Certificate IV Finance: Mortgage Broker Loan Application Cover Sheet
VerifiedAdded on 2023/03/24
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Homework Assignment
AI Summary
This document is a student's assignment focused on completing a loan application cover sheet for a mortgage broker, specifically referencing the FNS40815 Certificate IV in Finance and Mortgage Broking. The assignment involves filling out the ANZ Mortgage Broker Distribution Loan Application Cover Sheet, including details such as the applicant's personal and employment information, security details, loan selection, and refinancing information. The assignment requires the completion of various sections and forms, including those related to client identification, financial circumstances, and the ANZ Breakfree package. The student needs to demonstrate understanding of the loan application process, including client needs analysis, documentation, and compliance with the ANZ guidelines. The assignment also touches upon topics such as duty calculation, lending checklists, and the First Home Owner Grant Scheme.
anZ mortgage Broker Distribution – Loan application Cover Sheet
approveD orIgInator DetaILs anD authorIsatIon Loan IntervIew DIary note
Page 1 of 15
Business Development Manager
Number of pages included
APPLICATION NUMBER (Office Use Only)
K letters.oclease complete entire application in BLp
please indicate if the customer is an ANZ staff member( )FFsta
overseas)
(please indicate if the customer is a foreign national and residesesidentrnon
and is not yet a citizen or permanent resident)
(please indicate if the customer has recently arrived in Australiaesidentrnew
application)
(please indicate if this application has a linked CommercialLaIcommerc
Mortgage Insurance)
please indicate if this application or any linked application involve Lenders(ImL
Interest in AdvanceFirst Home Buyer
completed.
Authorisation Form MUST be
The ANZ Lock Rate Fee Payment
Lock RateLo Doc 60
Estimated Settlement Date
Finance Clause Expiry Date
NoYes
ANZ Branch? (ANZ cannot settle the loan until this requirement is met)
Has the customer completed the Customer Identification Procedure at an
may wish to record.
interview which may be of interest to ANZ or any unusual circumstances you
Provide details of any other pertinent information obtained during the loan
level of benefit to each party to the loan?
y
There wil be fixed interest amount and flexibility in payment of loan.
Previously also vehicle loan and debt on existing property was taken
BSB: 01 -
approveD orIgInator DetaILs anD authorIsatIon Loan IntervIew DIary note
Page 1 of 15
Business Development Manager
Number of pages included
APPLICATION NUMBER (Office Use Only)
K letters.oclease complete entire application in BLp
please indicate if the customer is an ANZ staff member( )FFsta
overseas)
(please indicate if the customer is a foreign national and residesesidentrnon
and is not yet a citizen or permanent resident)
(please indicate if the customer has recently arrived in Australiaesidentrnew
application)
(please indicate if this application has a linked CommercialLaIcommerc
Mortgage Insurance)
please indicate if this application or any linked application involve Lenders(ImL
Interest in AdvanceFirst Home Buyer
completed.
Authorisation Form MUST be
The ANZ Lock Rate Fee Payment
Lock RateLo Doc 60
Estimated Settlement Date
Finance Clause Expiry Date
NoYes
ANZ Branch? (ANZ cannot settle the loan until this requirement is met)
Has the customer completed the Customer Identification Procedure at an
may wish to record.
interview which may be of interest to ANZ or any unusual circumstances you
Provide details of any other pertinent information obtained during the loan
level of benefit to each party to the loan?
y
There wil be fixed interest amount and flexibility in payment of loan.
