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Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 1 of 36
APPROVED ORIGINATOR DETAILS AND AUTHORISATION
AO SAO
Approved Originator Company/ Firm Name
Title and Name
Preferred Number
Phone Number Fax Number
VIC/TAS NSW/ACT QLD SA/NT WA
Authorised Officer/Contact Name Date Sent Email Address
APPLICANT SUMMARY
Applicant’s Name
Nominated ANZ Branch for Loan Account (if unknown, insert suburb)
BSB: 01 –
PH: 1800 812 785
ANZ HOME LOAN – BROKER
LOAN APPLICATION COVER SHEET
Please complete entire application in BLOCK letters.
APPLICATION NUMBER (Office Use Only)
Number of pages included
Application Type
Lo Doc 60 Lock Rate
The ANZ Lock Rate Fee Payment
Authorisation Form MUST be
completed.
First Home Buyer Interest in Advance
LMI (please indicate if this application or any linked application involve
Lenders Mortgage Insurance)
COMMERCIAL (please indicate if this application has a linked Commercial
application)
NEW Resident (please indicate if the customer has recently arrived in
Australia and is not yet a citizen or permanent resident)
NON Resident (please indicate if the customer is a foreign national and
resides overseas)
STAFF (please indicate if the customer is an ANZ staff member)
Has the customer completed the Customer Identification Procedure at an ANZ Branch? (ANZ cannot settle the loan until this requirement is met)
Yes No
Finance Clause Expiry Date
Estimated Settlement Date
CUSTOMER INSTRUCTIONS
Offset
Does the customer wish to link a current ANZ One (offset) Account?
Yes No
If Yes, insert Account number (if known)
SUBMISSION DETAILS
Originator Reference ID (LIXI companies only)
ANZ Submission ID
Submission Date Time
Submission Method
LIXI ANZ Online Applications
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 2 of 36
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P1 OF 11)
This form only applies to regulated loans that are secured over residential property. It should only be used where there is an application for a loan secured by
residential property and where the purpose is wholly or predominantly for:
• personal, domestic or household purposes; or
• to purchase, renovate or improve residential property for investment purposes or to refinance credit provided for that purpose.
LOAN INTERVIEW DIARY NOTE
Name(s) of customer(s) present
How was the interview conducted?
In-person Interview
Location of interview Date of interview
Video Conference Interview
Date of interview
Were all applicants present during the interview?
If not, please indicate who was present Y N
Do all of the customers appear to clearly
understand English? Y N
If No to above, have the services of an
interpreter been recommended? Y N
Do all of the customers clearly benefit from
taking out this loan? Y N
If No to above question, what enquiries have been made to ascertain the level of benefit to each party to the loan?
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 3 of 36
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P2 OF 11)
This form only applies to regulated loans that are secured over residential property. It should only be used where there is an application for a loan
secured by residential property and where the purpose is wholly or predominantly for:
• personal, domestic or household purposes; or
• to purchase, renovate or improve residential property for investment purposes or to refinance credit provided for that purpose.
REQUIREMENTS & OBJECTIVES
1. APPLICANT DECLARED PURPOSE
1.1 Tick the applicable box to confirm the loan purpose type: Owner Occupier Residential Investment
Purpose
Amount ($)
Purchase a property
Construction
Renovations
Investment Purposes
Purchase a motor vehicle, boat, trailer etc.
Refinance
Debt consolidation
Other Purpose(s) being:
TOTAL AMOUNT OF CREDIT SOUGHT:
Please provide any additional details relating to applicant(s) purpose, including their immediate, medium term and long term goals.
1.2 Select the purpose for which the loan proceeds will be used and specify the proposed amount required for each purpose selected (Multiple
purposes can be selected.):
If purpose is wholly or predominantly commercial or investment (other than in residential property), this interview guide is not intended to be used.
Where Refinance or Debt Consolidation have been selected in 1.1, ensure the applicant(s) understands that if this increases the term of the loan, this
may cause the applicant(s) to pay more interest and mean the applicant(s)’s equity in the property builds up at a slower rate.
The applicant(s) appeared to understand and wants to proceed.
Where Debt Consolidation has been selected in 1.1, please complete 1.3 and 1.4.
Otherwise, continue to 1.5.
1.3 If Debt Consolidation was selected in 1.1, will existing credit card limits be reduced or cancelled?
Yes No
If Yes, please give details below:
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 4 of 36
1.4 I have discussed with the applicant(s) that they may end up paying more interest, particularly if the applicant(s) incurs further credit card,
personal loan or car loan debt after consolidating existing debts.
The applicant(s) appeared to understand and wants to proceed.
1.5 Term of credit sought: Years / Months
2. REFINANCE & DEBT CONSOLIDATION
This section is to be completed if the applicant(s) is refinancing or consolidating debts with the proceeds of the proposed loan. If the applicant(s) is not
refinancing or consolidating debts, continue to the Section 3 – Possible Adverse Changes to Financial Situation.
2.1 Why does the applicant(s) want to refinance the existing loan? (Multiple options can be selected.)
Reduced repayments
Please specify current and anticipated repayments under the existing loan:
Lower interest rate
Please specify current and anticipated interest rates under the existing loan:
Increase total loan amount
Greater flexibility / extra or specific loan features under new loan
Please give details:
Wants to reduce number of lenders / consolidate debts
Please give details:
Dissatisfied with other financial institution
Please give details:
Close to end of current loan term
Please give details:
Other
Please give details:
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P3 OF 11)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 5 of 36
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P4 OF 11)
3. POSSIBLE ADVERSE CHANGES TO FINANCIAL SITUATION
3.1 Does the applicant(s) plan or anticipate changes (other than retirement – see 3.4) to their future financial circumstances that could
ADVERSELY impact their ability to repay the loan?
Yes No
If Yes, specify to which applicant(s) the changes apply and answer the remaining questions for all applicants together.
Applicant 1 Applicant 2
3.2
If Yes, what is the nature of the planned or anticipated change?
Select one or more of the relevant options and give details of the expected change or changes in the table below.
Period of Impact
Financial Impact per month ($)
Extended unpaid leave (e.g. parental leave)
Reduced income
End of contract / loss of employment
Leaving employment
Increased debt repayment(s) for an existing loan
Large expenditure (e.g. wedding/tax bill)
Medical treatment / illness
Other (please give details below)
3.3 How do the applicant(s) intend to meet their loan repayments during the planned or anticipated change(s)?
Select one or more of the relevant options and give details of those options in the table below.
Details
Additional income source
Sale of other assets (please specify)
ANZ held security
Other property
Shares
Savings
ANZ savings
OFI savings
Co-applicant’s income (please give details if not already
captured in Financials)
Other (please give details)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 6 of 36
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P5 OF 11)
3.4 Are all applicant(s) currently retired?
Yes – proceed to Section 4
No – continue to next question
3.5
At what age is the applicant(s) planning to retire?
Applicant 1
Applicant 2
3.6 Will any applicant(s) reach their planned retirement age within 7 years of the application date?
Yes – proceed to question 3.8
No – continue to next question
3.7 Is any applicant(s) within 7 years of the statutory retirement age?
Yes – continue to next question
No – proceed to Section 4
If either applicant plans to retire within 7 years of the application date or is within 7 years of the statutory retirement age, continue to 3.8. Otherwise,
continue to Section 4.
3.8 How would the applicant(s) propose to meet their loan repayments? (Multiple options can be selected.)
Please provide all relevant documents to support the customer’s plan.
Repayment of loan prior to retirement
Downsizing home
Sale of Other Assets (please specify)
ANZ held security
Other property
Shares
Recurring income from superannuation
Superannuation lump sum following retirement
Savings
ANZ savings
OFI savings
Income from other investments
Co-applicant’s income
Customer planning to work past the statutory retirement
age (please detail customer plan)
Other (please give details below)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 7 of 36
4. LOAN FEATURES
4.1 Loan Features Selection
In order to complete this section, brokers must consider all answers previously given, and in particular, those relating to:
• Loan Purpose (Section 1);
• Refinance & Debt Consolidation (if applicable) (Section 2);
• Possible adverse changes to financial situation (Section 3);
Each feature in the table is to be marked as ‘Important’, ‘Not Important’ or ‘Don’t Want’, depending on the broker’s discussion with the
applicant(s).
‘Important’ means the feature is a high priority for the applicant(s). ‘Not Important’ means it is not of high priority to the applicant(s). ‘Don’t
Want’ should be selected where the applicant(s) expressed they do not want the feature.
Where a feature is identified as ‘Not Important’ or ‘Don’t Want’, no further action is required for the purposes of this table.
Where a feature is identified as ‘Important’, the broker must ascertain from the applicant(s) why that feature is important to them. Please select
the appropriate reasons in the ‘Reason’ column for any feature that is marked ‘Important’. In selecting the reasons, the broker should ensure the
applicant(s) consider the particular benefit(s) of the feature that is/are important to them (e.g. if fixed rate period is important a reason may be
because the applicants want certainty of the repayment amount during the fixed rate period).
Where the feature has been selected for reasons other than for reasons already provided, ensure details of those ‘Other’ reasons are captured in
the same column.
Where a feature is identified as ‘Important’, confirm the applicant(s) understands each of the risks contained in the ‘Features’ column by ticking
the relevant box alongside that risk.
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P6 OF 11)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 8 of 36
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P7 OF 11)
Feature
Important
Reason
Not
important
Don’t
Want
RATE TYPE
Fixed rate
• Rate is fixed for a specified term giving
certainty of interest and repayments for
that term.
