) applies per cardholder for
the optional ANZ Gold Sphere Rewards Program. *Additional
cardholder(s) on your existing ANZ credit card account will be
transferred to your new credit card account. If you wish
to add or change additional cardholder(s) the cardholder(s) may need to
complete the Customer Identification Process. Customers wishing to
transfer from an ANZ Visa PAYCARD, ANZ Rewards Visa PAYCARD or ANZ
Everyday Visa Debit account cannot use this form to transfer from their
account and must complete a new application form for the account they wish to
transfer to.
Redeeming unused points on the card account you wish to close (where
applicable):