Previously also vehicle loan and debt on existing property was taken
BSB: 01 -
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ANZ Mortgage Broker Distribution – Loan Application Cover Sheet
section 1. refinances
Is the application a refinance of other Financial Institution (oFI) Lending? Yes
No If no, skip below to section 2. significant changes in future financial circumstances reason
for refinancing ( please select )
Reduce/simplify repayments Convenience and flexibility
Dissatisfaction with service at current lender More competitive pricing
Specific features and products Other (please specify)
refinancing costs:
1. Has the customer obtained a verbal payout quote from the OFI? Yes No
2. If No, recommend customer obtain quote as costs to refinance may be considerable and may change significantly.
amounts:
Current outstanding balance plus accrued interest
Plus 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 etc
Total amount to refinance
section 2. significant changes in future financial circumstances
are 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
Page 2 of 15
Nominated ANZ Branch for Loan Account (if unknown, insert suburb)
Applicant’s Name
ummaryscantLIppa
Date SentAuthorised Officer/Contact Name
WASA/NTQLDNSW/ACTVIC/TAS
Fax NumberPhone Number
Preferred Number
Title and Name
Approved Originator Company/ Firm Name
SAOAO
If No to above question, what enquiries have been made to ascertain the
NYtaking out this loan?
Do all of the customers clearly benefit from
NYinterpreter been recommended?
If No to above, have the services of an
NYunderstand English?
Do all of the customers appear to clearly
NYIf not, please indicate who was
Were all applicants interviewed in person?
Date of interviewLocation of interview
Name(s) of customer(s) present
section 1. refinances
Is the application a refinance of other Financial Institution (oFI) Lending? Yes
No If no, skip below to section 2. significant changes in future financial circumstances reason
for refinancing ( please select )
Reduce/simplify repayments Convenience and flexibility
Dissatisfaction with service at current lender More competitive pricing
Specific features and products Other (please specify)
refinancing costs:
1. Has the customer obtained a verbal payout quote from the OFI? Yes No
2. If No, recommend customer obtain quote as costs to refinance may be considerable and may change significantly.
amounts:
Current outstanding balance plus accrued interest
Plus 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 etc
Total amount to refinance
section 2. significant changes in future financial circumstances
are 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
Page 2 of 15
Nominated ANZ Branch for Loan Account (if unknown, insert suburb)
Applicant’s Name
ummaryscantLIppa
Date SentAuthorised Officer/Contact Name
WASA/NTQLDNSW/ACTVIC/TAS
Fax NumberPhone Number
Preferred Number
Title and Name
Approved Originator Company/ Firm Name
SAOAO
If No to above question, what enquiries have been made to ascertain the
NYtaking out this loan?
Do all of the customers clearly benefit from
NYinterpreter been recommended?
If No to above, have the services of an
NYunderstand English?
Do all of the customers appear to clearly
NYIf not, please indicate who was
Were all applicants interviewed in person?
Date of interviewLocation of interview
Name(s) of customer(s) present
• Complete Statement of Financial Position (SP) to reflect changes in customer’s
circumstances, and • Recommend customer seek financial advice section 3. Further investment in shares or managed
funds
Is 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? yes
no If yes:
• Recommend customer seeks independent advice from a Financial Advisor
• Ensure margin loan liability and repayments are included in the Statement of
Financial Position.
2.1 anZ mortgage – Loan application Personal
and Employment Details (p1 of 2)
personaL DetaILs prImary appLIcant personaL DetaILs co-appLIcant
Name of spouse Name of spouse
Page 3 of 15
If the customers have no plan to meet changed circumstances:
Sale of AssetsReducing expenditure
of SavingsUseSecuring additional income
Please select:es, how does the customer plan to meet repayments during this reduced income period?yIf
Please specify:Yes
ection 3. Further investment in shares or managed fundss, skip toonIfNo
Anticipated large expenditure-
Y
Y
Mr Dowell Mrs Dowell
12 12 1980 Y Y 13 12
1 1987
Mrs Dowell
circumstances, and • Recommend customer seek financial advice section 3. Further investment in shares or managed
funds
Is 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? yes
no If yes:
• Recommend customer seeks independent advice from a Financial Advisor
• Ensure margin loan liability and repayments are included in the Statement of
Financial Position.