Ensure each applicant understands each of the
following risks:
• Rate is fixed at a point in time and
applicant(s) will not benefit from
subsequent market interest rate
reductions during fixed rate period.
• Rate may change between the time of
approval and the time of drawdown if
rate guarantee has not been obtained.
• Limited or no ability to make additional
repayments when the interest rate is fixed.
• May not have the ability to redraw or
utilise an offset account to reduce
interest.
• Possibility of expensive break costs if,
during the fixed interest rate period,
applicant(s):
– Repay loan in full;
– Switch to another product or loan type;
– Make additional repayments;
– Sell the property; or
– Seek further funds.
If feature is marked
‘Important’, confirm that each
of the risks listed in ‘Features’
have been explained to the
applicant(s):
AND
indicate the preferred duration
of the fixed rate period:
6 months
12 months
18 months
2 years
2 years plus
Where fixed rate is important, why is this?
Avoiding risk of increasing variable
interest rate during fixed interest
period.
Make budgeting easier.
Other.
Details for “Other”:
Variable rate
Interest charged and repayments will
change to reflect interest rate movements.
Ensure each applicant understands each of the
following risk:
Interest rate and repayment amount may
increase while the loan is on a variable rate.
If feature is marked
‘Important’, confirm that each
of the risks listed in ‘Features’
have been explained to the
applicant(s):
Where variable rate is important, why is
this?
To take advantage of potential future
decreases in the interest rate.
Flexibility with respect to repayment,
redraw and/or early repayment of
loan.
Other.
Details for “Other”:
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 9 of 36
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P8 OF 11)
Feature
Important
Reason
Not
important
Don’t
Want
Fixed and Variable rate
• The applicant(s) may want a loan split
between fixed and variable portions.
Fixed rate portion
• Rate is fixed for a specified term giving
certainty of interest and repayments for
the fixed rate portion.
Variable rate portion
• Interest charged and repayments will
change to reflect interest rate
movements for the variable rate portion.
Ensure each applicant understands each of the
following risks associated with fixed and
variable splits of the loan:
• Applicant(s) will not obtain the full
benefit of rate decreases and will still
have some exposure to the risk of rate
increases.
• Applicant(s) will generally not be able to
change the ratio of the fixed and variable
portions.
• Applicant(s) will be required to make
separate repayments for each portion.
• Fixed rate may change between the time
of approval and the time of drawdown if
rate guarantee has not been obtained.
• Limited or no flexibility in relation to the
fixed rate portion concerning making
additional repayments, redraws and offset
accounts during the fixed rate period.
• Possibility of expensive break costs in
relation to the fixed rate portion if during
the fixed rate period, the applicant(s):
– Repay loan in full;
– Switch to another product or loan type;
– Make additional repayments;
– Sell the property; or
– Seek further funds.
If feature is marked
‘Important’, confirm that each
of the risks listed in ‘Features’
have been explained to the
applicant(s):
AND
indicate the preferred duration
of the fixed rate period:
6 months
12 months
18 months
2 years
2 years plus
Where fixed and variable rate is
important, why is this?
Limiting risk of increasing variable
interest rate to obtain some benefit
from potential future decreases in the
interest rate.
Retaining a degree of flexibility in
relation to increased repayments,
redraws and/or early repayment of
part of the loan.
Make budgeting easier than if the
entire loan were variable.
Other.
Details for “Other”:
REPAYMENT TYPE
Principal and Interest
• Repayments cover loan principal and
interest so that the loan is paid in full by
the end of the loan term.
• Applicant(s) could pay less interest over
the life of the loan as compared with a
loan which features a period of interest
only repayments.
• Interest rates on principal and interest
repayments are generally lower than
interest only.
If feature is marked
important, indicate preferred
repayment frequency:
weekly
fortnightly
monthly
Where principal and interest is important,
why is this?
Minimise interest paid over life of loan.
Higher lending limit.
Lower deposit required.
Build up equity from the start.
Other.
Details for “Other”:
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 10 of 36
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P9 OF 11)
Feature
Important
Reason
Not
important
Don’t
Want
Interest Only
• Allows smaller payments during the
interest only period enabling:
– Higher cash on hand for other
purposes.
– Flexibility to manage cash flow.
– Smaller initial payments on
investment home loans may serve a
tax purpose.
Ensure each applicant understands each of the
following risks:
• Higher interest rates may apply to
interest only loans.
• Interest only payments will not reduce
the loan principal.
• Not repaying loan principal will result in
the applicant paying more interest over
the loan term.
• After the end of the interest only period,
principal and interest repayments will be
required and these will be higher than
they would have been if the loan had
principal and interest repayments
throughout the loan term.
• The amount of equity that is built-up in
the property securing the loan will be less
with an interest only loan.
If feature is marked
‘Important’, confirm that each
of the risks listed in ‘Features’
have been explained to the
applicant(s):
AND
indicate the preferred duration
of the interest only period:
up to 1 year
1 to 3 years
3 to 5 years
5 years plus
AND
indicate why the proposed
length of the interest only term
is appropriate to the customers
needs:
AND
indicate preferred payment
frequency:
weekly
fortnightly
monthly
Where interest only is important, why is
this?
Accommodate temporary reduction in
income (e.g. parental leave, changing
circumstances).
Accommodate anticipated non
recurring expense item (e.g.
education, renovation/construction,
furniture).
Variable and unpredictable income.
Recommendation provided by an
independent financial advisor /
accountant.
Taxation or accounting reasons (based
on financial or tax advice), including:
• Release funds for investment
purposes (e.g. shares, investment
property, super contributions).
• Priority is paying off non
deductable debts (this loan is for
investment purposes); and
• Plan to convert to an investment
property in future.
Other.
Details for “Other”:
Interest in Advance
• Allows the applicant(s) to make lump
sum interest only payments in advance.
• May serve a tax purpose.
• May be discounts on interest rate.
Ensure each applicant understands all of the
following risks:
• Rate must be fixed and all the risks set
out above in relation to ‘Fixed Interest’
rate are applicable. Please explain each of
these risks to the applicant(s).
• Explain any different risks applicable to
specific lender products (e.g. limitations
on refunds for interest paid in advance).
If feature is marked
‘Important’, confirm that each
of the risks listed in ‘Features’
have been explained to the
applicant(s):
Where interest in advance is important,
why is this?
For tax purposes (based on financial or
tax advice).
Discounts on interest rate.
To assist with cash flow and
budgeting.
Other.
Details for “Other”:
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 11 of 36
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P10 OF 11)
Feature
Important
Reason
Not
important
Don’t
Want
Line of Credit
• Flexibility of revolving line of credit
allows applicant(s) to draw to an
approved limit from time to time with
only an obligation to pay monthly
interest and otherwise flexibility of
repayment amounts.
Ensure each applicant understands each of the
following risks:
• Higher interest rates may apply to a line
of credit as compared to a principal and
interest loan.
• Not paying off principal may result in
more interest being paid over the loan
term.
• Usually no formal repayment structure
exists to the facility and so financial
discipline is required to repay the loan.
• If lender has discretion to reduce or
cancel the limit, applicant(s) may be
required to pay off the amount owing at
any time and would need a plan for
doing so.
If feature is marked
‘Important’, confirm that each
of the risks listed in ‘Features’
have been explained to the
applicant(s):
If feature is marked as
‘Important’ and section 3.5
above (dealing with
retirement) has not been
completed, what is the
applicant’s plan for paying off
line of credit at the end of or
during the term?
Repayment of loan prior
to end of term.
Downsizing.
Sale of assets.
Savings.
Income from other
investments.
Why is flexibility of drawdown and
repayments important?
Assists with investment purchases and
tax planning (based on financial or tax
advice).
Anticipated variable cash flows.
Allows access to funds at any time.
Flexibility to manage repayments.
No need to apply for further lending in
future.
Ongoing need for funds – planning to
make a few purchases over a period of
time.
Other.
Details for “Other”:
PRODUCT TYPE
Offset Account
• Allows applicant(s) to link a savings
account in their name to a loan account
to reduce amount of interest payable
under loan.
• Will only be of benefit where the
applicant expects to have sufficient funds
in the offset account so that the interest
savings on the loan will exceed the
additional costs related to the offset
account.
Ensure each applicant understands each of the
following risks:
• Feature may not be available when the
loan is on a fixed rate.
• May only be a partial interest rate offset.
• Fees may apply.
Explain any different risks applicable to
specific lender products, including a higher
interest rate on the loan.
If feature is marked
‘Important’, confirm that each
of the risks listed in ‘Features’
have been explained to the
applicant(s):
Where having an offset account is
important, why is this?
Allows paying off loan sooner.
Allows access to funds.
For tax purposes (based on financial or
tax advice).
Other.
Details for “Other”:
Redraw
• Allows applicant(s) to access extra
repayments that they made additional to
their required minimum repayments.
Ensure each applicant understands each of the
following risks:
• Lender may charge fees for each redraw.
• Each redraw may be subject to the
lender’s discretion.
If feature is marked
‘Important’, confirm that each
of the risks listed in ‘Features’
have been explained to the
applicant(s):
Where having a redraw feature is
important, why is this?
Flexibility to access prepaid funds if
needed.
Other.
Details for “Other”:
Co-applicant’s income.
Other.
