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):

2.4 anZ mortgage – Loan application ANZ Breakfree
Package (p2 of 3)
Page 13
ANZ Rewards, ANZ Rewards Gold, ANZ First and ANZ Gold
accounts that have opted-in to earn Sphere points – any
Reward Points that remain unused must be used within
60 days of the date of closure. Reward Points that remain
unused in the closed account after that period will be
cancelled. ANZ Frequent Flyer, ANZ Frequent Flyer Gold and
ANZ Frequent Flyer Platinum – All unused points are
automatically credited to your Qantas Frequent Flyer account
provided you have provided ANZ your Qantas Frequent Flyer
number.
The Qantas Frequent Flyer membership must be in the same
name of the account holder on the credit card account. If you
have not provided ANZ with your Qantas Frequent Flyer
number please do so before closing the account. If ANZ does
not receive the account holder’s Qantas Frequent Flyer
membership number within 60 days after the date of closure,
the Points in the Points Record in respect of the card as at that
date will be cancelled and may not be credited to a Qantas
Frequent Flyer program account. If you are a resident of the
Australian Capital Territory and your loan application was

ROSS COOPER 20 02 1984 MELISSA COOPER 17 06 1986
2.4 anZ mortgage – Loan application ANZ Breakfree
Package (p3 of 3)
Page 14
assessed by ANZ more than 6 months before the date of this
application, or if your financial circumstances have changed in the 6
months after your loan application was assessed by ANZ, you are
required to provide ANZ with details of your financial situation before
this application can be accepted.
Please note (if Option 1 or Option 3 is selected in section 2C): If this
application is approved, a new card account will be opened. Your existing
credit card account will be closed 14 days after ANZ’s receipt of this
application, or on activation of your new card, whichever is the sooner.
You will not receive a final statement on your existing account. Your new
card will have a new card number and it is your responsibility to re-direct
any automatic payments from your existing card account to your new
card account. Please call 13 22 73 for more information.
In the following declaration ANZ is Australia and New Zealand Banking
Group Limited ABN 11 005 357 522 and each of its related companies
(including subsidiaries) and Qantas is Qantas Airways Limited ABN 16 009
661 901. Rewards Terms and Conditions are ANZ Frequent Flyer Reward
Terms and Conditions, ANZ Rewards – Rewards Program Terms and
Conditions, and the Sphere Rewards Terms and Conditions. (For a copy, visit
anz.com or call 13 22 73). Points are, where applicable, Qantas Frequent
Flyer points, ANZ Rewards Reward Points or Sphere points. +This account
is issued with both an ANZ American Express® card and an ANZ Visa
card. American Express is a registered trademark of American Express.
ANZ American Express cards are issued by Australia and New Zealand
Banking Group Limited (ANZ 11 005 357 522) pursuant to a license from
American Express.
anZ’s collection, use and disclosure of personal information
ANZ is collecting your personal information to enable it to process your
application and, if it is approved, to provide you with the product you are
applying for. Without this information we may not be able to process
your application or if you are approved, provide you with the product.
ANZ may disclose your personal information to:
• any service provider ANZ engages to carry out or assist its functions
and activities;
• any third party providing you with a product or service in relation to
the ANZ product;
• credit reporting agencies;
• your referee;
• your employer; and
• any credit provider to assess a credit application, to assess your credit
worthiness, to help you avoid default on your obligations or to inform
them of your default.
By signing this application form, you consent to ANZ disclosing your
information to these persons.
You also consent to ANZ disclosing your information to Qantas and
Qantas disclosing your information to any service provider Qantas
engages to carry out or assist its functions and activities.
You may request access to your information by calling 13 22 73. Access
will be granted in accordance with the Privacy Act 1988 for a reasonable
fee. If any of your information is inaccurate, you may also request that it
be corrected.
promotion of other products or services
You agree to ANZ using your personal information to promote its products
or those of its related companies and alliance partners and disclosing your
personal information to its related companies or alliance partners to
enable them or ANZ to market their products or services.
If you have applied to open a new or transfer to an ANZ Frequent Flyer
Gold or ANZ Frequent Flyer Platinum account and this is approved, you
also agree to Qantas using your information to plan, research, market
and promote its products or services or those of its related companies
and disclosing your personal information to its related companies and
ANZ’s alliance partners to enable them or Qantas to market their
products or services. Where you do not want ANZ to tell you about its
products or services or those of its related companies or alliance
partners, you may withdraw your consent by calling 13 22 73 at any
time.
personal Information
Your agreement to the use and disclosure of your personal information
applies to any personal information collected by ANZ in the course of
your relationship with ANZ.
additional cardholder
You acknowledge that as the Primary Cardholder, you are responsible for
all transactions made on this account by any Additional Cardholder(s).
You also acknowledge that if your request for an Additional Cardholder(s)
is approved, the Additional Cardholder will receive his/her own Personal
Identification Number (PIN), access the credit card account electronically
and also obtain information about the status of your account
and transactions made on your account.
cancelling an additional card
As the Primary Cardholder, you can request to cancel an Additional
Card by calling 13 22 73 or visiting any ANZ branch. ANZ will only
cancel the Additional Card when you have returned it to ANZ, or
have taken all reasonable steps to return it to ANZ.
conditions of use
You acknowledge that your new credit card account is subject to the ANZ
Credit Cards Conditions of Use.
Federal Legislation requirements
Federal Government Legislation requires ANZ to verify the identity
of all account holders, signatories and agents. Any account holder,
signatories and agents must satisfactorily meet ANZ’s Customer
Identification Process.
credit card Insurance
I understand that any ANZ CreditCover Insurance policy applicable to my
existing card account will apply to my new card account.
transfer authority
Where I have requested a product transfer, I authorise ANZ to close my
existing Card Account and to transfer any outstanding balance as at the
date of transfer to my new Card Account and to transfer any other
transactions effected by me or any Additional Cardholder in respect of my
existing account but which are not included in the balance transferred.
I acknowledge that the accrual of Points on my new Card is subject to the
Rewards Terms and Conditions applicable to that card. I understand that the
outstanding balance as at the date of transfer and any other transactions
effected by me or any Additional Cardholder, transferred pursuant to this
Transfer Authority will not earn Points.
Declaration & signature
By signing this form I agree that the written details in this
application form are true and correct.
4) DecLaratIon
By signing this form I/we:
•acknowledge that the written details in this application are true and correct and are given in support of this application; and
•acknowledge that I/we have received a copy of the ANZ Breakfree Terms and Conditions, and agree to accept and be
bound by those terms and conditions; and
•agree to any variation to existing accounts as set out above and in the ANZ Breakfree Terms and Conditions.
My/our signature(s) evidence(s) my/our stated understanding of, and consent to all matters set out in this Application Form:
Signature of Applicant 1 Dated (DD/MM/YYYY) Signature of Applicant 2 Dated (DD/MM/YYYY)
Signature of Applicant 3 Dated (DD/MM/YYYY) Signature of Applicant 4 Dated (DD/MM/YYYY)
Signature of Applicant 5 Dated (DD/MM/YYYY)