2.1 anZ mortgage – Loan application Personal
and Employment Details (p1 of 2)
personaL DetaILs prImary appLIcant personaL DetaILs co-appLIcant
Name of spouse Name of spouse
Page 3 of 15
If the customers have no plan to meet changed circumstances:
Sale of AssetsReducing expenditure
of SavingsUseSecuring additional income
Please select:es, how does the customer plan to meet repayments during this reduced income period?yIf
Please specify:Yes
ection 3. Further investment in shares or managed fundss, skip toonIfNo
Anticipated large expenditure-
Y
Y
Mr Dowell Mrs Dowell
12 12 1980 Y Y 13 12
1 1987
Mrs Dowell
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No. of dependants Age (in years) of dependant children No. of dependants Age (in years) of dependant children
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 Suburb State
Postcode Country Postcode Country
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
maILIng aDDress DetaILs (IF DIFFerent) maILIng aDDress DetaILs (IF DIFFerent)
Street (No. & Name) Street (No. & Name)
Suburb State
Suburb State
Postcode Country
Postcode Country
Page 4 of 15
1
98225557
Sydney Customs House, 31
Alfred St, Sydney NSW 2000,
Australia
36954 Australia
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 Suburb State
Postcode Country Postcode Country
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
maILIng aDDress DetaILs (IF DIFFerent) maILIng aDDress DetaILs (IF DIFFerent)
Street (No. & Name) Street (No. & Name)
Suburb State
Suburb State
Postcode Country
Postcode Country
Page 4 of 15
1
98225557
Sydney Customs House, 31
Alfred St, Sydney NSW 2000,
Australia
36954 Australia
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2.1 anZ mortgage – Loan application Personal
and Employment Details (p2 of 2)
empLoyment DetaILs (mInImum 2 year hIstory) empLoyment DetaILs (mInImum 2 year hIstory)
Postcode Country Postcode Country
Australia
Phone Number Phone 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
Employed
Time at current employer Years Months Time at current employer Years Months
2.2 application Security Details
pLease photocopy For aDDItIonaL securItIes
securIty DetaILs – one securIty DetaILs – two
Page 5 of 15
Length of probationary period
NoYesCurrently under a probationary periodNoYesCurrently under a probationary period
OccupationOccupation
Not EmployedSelf EmployedNot EmployedSelf Employed
CasualPart TimeFull TimeCasualPart TimeFull Time
Employment typeEmployment type
StateSuburbStateSuburb
Street (No. & Name)Street (No. & Name)
ABNABN
Current Employer’s NameCurrent Employer’s Name
y
Tourism manager
Paramatta council
49907174773
126 Church Street
Parramatta NSW 2150
8 years Length of probationary
period
955556678
and Employment Details (p2 of 2)
empLoyment DetaILs (mInImum 2 year hIstory) empLoyment DetaILs (mInImum 2 year hIstory)
Postcode Country Postcode Country
Australia
Phone Number Phone 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
Employed
Time at current employer Years Months Time at current employer Years Months
2.2 application Security Details
pLease photocopy For aDDItIonaL securItIes
securIty DetaILs – one securIty DetaILs – two
Page 5 of 15
Length of probationary period
NoYesCurrently under a probationary periodNoYesCurrently under a probationary period
OccupationOccupation
Not EmployedSelf EmployedNot EmployedSelf Employed
CasualPart TimeFull TimeCasualPart TimeFull Time
Employment typeEmployment type
StateSuburbStateSuburb
Street (No. & Name)Street (No. & Name)
ABNABN
Current Employer’s NameCurrent Employer’s Name
y
Tourism manager
Paramatta council
49907174773
126 Church Street
Parramatta NSW 2150
8 years Length of probationary
period
955556678
Postcode Country Postcode
Country
Property Purchase On Market Transaction
Y N Property Purchase On Market Transaction
Y N
Off the Plan
Off the Plan
Property Status Property Status
Established To be Built Vacant Land Established
To be Built Vacant Land
Property Tenure Property Use Property Tenure Property Use
Freehold Owner Investment Freehold Owner Investment
Property Zoning Property Zoning
Commercial Residential Rural Commercial Residential Rural
Rural Life Other Rural Life Other
Property Type Property Type
Standard Residential Standard Residential
Studio / Warehouse Apartments Studio / Warehouse Apartments
Multi-dwellings on One Title Multi- dwellings on One Title