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 12 of 36
ANZ HOME LOAN – BROKER
BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY
RESIDENTIAL PROPERTY (P11 OF 11)
4.2 Conflicts between loan features
4.2.1 Are there any conflicts between any of the loan features marked ‘Important’ in 4.1?
Yes No
4.2.2 Explain the conflicts to the applicant(s) and ask them to consider the priority of the loan features they identify as ‘Important’ so that the conflict
can be resolved. Once this is done, set out those priorities and reasons for those priorities below.
4.3 Other
4.3.1 Lender Preference
Does the applicant have a preferred lender or lenders (e.g. one with branch access)?
Yes No
If Yes, specify the lender or lenders and the reason(s) for the preference.
4.3.2 Do the applicant(s) have any other requirements and objectives not already stated which may affect whether the loan, for which they propose to
apply, is suitable, including whether there are any particular personal circumstances of the applicant(s) not documented in any previous
responses in this interview guide that are relevant to the loan features that have been identified as ‘Important’?
4.4 Product Selection
Product selection needs to take place having regard to the outcome of the requirements and objectives’ enquiries set out above. The broker
must give a concise narrative summary of the applicant(s)’s requirements and objectives and why the particular type of loan product was chosen
to meet those requirements and objectives. If Section 4.2.2 has been answered, you do not need to repeat that answer in your response to this
question. In your answer to this question you should simply refer to that section and, to the extent it is required, add any further narrative that is
necessary to answer this question.
5.0 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?
If Yes:
Yes

Recommend customer seeks independent advice from a Financial Advisor
No
• Ensure margin loan liability and repayments are included in the Statement of Financial Position.
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 13 of 36
PERSONAL DETAILS PRIMARY APPLICANT PERSONAL DETAILS CO-APPLICANT
Applicant
Title
Director/ Partner
Surname
Guarantor
Trustee
Applicant
Title
Director/ Partner
Surname
Guarantor Trustee
First name Middle name First name Middle name
(Please note: this name appears on the Letter of Offer) (Please note: this name appears on the Letter of Offer)
Date of birth
Gender
M F
State
Drivers licence number
Permanent Australian
Date of birth
Gender
Permanent Australian
M F
State
Y N
Drivers licence number
Y N Current housing situation Current housing situation
Boarding Own home Renting With parents Caravan Boarding Own home Renting With parents Caravan
Other: Other:
Marital Status Single Married or De facto Marital Status Single Married or De facto
Name of spouse Name of spouse
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
2.1 ANZ HOME LOAN APPLICATION
PERSONAL AND EMPLOYMENT DETAILS (P1 OF 2)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 14 of 36
EMPLOYMENT DETAILS (MINIMUM 2 YEAR HISTORY) EMPLOYMENT DETAILS (MINIMUM 2 YEAR HISTORY)
Employment type Employment type
Full Time Part Time Casual Full Time Part Time Casual
Self Employed Not Employed Self Employed Not Employed
Occupation Occupation
Currently under a probationary period Yes 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 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
Time at current employer Years Months Time at current employer Years Months
2.1 ANZ HOME LOAN APPLICATION
PERSONAL AND EMPLOYMENT DETAILS (P2 OF 2)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 15 of 36
PLEASE PHOTOCOPY FOR ADDITIONAL SECURITIES
SECURITY DETAILS – ONE SECURITY DETAILS – TWO
Security type Security type
Registered Mortgage 2nd Mortgage Guarantee Registered Mortgage 2nd Mortgage Guarantee
Other Other
Security given by Security given by
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
Off the Plan
Property Status
Y N
Established
New
To be Built
Vacant Land
Property Purchase Y N
On Market Transaction
Y N
Off the Plan
Property Status
Y N
Established
New
To be Built
Vacant Land
Property Tenure
Property Use
Freehold Leasehold Other
Owner Investment
Property Tenure
Property Use
Freehold Leasehold Other
Owner Investment
Property Zoning Property Zoning
Commercial Industrial Residential Rural Commercial Industrial Residential Rural
Rural Life Rural Residential Other Rural Life Rural Residential Other
Property Type Property Type
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
Phone Number Fax Number Postcode Country
2.2 ANZ HOME LOAN APPLICATION
SECURITY DETAILS
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 16 of 36
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 – ONE LOAN DETAILS – TWO
Product and Amount Product and Amount
$
years
years
$
years
years
Loan term sought (this loan) Loan term sought (this loan) Fixed Rate term (if applicable) Fixed Rate term (if applicable) Lock Rate Y N Progressive Draw Y N Lock Rate Y N Progressive Draw Y 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
NOTE: If Interest-Only term applies then reason for Interest Only must be specified. NOTE: If Interest-Only term applies then reason for Interest Only must be specified.
Repayments frequency
Weekly Fortnightly Monthly
Frequency for RIL Interest-in-Advance only
Monthly
Statement cycle
Monthly
Quarterly
Half-yearly
Annually
Quarterly
Half-yearly
Repayments frequency
Weekly
Fortnightly Monthly
Frequency for RIL Interest-in-Advance only
Monthly
Statement cycle
Monthly
Quarterly
Half-yearly
Annually
Quarterly
Half-yearly
Security to Product (address) Security to Product (address)
2.3 ANZ HOME LOAN APPLICATION
LOAN SELECTION
LOAN DETAILS
Loan Purpose
Purchase Land
Purchase New Dwelling
Home Improvement
Bridging
Refinance
Construction
Supplementary
Debt Purchase (QLD only)
Purchase Established Dwelling
Other:
Description
LOAN TYPE
Owner Occupied
Loans in a company/Trust name
Investment
Land
PRODUCT
Standard Variable
#Fixed Rate
Equity Manager – no cheque
Simplicity PLUS
Equity Manager
NOTE: Please specify product for split loan under Loan Details.
#The fixed interest rate will be set at the time of draw down unless a lock rate fee is paid.
Early Repayment Costs may be very large and is incurred if, during the fixed rate period
the customer makes additional repayments over the set threshold or makes a change to
another fixed rate or a variable rate loan.
Total Amount Sought Approval in Principle Sought
$
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
(If you choose ‘Y’ the LMI will be automatically
Y
N
Capitalised Lenders Mortgage Insurance
(If you choose ‘Y’ the LMI will be automatically
Y N
added to the loan amount requested) added to the loan amount requested)
NOTE: All Bank, Security/Government fees and charges and Lenders Mortgage NOTE: All Bank, Security/Government fees and charges and Lenders 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 OFI Amount OFI Account Number OFI Amount
$ $
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 17 of 36
2.4 ANZ HOME LOAN APPLICATION
BREAKFREE PACKAGE (P1 OF 3)
TO BE COMPLETED ONLY FOR ANZ BREAKFREE PACKAGE
This form must be completed in full to ensure efficient processing Application Number
Existing ANZ Breakfree Package Customer?
If Yes, add to existing package (sections 1A,1B and 1C are optional if changing nominated accounts)
OR
Open a new package (please complete below sections 1A, 1B and 1C to nominate accounts)
1A. NOMINATED LOAN ACCOUNT(S)
List all eligible ANZ Home and Residential Investment Loans held by the applicants (either individually or jointly), to be linked to the Package by
this request.
Account Holder(s) Account Number(s) Current Loan Balance(s)
Total ANZ Mortgage Lending
1B. TRANSACTION ACCOUNT(S)
NOMINATED PRIMARY TRANSACTION ACCOUNT (PLEASE SELECT ONE)
Note: The Annual package fee will be charged to your primary transaction account once your loan is drawn. Transaction account(s) 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)
Usually we suggest ANZ Assured to provide cover for temporary expenses arising on your ANZ Everyday account. Is this what you are planning to use
ANZ Assured for?
Y N
1) I/We do not require an ANZ Assured facility OR already have an ANZ Assured facility.
2) I/We require an ANZ Assured facility with a credit limit of (please select one) $500 $1,000 and request that it be linked to the above account
3) If applying for the $1,000 limit and you do not meet the credit product requirements for the $1,000 limit you have applied for, do you consent
to being considered for, and if approved, issued with a $500 limit? Yes No, only consider me for a $1,000 limit and if declined, do not
consider me for a $500 limit.
I/We acknowledge that the ANZ Assured & Personal Overdraft – Terms and Conditions govern any use of an ANZ Assured facility. If ANZ accepts my/our
application for ANZ Assured, I/we understand that ANZ will provide me/us with these Terms and Conditions.
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 18 of 36
2.4 ANZ HOME LOAN APPLICATION
BREAKFREE PACKAGE (P2 OF 3)
1C. NOMINATED CREDIT CARD ACCOUNT – Note: To avoid delays in the receipt of credit cards, please ensure Option 1, 2 OR 3 is completed IN 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 Nominated credit card account.
If you do not nominate a Primary Cardholder for Option 1 or Option 3, Applicant 1 will be selected as the Primary Cardholder.
New Card Account Required
Option 1 I wish to apply for the credit card account selected below, with the understanding that the minimum credit limit for an ANZ Low Rate
account is $1000, any ANZ Platinum (including ANZ Rewards Travel Adventures) account is $6000 and an ANZ Rewards Black or ANZ
Frequent Flyer Black account is 15,000. My nominated amount for this card is $ , but I understand that I may
only be approved for the minimum credit limit for the credit card product selected, based on my application details. I understand that
if my credit card application is approved, ANZ may provide me with a credit card regardless of whether I choose to accept or decline
a home loan letter of offer. Any ANZ Breakfree package benefits associated with the credit card will only be available if I hold and
continue to maintain eligibility for an ANZ Breakfree package.