Page 15
$
$
Gross (p.a)
$
$
$
$
$
Net (p.m.)
$
$
$
$
$
2.5 anZ mortgage – Loan application
Personal Statement of Financial Position
aLL areas must Be compLeteD By customer / pLease photocopy For aDDItIonaL appLIcants
name(
s) Date
assets
ANZ account(s) Total
Other financial institution account(s)
Total
Other Cash Assets
(Share/Bonds) Property Assets
(list Address & Value)
total property assets
Contribution paid to deposit on
property Total Number of Motor
Vehicles
Total Value of Motor Vehicles
Total Other Assets (eg insured value of
contents and valuables, boat etc) –
please specify
Total assets
(1)
Income (average monthLy)
Base salary
Income earner
1
Income earner
2 Other
income
Regular
overtime
Government benefits/
pension P a r t–t ime / casu al
emp lo yme n t Dividends/
Interest
Tota
l
Present
value
LIaBILItIes
Limit(s) Current outstanding
ANZ Home Loan
ANZ Investment
Loan ANZ
Overdraft
OFI Home Loan
OFI Investment
Loan OFI Overdraft
Credit / Store Cards
other liabilities Due
Outstanding
taxation Other –
please specify
Total liabilities (2)
Total assets (1)
Less Total liabilities (2)
Net assets (=1–2)
eXpenDIture (average monthLy)
Credit commitments
Loan Repayments for this facility
Loan Repayment for other ANZ
loans/ HPs Loan repayment for OFI
loans/HPs Credit/store cards
other commitments
Total Living Expenses
(includes: Motor Vehicle, Rates, Electricity, Gas,
Telephone, Food, Clothing, Personal, Home Insurance,
and Education Expenses)
Rent/Board
Insurance – Contents/Medical etc
Rent received Net
Life/Income replacement insurance
Monthly
gross *75
% Child Maintenance
*do not show rental property expenses as separate
expense items
Total net monthly income (3)
DecLaratIon oF sIgnature
I/ We declare that the details contained within this Personal
Statement of Financial Position are true and correct.
$$
$
$
Non-continuing
liability
Non-continuing
liability
$
$
$
$
$
$
$
$
$
$
$
$
No.
$ $
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$