1 Bedroom small sized (<40m2) 1 Bedroom small sized (<40m2)
Hotel/Motel Re-Development (Residential-Strata Title) Hotel/Motel Re- Development (Residential-Strata Title)
University Apartments/Student Accommodation (>50m2) University Apartments/Student Accommodation (>50m2)
Rural Residential Housing/Rural Housing (>10 hectares) Rural Residential Housing/Rural Housing (>10 hectares)
Vacant Land Vacant Land
ACT Leasehold ACT Leasehold
Property Development Property Development
Company Title Units Company Title Units
Title Type Title Details Title Type Title Details
Page 6 of 15
StateSuburb
Current Address: Street (No. & Name)
Security given by
OtherY
Guarantee2nd MortgageRegistered MortgageY
Security type
StateSuburb
Current Address: Street (No. & Name)
Security given by
Other
Guarantee2nd MortgageRegistered Mortgage
Security type
Rural Residential
Industrial
OtherLeasehold
New
NY
NY
Rural Residential
Industrial
OtherLeasehold
New
NY
NY
Country
Property Purchase On Market Transaction
Y N Property Purchase On Market Transaction
Y N
Off the Plan
Off the Plan
Property Status Property Status
Established To be Built Vacant Land Established
To be Built Vacant Land
Property Tenure Property Use Property Tenure Property Use
Freehold Owner Investment Freehold Owner Investment
Property Zoning Property Zoning
Commercial Residential Rural Commercial Residential Rural
Rural Life Other Rural Life Other
Property Type Property Type
Standard Residential Standard Residential
Studio / Warehouse Apartments Studio / Warehouse Apartments
Multi-dwellings on One Title Multi- dwellings on One Title
1 Bedroom small sized (<40m2) 1 Bedroom small sized (<40m2)
Hotel/Motel Re-Development (Residential-Strata Title) Hotel/Motel Re- Development (Residential-Strata Title)
University Apartments/Student Accommodation (>50m2) University Apartments/Student Accommodation (>50m2)
Rural Residential Housing/Rural Housing (>10 hectares) Rural Residential Housing/Rural Housing (>10 hectares)
Vacant Land Vacant Land
ACT Leasehold ACT Leasehold
Property Development Property Development
Company Title Units Company Title Units
Title Type Title Details Title Type Title Details
Page 6 of 15
StateSuburb
Current Address: Street (No. & Name)
Security given by
OtherY
Guarantee2nd MortgageRegistered MortgageY
Security type
StateSuburb
Current Address: Street (No. & Name)
Security given by
Other
Guarantee2nd MortgageRegistered Mortgage
Security type
Rural Residential
Industrial
OtherLeasehold
New
NY
NY
Rural Residential
Industrial
OtherLeasehold
New
NY
NY
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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 N Contract of Sale Date
Construction Loan Y N Construction Loan N
soLIcItor DetaILs
Name Address
Company
Suburb State
Phone Number Fax Number Postcode Country
2.3 application Loan Selection
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 type
Loan Purpose Owner Occupied Investment
Purchase Land Purchase New Dwelling Loans in a company/Trust name Land
Home Improvement Bridging proDuct
Refinance Supplementary Standard Variable Simplicity PLUS
Construction Debt Purchase (QLD only) Fixed Rate Equity Manager
Purchase Established Dwelling Equity Manager – no cheque
NOTE: Please specify product for split loan under Loan Details.
Other:
Description Total Amount Sought Approval in Principle Sought
$
Loan DetaILs - one Loan DetaILs - two
Product and Amount Product and Amount
$
Loan term sought (this loan) years Loan term sought (this loan) years
Fixed Rate term (if applicable) years Fixed Rate term (if applicable) years
Page 7 of 15
Y
Y
Y
N
$
685000
$
Security Value Guarantee Amount Security Value Guarantee Amount
$ $ $
Contract of Sale Held Y N Contract of Sale Date Contract of Sale Held N Contract of Sale Date
Construction Loan Y N Construction Loan N
soLIcItor DetaILs
Name Address
Company
Suburb State
Phone Number Fax Number Postcode Country
2.3 application Loan Selection
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 type
Loan Purpose Owner Occupied Investment
Purchase Land Purchase New Dwelling Loans in a company/Trust name Land
Home Improvement Bridging proDuct
Refinance Supplementary Standard Variable Simplicity PLUS
Construction Debt Purchase (QLD only) Fixed Rate Equity Manager
Purchase Established Dwelling Equity Manager – no cheque
NOTE: Please specify product for split loan under Loan Details.