If you are making a joint application for ANZ Breakfree, you are requesting that your new credit card account be assessed based on the
joint financial situation of all applicants. By choosing to apply for this new credit card:
• each applicant agrees it is their intention for the credit card debt to be paid out of the joint income of the applicants; and
• the person applying for the new credit card account acknowledges that, despite the above arrangement, he/she will remain legally
responsible for the credit card account as the sole debtor.
To assist me to decide which ANZ Credit Card I would like to apply for I have read ANZ’s Information Sheet called “Key Facts About Our
Credit Cards”. I am applying for the following credit card:
ANZ Rewards Cards+
ANZ Frequent Flyer Cards +#
Low Rate Cards
Low Annual Fee Cards
ANZ Rewards Platinum
ANZ Rewards Black
ANZ Rewards Travel Adventures
Our other Rewards option, ANZ Rewards,
is not available under the ANZ Breakfree
Package.
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Black
Our other Frequent Flyer option, ANZ
Frequent Flyer, is not available under the
ANZ Breakfree Package.
ANZ Low Rate
ANZ Platinum
Our other low annual fee option, ANZ
First, is not available under the ANZ
Breakfree Package.
Remember, the annual account fee is waived on one eligible ANZ credit card while it is held under the ANZ Breakfree Package. You should consider this if you are intending
to keep the card as your nominated card under the ANZ Breakfree package.
+ An annual Rewards Program Services Fee of $55 (including GST) applies per cardholder for an ANZ Frequent Flyer or ANZ Rewards account. This fee is subject to change.
# You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points with your ANZ Frequent Flyer account. A joining fee may apply. Please call
Qantas on 13 11 31 if you are not a member.
If you are applying for a new ANZ Rewards Black or ANZ Frequent Flyer Black account, or are upgrading your existing account to an
ANZ Rewards Black or ANZ Frequent Flyer Black account, you may wish to be considered for the equivalent ANZ platinum product
if you don’t meet the ANZ Rewards Black or ANZ Frequent Flyer Black account’s credit and product requirements. Do you consent to
being considered for, and if approved, issued the equivalent ANZ platinum account in these circumstances?
Yes No
Note: By completing this Breakfree Application form, you acknowledge that your credit card is subject to the ANZ Credit Card Conditions of Use.
Applicant’s Name
Existing Qantas Frequent Flyer membership number#
Existing ANZ Credit Cardholders
Option 2
I hold a current ANZ Credit Card account and I nominate this account as my/our Nominated Credit Card Account.
Account Holder
Visa/Mastercard Card Number
Option 3 I wish to upgrade to the credit card account selected below, with the understanding that the minimum credit limit for an ANZ Low Rate
account is $1000, any ANZ Platinum (including ANZ Rewards Travel Adventures) account is $6000 and an ANZ Rewards Black or ANZ
Frequent Flyer Black account is $15,000.
I would like to apply for a credit limit increase to $ and understand that if my credit limit increase application is
not approved then ANZ will link my existing card (at the existing limit) account to my Breakfree package. (N.B. Only complete if a credit
limit increase is required)
If you are making a joint application for ANZ Breakfree, you are requesting that your credit card account upgrade and/or credit limit
increase application be assessed based on the joint financial situation of all applicants. By choosing to apply for this credit card account
upgrade and/or credit limit increase application:
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 19 of 36
2.4 ANZ HOME LOAN APPLICATION
BREAKFREE PACKAGE (P3 OF 3)
• each applicant agrees it is their intention for the credit card debt to be paid out of the joint income of the applicants; and
• the person applying for the credit card account upgrade and/or credit limit increase acknowledges that, despite the above
arrangement, he/she will remain legally responsible for the credit card account as the sole debtor.
I confirm that my financial situation has not changed in the last three months and I can continue to afford the repayments on my
existing ANZ credit card account.
To assist me in my decision to upgrade my existing ANZ Credit Card, I have read ANZ’s information sheet called “Key Facts About Our
Credit Cards”. I would like to apply to upgrade my existing credit card account (specified below):
Account Holder Visa/Mastercard Card Number
I want to upgrade to:
ANZ Rewards Cards+
ANZ Frequent Flyer Cards +#
Low Rate Cards
Low Annual Fee Cards
ANZ Rewards Platinum
ANZ Rewards Black
ANZ Rewards Travel Adventures
Our other Rewards option, ANZ Rewards,
is not available under the ANZ Breakfree
Package.
ANZ Frequent Flyer Platinum
ANZ Frequent Flyer Black
Our other Frequent Flyer option, ANZ
Frequent Flyer, is not available under the
ANZ Breakfree Package.
ANZ Low Rate
ANZ Platinum
Our other low annual fee option, ANZ
First, is not available under the ANZ
Breakfree Package.
Remember, the annual account fee is waived on one eligible ANZ credit card while it is held under the ANZ Breakfree Package. You should consider this if you are
intending to keep the card as your nominated card under the ANZ Breakfree package.
+ An annual Rewards Program Services Fee of $55 (including GST) applies per cardholder for an ANZ Frequent Flyer or ANZ Rewards account. This fee is subject to change.
# You must be a member of the Qantas Frequent Flyer program to earn and redeem Qantas Points with your ANZ Frequent Flyer account. A joining fee may apply.
Please call Qantas on 13 11 31 if you are not a member.
If you are applying for a new ANZ Rewards Black or ANZ Frequent Flyer Black account, or are upgrading your existing account to an
ANZ Rewards Black or ANZ Frequent Flyer Black account, you may wish to be considered for the equivalent ANZ platinum product
if you don’t meet the ANZ Rewards Black or ANZ Frequent Flyer Black account’s credit and product requirements. Do you consent to
being considered for, and if approved, issued the equivalent ANZ platinum account in these circumstances? Yes No
Note: By completing this Breakfree Application form, you acknowledge that your credit card is subject to the ANZ Credit Card Conditions of Use.
By selecting Option 3:
• You request ANZ to close your nominated existing card account, open the nominated new card account and nominate your new card account as
your eligible card account under the Breakfree Package.
• You request ANZ to transfer the balance and any payment agreement/s to the new card selected as the eligible credit card under the Breakfree Package
• You understand your existing card account will be closed within 14 days after ANZ’s receipt of this application, or on activation of your new card(s),
whichever is sooner. You will not receive a final statement on your existing account.
• Your new card(s) will have a new number and it is your responsibility to re-direct any automatic payments from your existing card account to your new
card account
Customers wishing to transfer from an ANZ Visa PAYCARD, ANZ Rewards Visa PAYCARD, or ANZ Everyday Visa Debit account are unable to use option 3
of this form as these accounts are not eligible. A new eligible account can be opened if option 1 is completed.
Any ANZ CreditCover Insurance Policy applicable to your existing card account will apply to your new credit card account.
Additional Cardholders Only complete if you wish to include an additional cardholder for your Nominated Credit Card Account (any existing additional
cardholders will be automatically transferred to your new 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.
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 20 of 36
2.5 ANZ HOME LOAN APPLICATION
PERSONAL STATEMENT OF FINANCIAL POSITION
NAME(S)
ASSETS
Present value
ANZ account(s) Total
$
$
$
Other financial institution account(s) Total Other Cash Assets (Bonds) Shares $
Property Assets (list Address & Value)
$
$
$
Total Property Assets
$
$
No.
$
$
Contribution paid to deposit on property Total Number of Motor Vehicles Total Value of Motor Vehicles Superannuation Total Other Assets (eg insured value of contents
and valuables, boat etc) – please specify
Total
$
$
Total assets (1) INCOME (AVERAGE MONTHLY)
Base salary Gross (p.a) Net (p.m.)
Income earner 1
$
$
$
$
Income earner 2 Other income
Regular overtime
$
$
$
$
$
$
Government benefits/ pension Part–time/ casual employment Dividends/ Interest Bonus Commission Gross (p.m)
Rent received* $ x75%* $
*do not show rental property expenses as separate expense items
Other – please specify
$
$
$
Total net monthly income (3) DATE
LIABILITIES
Limit(s) Current outstanding
ANZ Home Loan
$
$
$
$
$
$
$
$
$
ANZ Investment Loan
ANZ Overdraft
ANZ Personal Loan
OFI Home Loan
OFI Investment Loan
OFI Overdraft
OFI Personal Loan
Credit / Store Cards
Other liabilities Due
Outstanding taxation $
Other – please specify
$
$
$
$
$
$
Total liabilities
Total assets
Less Total liabilities
Net assets
(2)
(1)
(2)
(=1–2)
ALL AREAS MUST BE COMPLETED BY CUSTOMER / PLEASE PHOTOCOPY FOR ADDITIONAL APPLICANTS
SEPARATE STATEMENT OF FINANCIAL POSITION TO BE COMPLETED BY EACH APPLICANT UNLESS MARRIED OR DE FACTO
Non-continuing liability Non-continuing liability
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 21 of 36
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 Total Credit Commitments (A) Living Expenses
Childcare $
Childcare including nannies.
Clothing & Personal Care $
Clothing, footwear, cosmetics,
personal care.
Education $
Public and private education fees and
associated costs including books and
uniforms, etc.
Groceries $
Typical supermarket shop for groceries
including food and toiletries.
Medical & Health $
Medical and health costs including doctor,
dental, optical and pharmaceutical etc.
(excluding health insurance which is
categorised under insurance).
Insurance $
All insurance including health, home and
contents, motor vehicle, life and income
protection.