Page 16
Other – please specify Other – please
specify Total net monthly expenditure (4)
Total net monthly income (3)
less Total monthly expenditure (4)
Uncommitted monthly income (=3–4)
Print name Print name
Signature of Applicant Dated (DD/MM/YYYY) Signature of Applicant Dated (DD/MM/YYYY)
separate statement oF FInancIaL posItIon to Be compLeteD By each appLIcant unLess marrIeD or DeFacto
$
$
$
$
$
$
$

anZ mortgage – Loan
application
Applicant/Guarantor Declaration (p1
Page 17
In the following declaration ANZ is Australia and New Zealand Banking Group Limited ABN 11 00 357 522 and each of its related companies
(including subsidiaries).
an Z ’ s co LLe c t I o n , u s e an D D I s cLos u r e o F p e r s o n aL I n Fo r m at I o n
ANZ is collecting your personal information to enable it to process this application and, if it is approved, to provide you with the
product or service you are applying for. Where you are a guarantor, ANZ is collecting your personal information to enable it to
assess you as a guarantor for an application for credit. Without this information ANZ may not be able to consider or approve this
application. Throughout the Declaration, Qantas is Qantas Airways Limited ABN 16 009 661 901. ANZ may disclose your personal
information (including information about your credit worthiness, history, standing or capacity) to:
• any person who introduces you to ANZ, including the ANZ
Mobile Lender/ ANZ Approved Originator submitting this Loan
Application to ANZ
• any contractor or service provider ANZ engages to carry
out or assist its functions and activities;
• credit reporting agencies;
• ANZ’s alliance partners;
• mortgage insurer or re-insurer;
• your employer;
• any credit provider to assess a credit application, to assess
your credit worthiness, to help you avoid default on your
obligations or to inform them of your default;
• any credit provider for any purpose you have agreed to;
• your referee;
• an intending guarantor, to enable that person to consider
whether or not to act as guarantor, or offer property as
security for a credit product that you or a joint borrower
have applied for with ANZ;
• a person who is a guarantor, or has provided property as
security, for a loan;
• other persons ANZ is authorised or required by law to disclose
information to (and other persons where you have consented
to the disclosure); and
• any third party providing you with a product or service in
relation to the ANZ product.
(Breakfree Customers only) You also consent to ANZ disclosing your information to Qantas and Qantas disclosing your
information to any service provider Qantas engages to carry out or assist its functions and activities.
By signing this application form, you consent to ANZ disclosing your information to these persons. ANZ may also disclose any
information about your credit arrangement (including your current loan balance) to the ANZ Mobile Lender/Approved Originator named in
section 2.4 or their nominated representative, its officers and any successor for the purposes of furthering your application with ANZ;
enabling the ANZ Mobile Lender/Approved Originator to ascertain when it is entitled to a trailer fee (being an ongoing fee for the
term of the loan) or calculate its trailer fee; or for any other reasonable purpose.
You may request access to your information at any ANZ branch or by calling 13 13 14. Access will be granted in accordance with
the Privacy Act 1988 for a reasonable fee. If any of your information is inaccurate, you may request it be corrected.
personaL InFormatIon
Your agreement to the use and disclosure of your personal information applies to any personal information collected by ANZ in
the course of your relationship with ANZ.
promotIon oF other proDucts or servIces
If this application is approved, you agree to ANZ using your personal information to plan, research, market and promote its
products or services or those of its related companies and alliance partners and disclosing your personal information to its related
companies or alliance partners to enable them or ANZ to market their products or services. Where you do not want ANZ to tell you
about its products or services or those of its related companies or alliance partners, you may withdraw your consent by calling 13
13 14.
(Breakfree Customers only) If you have applied to open a new or transfer to an ANZ Frequent Flyer Gold account and this is
approved, you also agree to Qantas using your information to plan, research, market and promote its products or services or
those of its related companies and disclosing your personal information to its related companies and ANZ’s alliance partners to
enable them or Qantas to market their products or services.
DecLaratIon anD prIvacy consents oF Insurer/re-Insurer oF anZ
Because ANZ will or may be seeking lenders mortgage insurance from the insurer/re-insurer listed below, you agree to the insurer/re-
insurer doing the following things:
• the insurer/re-insurer may obtain a credit report containing your personal information and use it in assessing ANZ’s application for
insurance;
• the insurer/re-insurer may obtain information about your commercial activities and commercial credit worthiness from any business
which provides that type of information, and use that information to assess ANZ’s application for insurance;
• the insurer/re-insurer may give your personal information (including information about your credit worthiness, history,
standing or capacity) to any credit reporting agency, any contractor or service provider the insurer/re-insurer engages to provide
services connected with your relationship with the insurer/re-insurer, and any credit provider.
You authorise these people to have access to your personal information from the insurer/re-insurer. The insurer/re-insurer may also
receive your personal information from these people. In each case however, your personal information is only to be given or
received in connection with ANZ’s application for insurance or the insurance/reinsurance provided.
The insurer is as follows: The re-insurer is as follows:

anZ mortgage – Loan
application
Applicant/Guarantor Declaration (p1
Page 18
ANZ Lenders Mortgage Insurance Pty Ltd QBE Lenders Mortgage Insurance Limited
ABN 77 008 680 055 ABN 70 000 511 071
Level 6, 833 Collins Street, Level 21, AMP Centre, 50 Bridge Street,
Melbourne Vic 3008 Sydney NSW 2000
Enquiries call 13 25 99 Enquiries call 1300 367 764

3 anZ mortgage – Loan
application
Applicant/Guarantor Declaration (p2
Page 19
pLease photocopy For aDDItIonaL
appLIcants use oF commercIaL
creDIt InFormatIon
ANZ may obtain information about your commercial activities and commercial credit worthiness from any business which provides that type
of information. ANZ may use that information to assess your credit application or, where applicable, to assess whether to accept you as
a guarantor of credit applied for by the applicant.
Ban K e r ’ s o p I n I o n
ANZ may obtain from other banks, and disclose to other banks, a banker’s opinion about your consumer credit worthiness for use in the
assessment of this credit application.
IDentIFIcatIon proceDures
If you do not have an existing ANZ account you must complete the applicable Customer Identification Process (required by the
Anti-Money Laundering and Counter-Terrorism Financing Act 2006).
Declaration of purpose – under the National Credit Code for a Credit Contract
I/We declare that the credit to be provided to me/us by ANZ is to be applied wholly or predominantly for: business purposes; or
investment purposes other than investment in residential property (or for both purposes).
Important
You should only sign this declaration if this loan is wholly or predominantly for: business purposes; or investment purposes other
than investment in residential property. By signing this declaration you may lose protection under the National Credit
Code.
This declaration applies to the following credit: Purpose: HOME LOAN Amount:480000
Purpose: Amount:
Signature Date Signature Date
21 06 2018 21 06 2018
ROSS COOPER MELISSA COOPER
nomination for correspondence – under the National Credit Code for a Credit Contract
Important 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. By completing 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 in writing that they wish to cancel their nomination.
I/We nominate (full name of person
nominated) JOHN JACKSON HPrint
address of nominated party 48 STREET
VIEW
Description of Credit (loan type and amount) HOME FIXED LOAN AND 480000
to receive notices and other documents under the National Credit Code on behalf of me/all of us.
authority to discuss information with accountant or employer
I/We authorise ANZ to confirm the details contained in my/our Loan Application with my/our accountant, financial adviser or employer. A copy of this
acknowledgement page 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 in my/our Loan Application. representations and warranties
I/We have not relied upon any representation or warranty made by the ANZ Mobile Lender/Approved Originator named in section 1.0 before submitting this Loan
Application.
Limited authority of anZ mobile Lender/approved originator
I/We acknowledge that ANZ Mobile Lender is a limited agent of ANZ and Approved Originator is not an agent and acts independently of ANZ. If I/we
require any information regarding the loan product which is the subject of this Loan Application or any other loan products of ANZ then I/we can
contact ANZ directly.
DecLaratIon sIgnature
Declaration 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 confirm
that the information contained in, and accompanying, the Loan Application (including any information contained in the Personal Statement of Financial
Position) is true, correct and complete and given in support of this application.
I/We also declare that any documents provided containing financial information are true copies of the final signed versions 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 and other
documents under the National Credit Code on behalf of me/us.
I/We authorise the ANZ Mobile Lender/ Approved Originator named in section 1.0 to forward this information (together with any other
information provided by me/us to the ANZ Mobile Lender/ Approved Originator concerning this Loan Application) to ANZ.
applicant/guarantor
Print Name
co-applicant/guarantor
Print Name