Other:
Description Total Amount Sought Approval in Principle Sought
$
Loan DetaILs - one Loan DetaILs - two
Product and Amount Product and Amount
$
Loan term sought (this loan) years Loan term sought (this loan) years
Fixed Rate term (if applicable) years Fixed Rate term (if applicable) years
Page 7 of 15
Y
Y
Y
N
$
685000
$
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Lock Rate N Progressive Draw N Lock Rate N Progressive Draw 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) years Interest-Only term (if applicable) years
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 Quarterly Half-yearly Annually Monthly Quarterly Half-yearly Annually
Statement cycle
Statement cycle
Monthly Quarterly Half-yearly
Monthly Quarterly Half-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?
Y N If Yes, insert Account Number (if known)
Y N If Yes, insert Account Number (if known)
Fee DIsBursement Fee DIsBursement
Capitalised Lenders Mortgage Insurance N Capitalised Lenders Mortgage Insurance Y N
(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). reFInance
DetaILs (IF appLIcaBLe)
automatically disbursed at Settlement (unless Lock Rate selected).
Other Financial Institution (OFI) Other Financial Institution (OFI)
OFI Account Number OFI Amount OFI Account Number OFI Amount
$
Page 8 of 15
Y Y Y Y
Y
M
$
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) years Interest-Only term (if applicable) years
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 Quarterly Half-yearly Annually Monthly Quarterly Half-yearly Annually
Statement cycle
Statement cycle
Monthly Quarterly Half-yearly
Monthly Quarterly Half-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?
Y N If Yes, insert Account Number (if known)
Y N If Yes, insert Account Number (if known)
Fee DIsBursement Fee DIsBursement
Capitalised Lenders Mortgage Insurance N Capitalised Lenders Mortgage Insurance Y N
(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). reFInance
DetaILs (IF appLIcaBLe)
automatically disbursed at Settlement (unless Lock Rate selected).
Other Financial Institution (OFI) Other Financial Institution (OFI)
OFI Account Number OFI Amount OFI Account Number OFI Amount
$
Page 8 of 15
Y Y Y Y
Y
M
$
2.4 application ANZ Breakfree Package (p1 of 2)
nomInatIon oF manDatory accounts
I/We nominate the following Mandatory Accounts, as specified in section 1a, 1B and 1c. (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.)
1a. 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(s) Current Loan Balance(s)
Total ANZ Mortgage Lending
1B. 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 Package (please contact an ANZ Branch to organise; transaction
account must be opened before Settlement date).
OR
I/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)
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 Assured & Personal Overdraft – 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.
1c. 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 Platinum account will be selected as your mandatory credit card account. new card
Page 9 of 15
:customersreeKFreaBnewFor
Open a new package (please complete below sections 1A, 1B and 1C)
or
If Yes, add to existing package
ustomer?cackagepZ Breakfreeanxistinge
Application Numberhis form must be completed in full to ensure efficient processingt
ageKpacreeKFreaZ BanorFyLonDeteLcompeBto
nomInatIon oF manDatory accounts
I/We nominate the following Mandatory Accounts, as specified in section 1a, 1B and 1c. (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.)
1a. 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(s) Current Loan Balance(s)
Total ANZ Mortgage Lending
1B. 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 Package (please contact an ANZ Branch to organise; transaction
account must be opened before Settlement date).
OR
I/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)
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 Assured & Personal Overdraft – 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.