Owner Occupied Property Related Costs $
Housing and property expenses including
rates, utilities, taxes, levies, body corporate
and strata fees, repairs and maintenance
and other household items.
Recreation & Entertainment $
Recreation and entertainment including
alcohol, tobacco, gambling, restaurants,
membership fees, pet care, holidays
Telephone, Internet, Pay TV & Media
Streaming Subscriptions $
Telephone accounts (home and mobile),
internet, pay TV and media streaming
subscriptions (such as Netflix and Spotify
Transport $
Public transport, motor vehicle running
costs including fuel, servicing, parking and
tolls (excluding motor vehicle insurance
which is categorised under insurance).
Total Living Expense (B) $
2.5 ANZ HOME LOAN APPLICATION
PERSONAL STATEMENT OF FINANCIAL POSITION
Other Commitments
Child Maintenance $
Other $
Unique items not covered in above
categories (must be explained further).
Total Other Commitments (C) $
Rent/Board (D)
$
$
Total net monthly expenditure (=A+B+C+D)
Total net monthly income
less Total monthly expenditure
(3)
(4)
$
$
$
Uncommitted monthly income (=3–4) Please provide further commentary on customer declared expenses
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 22 of 36
The Guarantor Checklist must be fully completed and submitted with the appropriate Loan Application.
A separate Guarantor’s Checklist is required for each Guarantor.
Date of Interview
ANZ Approved Originator
Loan Facility/ies to be Guaranteed
Guarantor’s Full Name Guarantor’s Occupation
Customer’s Full Name Application Number (if known)
Provide details of Guarantor’s photo ID:
Driver’s License Number State of Issue Date of Birth
or
Passport Number Country of Issue Date of Birth
SECTION 1: INTERVIEW Confirm
1. The interview is being conducted face to face
All attempts should be made for this interview to be conducted face to face with the intending Guarantor, to ensure that they are not under the
influence of the Borrower to provide the Guarantee.
For wealthy and sophisticated Guarantors, in exceptional circumstances, (for example, due to proximity of the customer from ANZ representation),
consideration may given to conducting the interview over the phone. The submitting point will be required to:
• justify the circumstances preventing a face to face interview
• confirm that they have positively identified the intending Guarantor
• confirm that the Guarantor meets the definition of being wealthy and sophisticated
• confirm they have no reason to suspect that the Guarantor is under the influence of the Borrower
• confirm that the Guarantor can understand English.
2. Please confirm the Guarantor is the only person present at the interview other than yourself. No Borrowers or
Co-Guarantors can be present
3. Please advise the Guarantor that it is strongly recommended that they seek independent legal and/or financial advice before
entering into the Guarantee.
SECTION 2: GUARANTOR’S OPINION
1. (Ask the Guarantor) Are you under any pressure to give this Guarantee (e.g. are you afraid someone will do something, or refuse to
do something, if you do not sign this Guarantee)?
Yes No
If the answer is YES, then the Guarantee cannot be taken. Terminate the interview and the Guarantee CANNOT be taken.
SECTION 3: GUARANTOR’S ELIGIBILITY
1. Is there any reason to suspect the Guarantor is:
• under pressure to give this Guarantee?
• subject to any misrepresentation as to why the Guarantee is needed?
• subject to any unreasonable or unfair conduct by anyone involved in this transaction?
• having difficulty understanding their obligations as Guarantor (eg. under the influence of alcohol, impaired mental capacity,
poor English etc.)?
Yes No
Yes No
Yes No
Yes No
2. Is the Guarantee to be executed under power of attorney on behalf of an individual?
Yes No
3. Is the Guarantor a minor (less than 18 years old)?
Yes No
If the answer to any question in Section 3 above is YES, the Guarantee CANNOT be taken.
2.6 ANZ HOME LOAN APPLICATION
GUARANTOR’S ASSESSMENT CHECKLIST (P1 OF 3)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 23 of 36
2.6 ANZ HOME LOAN APPLICATION
GUARANTOR’S ASSESSMENT CHECKLIST (P2 OF 3)
1. (Ask the Guarantor) Do you understand that should the Borrower be unable to meet the commitments of the loan or fails to meet
those commitments for any reason, you may be required to pay the guaranteed amount?
Yes No
If NO, Guarantee cannot be taken.
Is the Guarantor in a spousal/de facto relationship with the Borrower and a joint statement of position has been obtained?
If YES, skip questions 2 & 3 below.
If NO, answer questions 2 & 3 below.
Yes No
2. (Ask the Guarantor) If you were required to repay the guaranteed amount, would you need to sell the family home, to meet
this commitment.
Yes No
If YES, Guarantee cannot be taken.
3. (Ask the Guarantor) if you had to loan money to repay the guaranteed amount would you be in a position to meet the loan
repayments from your income in addition to your reasonable living expenses?
Yes No
If NO, Guarantee cannot be taken.
SECTION 6: SERVICING GUARANTEE
1. Have you confirmed that the Guarantor is in a spousal/de facto relationship with the Borrower OR
Have you confirmed that the Guarantor is a parent/step parent of the Borrower, and is wealthy and sophisticated
Yes No
2. (Ask the Guarantor) Do you understand that throughout the term of the proposed loan you are expected to make repayments for
the Borrower, and are you willing to do this.
Yes No
3. (Ask the Guarantor) Do you understand that the Borrower is relying on payments from you to meet repayments for the proposed
loan, and that the Borrower’s other independent income will not be sufficient to service the loan repayments?
Yes No
4. (If the Guarantor is a parent/step parent) have you confirmed that by making funds available to the Borrower to meet loan
repayments there is some benefit for the Guarantor or the family (i.e., enabling the Borrower to leave the family home and/or
assisting in making the Borrower more financially independent, etc…).
Yes No
If the answer to any question in section 6 is NO, the Guarantee cannot be taken.
SECTION 7: GUARANTOR UNDERSTANDING
Describe the relationship of the Guarantor to the Borrower:
1. Does anything about the nature of the relationship between the Guarantor and the Borrower give you reason to believe that the
Guarantor may be under the Borrower’s influence to provide the Guarantee?
Yes No
If YES, then the Guarantor must obtain independent legal OR financial advice (refer section 8).
2. Do you know what a Guarantee is and do you understand what your obligations will be as a Guarantor?
Yes No
SECTION 5: SECURITY GUARANTEE
SECTION 4: TYPE OF GUARANTEE (Tick relevant box and complete required sections)
Security Guarantee (complete section 5,7,8 & if required 9)
Servicing Guarantee (complete section 6,7,8 & if required 9)
Security and Servicing Guarantee (complete all sections)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 24 of 36
2.6 ANZ HOME LOAN APPLICATION
GUARANTOR’S ASSESSMENT CHECKLIST (P3 OF 3)
3. Is there any reason to suspect that the Guarantor will not understand the effect of the Guarantee because of
language difficulties / literacy?
Yes No
4. (If the interview is conducted face to face ask the Guarantor) Can you read (out loud) the following sentence back to me.
“I can read and speak English and understand what the Bank is asking of me”.
Yes No
If the Guarantor’s response to question 2 in section 7 is NO, or if there is any indication that the Guarantor does not understand that they are obliged to repay
the loan if the Borrower cannot, then the Guarantor must seek independent legal or financial advice.
If the answer to question 3 in section 7 is YES, or if the Guarantor cannot read the paragraph at question 4 in section 7, then it is mandatory that the Guarantor
obtains independent advice, from a legal or financial professional who speaks the Guarantor’s language and the signing of the Guarantee is witnessed by the
person providing the advice.
SECTION 8: COMPLETE ONLY IF INDEPENDENT ADVICE IS REQUIRED.
If independent advice is required, please nominate type of advice.
Legal Advice
Financial Advice
SECTION 9: (COMPLETE ONCE THE GUARANTOR HAS COMPLETED THE INTERVIEW) Confirm
A. Complete a Statement of Financial Position (SP) for the Guarantor (if a ‘Servicing Guarantee’ or a ‘Servicing & Security
Guarantee’ only)
Note: If a spousal /de facto relationship exists between the Borrower and Guarantor, an individual SP for the Borrower and/or a
joint SP for the Borrower and Guarantor can be taken, subject to confirmation of paragraph B below.
Note, for Spousal Guarantees only: Where a joint SP is taken for a Borrower and Guarantor that are in a spousal relationship,
agreement has been obtained from both the Borrower and the Guarantor to the completion of the joint SP and each party has
consented to the disclosure of his/her financial information to the other party.
B. Verify the Guarantor’s income as per ANZ policy for Borrowers (if a ‘Servicing Guarantee’ or a ‘Servicing & Security Guarantee’ only)
C. Obtain the Guarantor’s signed Declaration (Applicant and Guarantor Declaration).
D. Advise the Guarantor that this information will now be used by ANZ as part of the final assessment of the loan application.
E. Advise the Guarantor that if this assessment by ANZ is successful, they will receive their Guarantee documents shortly.
F. Advise the Guarantor that if they wish to withdraw from this transaction before the funds are drawn, then they need to advise ANZ
as soon as possible.
G. Advise the Guarantor that they must complete the applicable Customer Identification Process (CIP) at an ANZ Branch,
if they have not done so already (ANZ cannot settle the loan until this requirement is met).
ADDITIONAL COMMENTS
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 25 of 36
FOR FAMILY GUARANTEES ONLY: GUARANTOR SELF DECLARATION NOT REQUIRED FOR SPOUSAL GUARANTEES OR WHERE THE
BORROWER AND GUARANTOR HAVE SHARED OWNERSHIP OF THE PROPERTY
GUARANTOR SELF DECLARATION
I
declare my relationship with the borrowe
is
named .