3 anZ mortgage – Loan
application
Applicant/Guarantor Declaration (p2
Page 20
ROSS COOPER MELISSA COOPER
Signature Date Signature Date
ROSS COOPER 21 06 2018 MELISSA COOPER
21
06 2018
witness signature (anZ mobile Lender/ approved originator)
Print Name Signature Date

4 anZ mortgage Broker Distribution –
Loan application
Loan Documentation Checklist
Page 14australia and new Zealand Banking group Limited (anZ) aBn 11 005 357 522. Item
No. 9600 05.2010 W191288
For BroKer use
The following documents are required for ANZ to assess and provide a decision for the specific loan application. Please check the
appropriate box to confirm the required documents are enclosed with the application. You must sight all originals before submitting
to ANZ. Please ensure all Tax File numbers are effectively removed or blacked out from all documents before submitting to ANZ.
Note: Certain documents such as payslips, the signed Declaration, and the signed Statement of Position expire three months after
the date signed. Please refer to the ANZ Broker Distribution Operations Manual for more information.
Loan appLIcatIon
• All relevant pages of the ANZ Mortgage Broker Distribution
Application Kit
vaLuatIon Forms
• Valuation Report, where required
payg Income (please supply any one of the following
options):
• One payslip confirming at least 3 months YTD
figures (no more than 5 weeks old; must be
consistent with annual income; not handwritten); or
• Wages credited to a transaction account for the
last 3 months, verified by supplying the ANZ
account number or copies of other financial
institution bank statements (with at least
one being an original statement with Internet
statements acceptable for others).
seLF empLoyeD Income/company Income
• Evidence is required in the form of copies of personal and
all associated company/trust/ partnership tax return for the
most recent financial year, accompanied by ATO
assessment notices (most current year’s figures no more
than 18 months old).
• If the applicant operates as a company/business name,
must provide Company/Business name search to confirm
ownership/directorship.
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 6 months)
• Real Estate Agency Letter (used in conjunction with
the Rental Confirmation Tool*)
• Valuation from ANZ Authorised Valuer confirming Rental
Income
IDentIFIcatIon proceDure
• Complete applicable Customer Identification Process at
ANZ Branch prior to settlement (if you do not have an
existing account).
conFIrmatIon oF eQuIty
• Copy of bank statements, receipts, accounts etc.
confirming equity of applicant(s)
Loans In company name
• Certificate of Incorporation for a company
• Registration of a Business Name for a Firm (if applicable)
• Guarantor’s Checklist
guarantor
• Copy of Guarantor’s Checklist

4 anZ mortgage Broker Distribution –
Loan application
Loan Documentation Checklist
Page 15australia and new Zealand Banking group Limited (anZ) aBn 11 005 357 522. Item
No. 9600 05.2010 W191288
portFoLIo
• Completed Portfolio details and Portfolio
holder guarantee requirement.
Loans wIth LenDers mortgage Insurance (LmI)
• Copy of bank statements for past 6 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 Certificate of Title
• 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*
• 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
• 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
*Not compulsory with the initial application, but are required by ANZ prior to providing an unconditional decision.
^Last statement must be from within last four weeks; transaction listings not acceptable