1c. 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 Platinum account will be selected as your mandatory credit card account. new card
Page 9 of 15
:customersreeKFreaBnewFor
Open a new package (please complete below sections 1A, 1B and 1C)
or
If Yes, add to existing package
ustomer?cackagepZ Breakfreeanxistinge
Application Numberhis form must be completed in full to ensure efficient processingt
ageKpacreeKFreaZ BanorFyLonDeteLcompeBto
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account required option 1 I wish to apply for the ANZ platinum card selected below with a credit limit of $ but understand that I
may only
be approved for the minimum product limit of $6,000 based on my application details. I understand that ANZ may make an offer for a
2.4 application ANZ Breakfree Package (p2 of 2)
existing anZ credit cardholders option 2 I hold a current ANZ Credit Card account and I nominate this account as
my/our Mandatory Credit Card Account.
Account Holder Visa/MasterCard Card Number
option 3 I would like to upgrade to a platinum card and understand platinum cards have a minimum credit limit of $6,000.
I would like to apply for a credit limit increase to $ (only populate field if a credit limit increase is required) I
request you transfer my existing card to the card selected below and nominate this as my eligible credit card under Breakfree.
If my limit increase application is not approved (where requested), I nominate my current credit card (at the existing limit) as my eligible
credit card.
Account Holder Visa/MasterCard Card Number
# You must be a member of the Qantas Frequent Flyer program to earn Points with your 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 $22 (including GST) applies per cardholder for the optional ANZ Platinum Sphere Rewards Program.
+ An annual Rewards Program Services Fee of $55 (including GST) applies per cardholder for ANZ Frequent Flyer Platinum and ANZ Rewards Platinum. 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. 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
Signature Name Date
please 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 15
ANZ Low Rate Platinum(note: fee applies)+ANZ Frequent Flyer Platinum
(note: fee applies)+ANZ Rewards PlatinumANZ Platinum^
#Existing Qantas Frequent Flyer membership numberApplicant’s Name
ANZ Low Rate Platinum+ (note: fee applies)ANZ Frequent Flyer Platinum
(note: fee applies)+ANZ Rewards PlatinumANZ Platinum^
credit card account regardless of whether I accept or decline my Mortgage Letter of Offer
may only
be approved for the minimum product limit of $6,000 based on my application details. I understand that ANZ may make an offer for a
2.4 application ANZ Breakfree Package (p2 of 2)
existing anZ credit cardholders option 2 I hold a current ANZ Credit Card account and I nominate this account as
my/our Mandatory Credit Card Account.
Account Holder Visa/MasterCard Card Number
option 3 I would like to upgrade to a platinum card and understand platinum cards have a minimum credit limit of $6,000.
I would like to apply for a credit limit increase to $ (only populate field if a credit limit increase is required) I
request you transfer my existing card to the card selected below and nominate this as my eligible credit card under Breakfree.
If my limit increase application is not approved (where requested), I nominate my current credit card (at the existing limit) as my eligible
credit card.
Account Holder Visa/MasterCard Card Number
# You must be a member of the Qantas Frequent Flyer program to earn Points with your 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 $22 (including GST) applies per cardholder for the optional ANZ Platinum Sphere Rewards Program.