I understand that by providing a guarantee I may have to pay amounts owed by the borrower/s to ANZ.
I have told the ANZ representative or the broker that I will have sufficient income/financial resources to meet my obligations under the guarantee if
called upon, but am aware that if I cannot pay these amounts this may result in the forced sale of property that I own.
I understand that providing a guarantee may impact my ability to borrow in the future.
I will be provided with documentation, including final details of the proposed lending, to consider before deciding whether to provide this guarantee.
I understand that there are risks involved in providing a guarantee and ANZ recommends that I obtain independent legal and financial advice.
Signed Date
A COPY MAY BE PROVIDED TO THE GUARANTOR
2.6 ANZ HOME LOAN APPLICATION
GUARANTOR SELF DECLARATION
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 26 of 36
COMPANY DETAILS
Company Name Company Type
Pty Ltd / Partnership / Trust / Sole Proprietor / Other:
Business Type ACN/ABN Business Phone Business Fax
Trading Address
Brief description of business Year commenced trading
Has business diversified? Who are the shareholders/ beneficiaries?
No Yes if yes, when?
Number of legal entities in group
Number of legal entities with ANZ
Period of time with your current bank?
Bank Branch
Does your business currently: If Yes or Intend to, please give details
Operate as a franchise?
Import/ export?
Invest in property?
No Yes intend to
No Yes intend to
No Yes intend to
FINANCIAL PERFORMANCE SUMMARY
Business trading results (last 2 years)
Year ended
Turnover
$
$
$
$
$
$
$
$
$
$
$
$
Other income Depreciation Interest/ Lease Tax expense Net profit after tax Other Loan details (if insufficient space, please attach additional notes)
Are other new ANZ business loans/ limits required? (include loans to be refinanced by ANZ) Loan Term Loan/ Limit
Loan/ Limit purpose (working capital, investment, expansion, other) months and/ or years amount requested
1.
2.
3.
$
$
$
$
$
$
$
Total other new ANZ Business loans/ limits required Is 100% funding required for Term Loans? Please give details.
No Yes
Existing Non–ANZ business loan/ limit details (exclude loans to be refinanced by ANZ, but include all other existing non–ANZ business loan/ limits)
Please summarise any non–ANZ personal consumer loans/ limits held by proprietors/ directors/ guarantors (exclude credit cards)
Please ensure the Guarantor’s Checklist is completed and sent with the application
Name
Owned
Position
1.
%
2.
%
3.
%
4.
%
5.
%
Does your business do more than 25% of its business with one
customer or supplier? Please give details.
No Yes
Does your business have any taxation outstanding? Please give details.
No Yes
Is the principal place of business subject to lease agreement?
Please give details.
No Yes
Borrower(s) Name(s)
Loan Type
Rate
Fixed Rate?
Remaining Term
Finance provider
Loan/ limit amount
1.
%
No / Yes
$
2.
%
No / Yes
$
3.
%
No / Yes
$
Loan/ Limit purpose
Rate
Fixed Rate?
Remaining Term
Finance provider
Loan/ limit amount
1.
%
No / Yes
$
2.
%
No / Yes
$
3.
%
No / Yes
$
2.7 ANZ HOME LOAN APPLICATION
BUSINESS ENTITY APPLICATION FORM
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 27 of 36
COMPLETED AND SIGNED AUTHORITY FORM TO BE SUBMITTED
WITH A LOCK RATE LOAN APPLICATION.
APPLICATION DETAILS (PLEASE COMPLETE ALL FIELDS BELOW)
Applicant Name/s
Application Number (if available)
Broker Name
AO/SAO
Fixed term:
1 Year
4 Years
2 Years
5 Years
3 Years
Loan Amount ($)(excluding any LMI premium amounts)
(maximum amount $1M)
Lock Rate fee ($)
*** ONE FORM PER FIXED RATE LOAN PRODUCT ***
LOCK RATE FEE PAYMENT
I/We authorise ANZ to debit the Lock Rate fee stipulated above from the
credit card or ANZ transaction account nominated below.
Notes:
• Payment of the Lock Rate Fee by credit card may incur additional charges;
• If there are insufficient funds available in the nominated ANZ transaction
account, fees and charges may apply. If your credit card transaction is
unsuccessful, your application for Lock Rate will not be processed by ANZ.
CREDIT CARD (ACCOUNT HOLDER TO SIGN)
Visa
Card number
Mastercard
Expiry Date
Full Cardholder Name
Cardholder Signature
ANZ TRANSACTION ACCOUNT
ANZ Access Advantage ANZ One ANZ Equity Manager
Account BSB Account Number
Account Name/s
Account Holder/s Signature: Account Holder/s Signature:
(To be signed by all account holders) (To be signed by all account holders)
7 5 0 . 0 0
2.8 ANZ HOME LOAN APPLICATION
LOCK RATE REQUEST AND FEE PAYMENT AUTHORISATION
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 28 of 36
Please complete the following section if you are opening i) a Breakfree package with a new Credit Card; and/or ii) an Equity Manager Account.
Tax regulations require ANZ and its Controlled Entities (“ANZ”) to collect a Self-Certification that includes your tax residence(s). ANZ may be required to provide
your information to relevant tax authorities (including where you do not provide a valid Self- Certification).
Automatic Exchange of Information may include the Foreign Account Tax Compliance Act (FATCA), and the Common Reporting Standard (CRS).
Before you begin:
(a) Complete this Self-Certification: If you are an Individual Account Holder, Sole Trader or Sole Proprietor. For joint or multiple Account Holders each Individual
Account Holder must complete a separate Self-Certification.
(b) Refer to the Australian specific terms/information at www.anz.com/aeoi
(c) Obtain tax/legal/other professional advice (if required) before you complete this Self-Certification and sign Section 3
SECTION 1: ACCOUNT HOLDER DETAILS
1.1 Full Name
First or Given Name(s) Surname
1.2 Residence Address (Do not provide a PO Box or in-care-of Address)
Address Line 1 Province/State/County
Address Line 2 Postal Code/Zip Code
City/Town Country
1.3 Date of Birth
(DD/MM/YYYY)
SECTION 2: ACCOUNT HOLDER TAX RESIDENCE(S)
(Please note, US Citizens are considered to be Tax Residents of the US).
2.1 I confirm:
a) I am only Tax Resident in Australia OR
b) I have included below all countries in which I am Tax Resident (other than Australia).
Country of Tax Residence
(Do not include Australia)
Tax payer identification number (TIN)
(or country equivalent)
Reason Code
(if TIN not provided)
Explanation
(only if Reason code is “Z”)
Reason codes:
A – TIN Not Issued (The Country does not issue TINs) B – TIN Not Required (The Country does not require collection of a TIN)
C – TIN Applied For (I have applied for a TIN and will inform you upon receipt) Z – TIN Unobtainable (I am unable to obtain a TIN) Please provide explanation.
SECTION 3: DECLARATIONS AND SIGNATURE
I certify that:
1. I am the Account Holder and/or authorised to sign/disclose for the Account
Holder.
2. I have consulted an independent advisor where necessary and acknowledge
that ANZ has not provided any advice.
3. I will notify ANZ of changes to any information (including TIN changes)
within 30 days of the change occurring and, where required, will provide
ANZ with a new Self-Certification.
4. I have attached all relevant documents (eg. Power of Attorney).
5. I have provided true, correct and complete information.
6. I will provide ANZ with any additional information and/or documentation as
requested.
7. I understand that provision of false, inaccurate or incomplete information
may constitute an offence(s) and penalties may apply.
Signature Name Date
Office Use Only
(Please print first and last name) (DD/MM/YYYY)
2.9 ANZ HOME LOAN APPLICATION
INDIVIDUAL SELF-CERTIFICATION
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 29 of 36
2.10 ANZ HOME LOAN APPLICATION
ENTITY SELF-CERTIFICATION
Please complete the following section if you are opening i) a Breakfree package with a
new Credit Card; and/or ii) an Equity Manager Account
Before you begin:
Tax regulations require ANZ and its Controlled Entities (“ANZ”) to collect an Entity/
Controlling Person(s) Self-Certification that establishes the Entity’s status and
includes tax residence(s). ANZ may be required to provide information to relevant tax
authorities (including where a valid Self-Certification(s) is not provided). Automatic
Exchange of Information (AEOI) may include the Foreign Account Tax Compliance Act
(FATCA) and the Common Reporting Standard (CRS).
(a) Complete this Self-Certification: If you are an Entity (including all Other NonIndividual)
Account Holder. For joint or multiple Account Holders each Entity must complete a
separate Self-Certification.
(b) Refer to the Australian specific terms/information obtainable from
www.anz.com/aeoi.
(c) Obtain tax/legal/other professional advice (if required) before you complete this
Self-Certification and sign Section 4.
SECTION 1. ENTITY ACCOUNT HOLDER DETAILS: IF THIS ENTITY IS NOT THE ACCOUNT HOLDER, PLEASE ENSURE THIS SELF-CERTIFICATION IS
COMPLETED BY THE ACCOUNT HOLDER
1.1 Name of Entity Account Holder
1.2 Primary Nature of Business
1.3 Country of incorporation, organisation or establishment
1.4 Registered Office Address
(Alternatively, your Principal Place of Business or Other Physical Address. Do not provide a PO Box Address)
Street Address
City/Town
Post Code
Country
Province/State SECTION 2. ENTITY ACCOUNT HOLDER TYPE: PLEASE COMPLETE THE ENTITY STATUS AS ONE OF THE FOLLOWING: NON-FINANCIAL ENTITY
(NFE), EXEMPT ENTITY, OR FINANCIAL INSTITUTION (FI). BY DOING SO, I CERTIFY THE ENTITY ACCOUNT HOLDER MEETS THE QUALIFYING
CONDITION(S) FOR EACH STATUS CLAIMED
Non-Financial Entity Please check one applicable option
across (a) OR (b) and go to Section 3: Exempt Entity If the qualifying conditions are met, please check below and go to Section 4: one box
(a) Active NFE:
Active NFE (by income/assets):
During the preceding calendar year or other appropriate reporting period, the Entity:
1. Derived less than 50% of its gross income from passive sources; AND
2. Held less than 50% of assets that produced or were held for production of
passive income.
Holding Company or Treasury Centre
(that is a member of a non-financial group)
Start-Up Company
Entity in Liquidation or Bankruptcy
Tax Exempt Non-Profit Organisation
Publicly Traded NFE
A Corporation that is not an FI, AND the stock of which is regularly traded on an
Established Stock Exchange
Related Entity of Publicly Traded NFE.
Provide the name of the Related Publicly Traded NFE:
Central Bank
Government Entity
International Organisation
Entity wholly owned by a Central Bank, Government Entity or International
Organisation
(b) Passive NFE:
Passive NFE
Complete 2.11 Annexure A Passive NFE/Other Relevant Entity Type – Controlling Persons Certification and the rest of this Self-Certification.
If the Entity meets a FATCA status/Exemption not provided for on this Self-Certification, provide the relevant form W.
Financial Institution Please complete the Entity’s CRS FI Status AND FATCA FI or Foreign FI (FFI) status below and go
to Section 4:
CRS status
Depository/Custodial Institution or Specified Insurance Company
Investment Entity – Other
Managed Investment Entity
If not tax resident in a Participating CRS country:
• complete 2.11 Annexure A Passive NFE/Other Relevant Entity Type – Controlling
Persons Certification and
• the rest of this Self-Certification including Section 3
FATC
GIIN not
available:
Pension/Retirement/Super Fund (meets FATCA exemption requirements)
Non-Reporting IGA FFI Non-Participating FFI United States FI Territory FI Owner Documented FFI (Provide Form W-8)
Other FI/Certified Deemed Compliant FFI – provide FATCA Status:
A status
GIIN provision:
Reporting Model 1 FFI Reporting Model 2 FFI Registered Deemed Compliant FFI Participating FFI
Trustee Documented Trust Sponsored FFI
The Entity GIIN is: or: GIIN has been ‘applied for’
OR
OR
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 30 of 36
2.10 ANZ HOME LOAN APPLICATION
ENTITY SELF-CERTIFICATION
SECTION 3. ENTITY ACCOUNT HOLDER TAX RESIDENCE(S): IF THE THIRD CHECK BOX BELOW IS SELECTED, ALSO COMPLETE
INFORMATION IN THE TABLE;
Please check one applicable option below:
the Entity is only Tax Resident in Australia
the Entity has no residency for tax purposes and its place of effective management or jurisdiction in which its principal/registered office is located is
I have included below all countries in which the Entity is Tax Resident (other than Australia)
Country of Tax Residence
(Do not include Australia)
Tax payer identification number (TIN)
(or country equivalent)
Reason Code
(if TIN not provided)
Explanation
(only if Reason code is “Z”)
For United States Country of Tax Residence only, provide your ‘Exemption from FATCA Reporting Code’ as per IRS
Form W-9 (if applicable)
Exemption from FATCA
Reporting Code:
Reason Codes: (if TIN not provided) A TIN Not Issued (The Country does not issue TINs.)
B TIN Not Required (The Country does not require collection of a TIN)
Z TIN Unobtainable (I am unable to obtain a TIN)
C TIN Applied For (I have applied for a TIN and will inform you upon receipt)
SECTION 4. ENTITY ACCOUNT HOLDER DECLARATION AND SIGNATURE: I CERTIFY THAT:
1. I am authorised to sign for the Account Holder/Controlling Person(s).
2. I have provided true, correct and complete information.
3. I have consulted an independent advisor where necessary and acknowledge that ANZ
does not provide any advice.
4. I understand that provision of false, inaccurate or incomplete information may constitute
an offence(s) and penalties may apply.
5. I have obtained the necessary consent and authorisation to allow disclosure and use
of the information provided in this Self-Certification (including Annexure A to this Self
Certification).
6. I will notify ANZ of changes to any information within 30 days of the change occurring
and, where required, will provide ANZ with a new Self-Certification.
7. I will provide ANZ with any additional information and/or documentation as requested.
8. I have provided/will provide the applicable documents (eg. Power of Attorney / Form W).
Signature Print name Date
(Please also provide documentary evidence of the capacity to sign)
Office Use Only
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 31 of 36
If there are more than three Controlling Persons, provide additional copies of this page as required. The total Number of Pages provided for Annexure A is:
Office Use Only
SECTION 1. PASSIVE NFE/OTHER RELEVANT ENTITY:
Name of Entity Account Holder
Indicate the total number of Controlling Persons
for the Account Holder (detailed in full below)
1.1 CONTROLLING PERSON DETAILS:
a) Full Name of Controlling Person
b) Date of Birth (DD/MM/YYYY)
c) Full Residence Address Country
d) Tax Residency Information: (Please check appropriate box and complete the table)
This Controlling Person is only Tax Resident in Australia OR I have included below all countries in which the Controlling Person is Tax Resident (other than Australia)
Please note, US Citizens are considered to be Tax Residents of the US.
Country of Tax Residence
(Do not include Australia)
Tax payer identification number (TIN)
(or country equivalent)
Reason Code
(if TIN not provided)
Explanation
(only if Reason code is “Z”)
1.2 CONTROLLING PERSON DETAILS:
a) Full Name of Controlling Person
b) Date of Birth (DD/MM/YYYY)
c) Full Residence Address Country
d) Tax Residency Information: (Please check appropriate box and complete the table)
This Controlling Person is only Tax Resident in Australia OR I have included below all countries in which the Controlling Person is Tax Resident (other than Australia)
Please note, US Citizens are considered to be Tax Residents of the US.
Country of Tax Residence
(Do not include Australia)
Tax payer identification number (TIN)
(or country equivalent)
Reason Code
(if TIN not provided)
Explanation
(only if Reason code is “Z”)
1.3 CONTROLLING PERSON DETAILS:
a) Full Name of Controlling Person
b) Date of Birth (DD/MM/YYYY)
c) Full Residence Address Country
d) Tax Residency Information: (Please check appropriate box and complete the table)
This Controlling Person is only Tax Resident in Australia OR I have included below all countries in which the Controlling Person is Tax Resident (other than Australia)
Please note, US Citizens are considered to be Tax Residents of the US.
Country of Tax Residence
(Do not include Australia)
Tax payer identification number (TIN)
(or country equivalent)
Reason Code
(if TIN not provided)
Explanation
(only if Reason code is “Z”)
Reason Codes:
A TIN Not Issued (The Country does not issue TINs.)
B TIN Not Required (The Country does not require collection of a TIN)
C TIN Applied For (The Controlling Person has applied for a TIN and
we will inform you upon receipt)
Z TIN Unobtainable (The Controlling Person is unable to obtain a TIN)
2.11 ANZ HOME LOAN APPLICATION ANNEXURE A
PASSIVE NFE/OTHER RELEVANT ENTITY TYPE
– CONTROLLING PERSONS CERTIFICATION
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 32 of 36
SECTION 2. ENTITY ACCOUNT HOLDER DECLARATION AND SIGNATURE: I CERTIFY THAT:
1. I am authorised to sign for the Account Holder/Controlling Person(s).
2. I have provided true, correct and complete information.
3. I have consulted an independent advisor where necessary and acknowledge that ANZ
does not provide any advice.
4. I understand that provision of false, inaccurate or incomplete information may constitute
an offence(s) and penalties may apply.
5. I have obtained the necessary consent and authorisation to allow disclosure and use
of the information provided in this Self-Certification (including Annexure A to this Self
Certification).
6. An authorised representative of the Account Holder/Controlling Person will notify ANZ of
changes to any information within 30 days of the change occurring and, where required,
will provide ANZ with a new Self-Certification.
7. I will provide ANZ with any additional information and/or documentation as requested.
8. I have provided/will provide the applicable documents (eg. Power of Attorney / Form W).
Signature Print name Date
(Please also provide documentary evidence of the capacity to sign)
2.11 ANZ HOME LOAN APPLICATION ANNEXURE A
PASSIVE NFE/OTHER RELEVANT ENTITY TYPE
– CONTROLLING PERSONS CERTIFICATION
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 33 of 36
3 ANZ HOME LOAN APPLICATION
APPLICANT/GUARANTOR DECLARATION (P1 OF 4)
APPLICANT/GUARANTOR DECLARATION
In the following Declaration ANZ is Australia and New Zealand Banking Group Limited ABN 11 005 357 522 Australia Credit Licence Number 234527 and each of its
related companies (incl subsidiaries). Throughout the Declaration, Qantas is Qantas Airways Limited ABN 16 009 661 901.
Collection of your information
ANZ is collecting your personal information to enable it to assess this application and for the purposes described in the product terms and conditions. Without
this information ANZ may not be able to consider or approve your application.