+ An annual Rewards Program Services Fee of $55 (including GST) applies per cardholder for ANZ Frequent Flyer Platinum and ANZ Rewards Platinum. 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. 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
Signature Name Date
please 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 15
ANZ Low Rate Platinum(note: fee applies)+ANZ Frequent Flyer Platinum
(note: fee applies)+ANZ Rewards PlatinumANZ Platinum^
#Existing Qantas Frequent Flyer membership numberApplicant’s Name
ANZ Low Rate Platinum+ (note: fee applies)ANZ Frequent Flyer Platinum
(note: fee applies)+ANZ Rewards PlatinumANZ Platinum^
credit card account regardless of whether I accept or decline my Mortgage Letter of Offer
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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
ANZ account(s) Total ANZ Home Loan
Other
financial institution account(s) Total ANZ Investment Loan
Other Cash Assets (Bonds) ANZ Overdraft
ANZ Personal Loan
Shares
Property Assets (list Address & Value) OFI Home Loan
OFI Investment Loan
OFI
Overdraft
Credit / Store Cards $
other liabilities Due
total property assets Outstanding taxation
Contribution paid to deposit on property Other – please specify
Page 11 of 15
Non-continuing
$ 18500000
$ 18500000
assets
Present value
LIaBILItIes
Limit(s)
Current outstanding
$ $
$
$ 1800000
$
$
$
$
$
$
$
$
$
$
$
Personal Statement of Financial Position
aLL areas must Be compLeteD By customer / pLease photocopy For aDDItIonaL appLIcants name(s) Date
ANZ account(s) Total ANZ Home Loan
Other
financial institution account(s) Total ANZ Investment Loan
Other Cash Assets (Bonds) ANZ Overdraft
ANZ Personal Loan
Shares
Property Assets (list Address & Value) OFI Home Loan
OFI Investment Loan
OFI
Overdraft
Credit / Store Cards $
other liabilities Due
total property assets Outstanding taxation
Contribution paid to deposit on property Other – please specify
Page 11 of 15
Non-continuing
$ 18500000
$ 18500000
assets
Present value
LIaBILItIes
Limit(s)
Current outstanding
$ $
$
$ 1800000
$
$
$
$
$
$
$
$
$
$
$
Total Number of Motor Vehicles No. $
Total Value of Motor Vehicles $
Superannuation Total liabilities (2)
Total Other Assets (eg insured value of contents Total assets (1) and valuables, boat etc) – please specify
Less Total liabilities (2)
Net assets (=1–2) $ 146270
Total
eXpenDIture (average monthLy)
Credit commitments
Total assets (1) Loan Repayments for this facility
Income earner 1 $
Credit/store cards
$
Income earner 2 $ other commitments
Monthly gross x80%* $
*do not show rental property expenses as separate expense items
$
$
Total net monthly expenditure (4) $
Total net monthly income (3) Total net monthly income (3)
Page 12 of 15
Non-continuing liab
3
$
$ 48000$
$
$
$
1730
$ 1800000
$
$
Income (average monthLy) Base
salary Gross (p.a) Net (1150000p.m.)
Loan Repayment for other ANZ loans/ HPs $
Loan repayment for OFI loans/HPs $
$
other income
Regular overtime
Government benefits/ pension
Part–time/ casual employment
Dividends/ Interest Rent
received net
$
$
$
$
$
Total Living Expenses $
(includes: Motor Vehicle, Rates, Electricity, Gas, Telephone, Food,
Clothing, Personal, Home Insurance, and Education Expenses)
Rent/Board $
Insurance – Contents/Medical etc $
Life/Income replacement insurance $
Child Maintenance $
Other – please specify Other – please specify
$ $
$
$
$
$
$
$
Total Value of Motor Vehicles $
Superannuation Total liabilities (2)
Total Other Assets (eg insured value of contents Total assets (1) and valuables, boat etc) – please specify
Less Total liabilities (2)
Net assets (=1–2) $ 146270
Total
eXpenDIture (average monthLy)
Credit commitments
Total assets (1) Loan Repayments for this facility
Income earner 1 $
Credit/store cards
$
Income earner 2 $ other commitments
Monthly gross x80%* $
*do not show rental property expenses as separate expense items
$
$
Total net monthly expenditure (4) $
Total net monthly income (3) Total net monthly income (3)
Page 12 of 15
Non-continuing liab
3
$
$ 48000$
$
$
$
1730
$ 1800000
$
$
Income (average monthLy) Base
salary Gross (p.a) Net (1150000p.m.)
Loan Repayment for other ANZ loans/ HPs $
Loan repayment for OFI loans/HPs $
$
other income
Regular overtime
Government benefits/ pension
Part–time/ casual employment
Dividends/ Interest Rent
received net
$
$
$
$
$
Total Living Expenses $
(includes: Motor Vehicle, Rates, Electricity, Gas, Telephone, Food,
Clothing, Personal, Home Insurance, and Education Expenses)
Rent/Board $
Insurance – Contents/Medical etc $
Life/Income replacement insurance $
Child Maintenance $
Other – please specify Other – please specify
$ $
$
$
$
$
$
$
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