ANZ may also collect your personal information from a credit reporting body for the purposes of assessing your application.
Where you are a prospective guarantor, ANZ is collecting your personal information to enable it to assess you as a guarantor for an application for credit. You also
agree that ANZ may collect information about your credit history from a credit reporting body to assist us in assessing whether to accept you as a guarantor.
Disclosure of your information
You agree that ANZ may disclose your personal information (which may include information about your credit history obtained from a credit reporting body) to:
• any person who introduces you to ANZ, including the ANZ Approved
Originator submitting this Loan Application to ANZ;
• any agent, contractor or service provider ANZ engages to carry out or
assist its functions and activities;
• an organisation that assists ANZ to identify, prevent or investigate any
fraud, unlawful activity or misconduct (or suspected fraud, unlawful
activity or misconduct);
• your employer;
• another credit provider to assess a credit application made by you (to
ANZ or the other credit provider) or to investigate suspected fraud on
your account (held with ANZ or the other credit provider);
• valuation service providers for the purpose of them obtaining a
property valuation as required by ANZ and who may combine your
property information with other information in their databases to
improve their services;
• your referee;
• your joint borrower(s) or account holder(s);
• any related entity of ANZ;
• a guarantor or intending guarantor, to enable that person to consider
whether or not to act your guarantor; and
• any person who has offered, or is considering whether to offer,
property as security for your credit product.
ANZ may disclose information to recipients (including service providers and related entities) which are (1) located outside Australia and/or (2) not established
in or do not carry on business in Australia. You can find details about the location of these recipients in ANZ’s Privacy Policy and at www.anz.com/privacy.
Promotion of other products or services
ANZ may use your personal information to help ANZ promote its products or services or those of its related entities or organisations that are in a product or
marketing alliance with ANZ (alliance partners). ANZ may also disclose your personal information to its related entities or alliance partners to enable them or
ANZ to tell you about a product or service.
Where you do not want ANZ to tell you about its products and services or those of its related entities or alliance partners, you may call 13 13 14 at any time to
withdraw your consent.
Approved Originator
ANZ may also disclose any information about your credit arrangement (including your current loan balance) to the Approved Originator or their nominated
representative, its officers and any successor for the purposes of furthering your application; enabling the 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 including post settlement activities.
Qantas (Breakfree Customers only)
ANZ may disclose your information to Qantas and Qantas may, in accordance with the Qantas Frequent Flyer terms and conditions, disclose your personal
information to any service provider Qantas engages to carry out or assist its functions and activities, use your information to plan, research, market and
promote its products and services or those of its related companies and may disclose your personal information to ANZ’s alliance partners to enable them or
Qantas to market their products or services.
Credit Reporting
ANZ may also disclose your information, including information about your other credit liabilities, repayments and defaults, to credit reporting bodies
Information about credit reporting, including: the name and contact details of these credit reporting bodies; when ANZ may disclose your information to
them to include in a report about your credit worthiness; and how you can request credit reporting bodies not use your information in certain circumstances,
is available at www.anz.com/privacy. For a hard copy of this information, please call 13 13 14 or visit any ANZ branch for a copy of ANZ’s Privacy Policy.
Privacy Policy
ANZ’s Privacy Policy (www. anz.com/privacy) also contains information about:
• any laws that require or authorise ANZ to collect certain information from you;
• the circumstances in which ANZ may collect your information from other sources (including from a third party);
• how to access your information and seek correction of your information; and
• how you can raise concerns that ANZ has breached the Privacy Act or an applicable Code and how ANZ will deal with these matters
Further information
Your product terms and conditions booklet and our ANZ Privacy Policy contain further information about our handling of the information we collect during
the course of your relationship with ANZ.
If you have provided information about someone else, please show them a copy of this clause so that they may understand how ANZ may use and disclose
their information.
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 34 of 36
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)
Print address of nominated party
Description of Credit (loan type and amount)
to receive notices and other documents under the National Credit Code on behalf of me/all of us.
BREAKFREE PACKAGE TERMS AND CONDITIONS
I/we consent /authorise and acknowledge the following:
• Nomination of Mandatory Accounts
Note: Each applicant under the ANZ Breakfree Package must be an account holder (either jointly or alone) for at least one of the Nominated Accounts. Refer to the
ANZ Breakfree Terms and Conditions for full details.
• As specified in Section 1B, 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.
• Unused Points
I/We understand any unused Reward Points must be used within 60 days of the date of closure. Remaining unused Reward Points will be cancelled after that period.
Any unused Qantas Frequent Flyer points will automatically be credited to my/our Qantas Frequent Flyer account unless I/we have not provided ANZ with my/our
Qantas Frequent Flyer number. ANZ must receive my/our Qantas Frequent Flyer membership number within 60 days after the date of closure, or any Points in the
Points Record as at that date will be cancelled and may not be credited to a Qantas Frequent Flyer program account.
LOCK RATE TERMS AND CONDITIONS
I/We apply to ANZ for an ANZ Lock Rate Facility so that the fixed interest rate for the loan term listed can be locked in. I/We confirm that all information on the lock rate
request and fee payment authorisation form is true, correct and complete, and I/we understand and agree that:
• The interest rate will only be locked once ANZ has received payment of the Lock Rate fee (i.e. this request and the Lock Rate fee have been successfully processed
by ANZ);
• The Lock Rate will only apply for 90 days from the receipt of payment of the Lock Rate fee;
• The interest rate that is locked may differ from the rate that applies at the time this Lock Rate application is signed;
• In relation to the Lock Rate fee:
– If the interest rate decreases after the rate has been locked, a refund of the Lock Rate fee is not available should the lower rate be requested;
– If there are any changes requested to the loan terms after the loan application is lodged with ANZ e.g. loan amount, loan term or fixed rate period and the rate
has already been locked, the Lock Rate and the Lock Rate fee will be forfeited and a further Lock Rate fee will be payable;
– The Lock Rate fee will not be refunded if the lock rate period expires and the loan has not been drawn;
– The Lock Rate fee will be refunded if the loan application is declined by ANZ;
– The Lock Rate fee will be forfeited if I/we withdraw the loan application
• The Lock Rate will only apply if the loan amount is drawn in one amount (Lock Rate does not apply to loans which are to be progressively drawn down);
• Bank fees and government fees (if applicable) cannot be capitalised to the loan;
• Acceptance of this request by ANZ does not constitute approval of my/our loan application.
3 ANZ HOME LOAN APPLICATION
APPLICANT/GUARANTOR DECLARATION (P2 OF 4)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 35 of 36
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 consent /authorise and acknowledge the following:
APPLICATION INFORMATION AND STATEMENT OF FINANCIAL POSITION
• Confirm that the information contained in, and accompanying, the Loan Application (including all information submitted online and any information contained in
the Personal Statement of Financial Position) and all the information provided by me/us to the ANZ Approved Originator, is true, correct and complete and given in
support of this application and that any documents provided containing financial information are true copies of the final signed versions of the original documents.
• I/We declare that the information contained in all applicants’ Personal Statement of Financial Position submitted in this Application is true and correct.
LOAN INTERVIEW
• I/We acknowledge that the information set out in the ‘BROKER INTERVIEW GUIDE FOR REGULATED LENDING SECURED BY RESIDENTIAL PROPERTY’ accurately and
fairly reflects the conversation I/we have had with the broker.
PERSONAL/EMPLOYMENT DETAILS:
• ANZ to confirm the details contained in my/our Loan Application with my/our accountant, financial adviser or employer. A copy of this acknowledgment page
may be give 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.
REPRESENTATION/WARRANTY
• I/We have not relied upon any representation or warranty made by the ANZ Approved Originator named on page 1 before submitting this loan application.
• That an Approved Originator is not an agent and acts independently of ANZ. If I/we require any information regarding the loan product which is the subject of this
Loan Application or any other loan products of ANZ then I/we can contact ANZ directly.
NOMINATION FOR CORRESPONDENCE AND SUPPORTING LOAN DOCUMENTATION
• 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.
• Supporting loan documentation may be sent/received via intermediary online submission, Online Document Submission in the Broker Portal, electronic mail or via fax.
Please tick this box and sign below if you wish to consent to ANZ communicating with you via email or by sending you a link to access information. This means that
paper documents may no longer be sent to you. You may withdraw your consent at any time and should regularly check electronic communications for notices.
Password for eDocuments Customer Email Address
To meet ANZ Security Standards passwords must be: 8 Digits, at least 1 capital and lower case alphabetic character, at least 1 number and 1 non-alphabetic
character (12Av45j!).
3 ANZ HOME LOAN APPLICATION
APPLICANT/GUARANTOR DECLARATION (P3 OF 4)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Page 36 of 36
Applicant/Guarantor Co-applicant/Guarantor
Print Name Print Name
Signature Date Signature Date
Co-applicant/Guarantor Co-applicant/Guarantor
Print Name Print Name
Signature Date Signature Date
ACKNOWLEDGEMENT BY BROKER
I (Broker) acknowledge that I have asked all the above questions and notified the applicant(s)
of the risks associated with their selected loan features, including the risks identified above. I confirm I have not provided the applicant(s) with tax or
financial advice.
Witness Signature (ANZ Approved Originator) I confirm the information contained within this application is true and correct.
Signature Date
3 ANZ HOME LOAN APPLICATION
APPLICANT/GUARANTOR DECLARATION (P4 OF 4)
Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527. Item No. 92375 11.2018 W603205

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