CIVMB T3-3 Creditproposal v2

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Fact Find

Fact Find

© Reproduced with permission. © Reproduced with permission.

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WARNING

WARNING

This material has been reproduced and communicated to This material has been reproduced and communicated to youyou by or on behalf of Kaplan Professional pursuant to Part V

by or on behalf of Kaplan Professional pursuant to Part V B of theB of the Copyright Act 1968 (the Act). The material in this communication Copyright Act 1968 (the Act). The material in this communication may be subject to copyright under the Act. Any further reproduction may be subject to copyright under the Act. Any further reproduction

or communication of this material by you may be the subject of or communication of this material by you may be the subject of

copyright protection under the Act. copyright protection under the Act.

Do not remove this notice

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Client

Client Name Name DateDate

What motivated you to contact XYZ? What motivated you to contact XYZ?

How did you hear about XYZ? How did you hear about XYZ?

If

If Purchase Purchase If If Re-FinanceRe-Finance

Max

Max Price Price of of Property Property Estimated Estimated Value Value of of PropertyProperty $

$ How

How much much do do you you wish wish to to borrow borrow Current Current Loan Loan AmountAmount $

$

Address

Address of of Property Property (if (if known) known) Current Current LenderLender

First

First Home Home Buyer Buyer Address Address of of PropertyProperty

Deposit

Deposit Available Available Proposed Proposed new new loan loan amountamount $

$ $$

Estimated

Estimated Settlement Settlement Date Date Estimated Estimated Settlement Settlement DateDate

Other

Other relevant relevant detail detail Other Other relevant relevant detaildetail

YES/NO YES/NO Do you have an Accountant who is capable of assisting in this transaction?

Do you have an Accountant who is capable of assisting in this transaction? Do you have a Solicitor who is capable of assisting in this transaction? Do you have a Solicitor who is capable of assisting in this transaction?

CREDIT QUESTIONS

CREDIT QUESTIONS

Applicant

Applicant 1 1 Applicant Applicant 22 Have you been declared bankrupt or made arrangements with creditors?

Have you been declared bankrupt or made arrangements with creditors? Have you failed to keep up your payments on any credit cards, home loans etc? Have you failed to keep up your payments on any credit cards, home loans etc? Have you failed to maintain your bill payments – electricity, phone etc.?

Have you failed to maintain your bill payments – electricity, phone etc.? Have you been charged or convicted of a criminal offence in the last 5 years? Have you been charged or convicted of a criminal offence in the last 5 years?

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APPLIC

APPLIC

ANT DET

ANT DET

AILS

AILS

Applicant

Applicant one one Applicant Applicant twotwo

First Name/s First Name/s Surname Surname Date of Birth Date of Birth

Number & Age of Dependants Number & Age of Dependants Relationship to other Applicant Relationship to other Applicant Home Phone Home Phone Work Phone Work Phone Mobile Mobile Email Email Current Address Current Address

Current Residential Status Current Residential Status

Time At Current Address (months) Time At Current Address (months) Previous Residential Address Previous Residential Address Previous Residential status Previous Residential status Time at that Residence Time at that Residence Mother’s Maiden Name Mother’s Maiden Name

Nearest relative not living with you Nearest relative not living with you (include name, address, phone, (include name, address, phone, relationship) relationship) Employment status Employment status Occupation Occupation

Time in current employment Time in current employment Employer

Employer

Address of Employer Address of Employer

Phone number of Employer Phone number of Employer

Previous Employer Details (if current Previous Employer Details (if current employer < 3 years)

employer < 3 years) Occupation

Occupation

Time in previous employment Time in previous employment

Phone number of Previous Employer Phone number of Previous Employer Basic Salary (excludes super)

Basic Salary (excludes super)

Extra (overtime/bonus/commission) Extra (overtime/bonus/commission) Other(pensions, rental, investment, Other(pensions, rental, investment, benefits, other)

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PERSONAL OBJECTIVES

PERSONAL OBJECTIVES

What are your financial goals/plans for What are your financial goals/plans for the next 12 months?

the next 12 months?

What are your financials goals/plans for What are your financials goals/plans for the next 5 years?

the next 5 years?

What are your financial goals/plans for What are your financial goals/plans for the next 10 years?

the next 10 years?

FINANCIAL POSITION

FINANCIAL POSITION

ASSETS

ASSETS

Item

Item Description Description Income Income Value Value OwnerOwner Savings account balance

Savings account balance Other account balances Other account balances Current Property 1 Current Property 1 Current Property 2 Current Property 2 Current Property 3 Current Property 3 Motor Vehicle 1 Motor Vehicle 1 Motor Vehicle 2 Motor Vehicle 2 Home Contents Home Contents Shares / Investments Shares / Investments Super Super Other Other

LIABILITIES

LIABILITIES

Item

Item Lender Lender detail detail RepaymentsRepayments BalanceBalance Owing

Owing BorrowerBorrower Rent (paid) Rent (paid) Home Loan 1 Home Loan 1 Home Loan 2 Home Loan 2 Home Loan 3 Home Loan 3 Motor Vehicle 1 Motor Vehicle 1 Motor Vehicle 2 Motor Vehicle 2 Other Loan 1 Other Loan 1 Other Loan 2 Other Loan 2 Credit Card 1 Credit Card 1 Credit Card 2 Credit Card 2 Credit Card 3 Credit Card 3

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HOUSEHOLD EXPENDITURE

HOUSEHOLD EXPENDITURE

FIXED EXPENSES

FIXED EXPENSES

Item

Item Weekly Weekly Monthly Monthly Quarterly Quarterly AnnuallyAnnually Insurance – Car, house etc.

Insurance – Car, house etc. Charitable Contributions Charitable Contributions Childcare

Childcare

Car – Registration, petrol etc. Car – Registration, petrol etc. Groceries Groceries Utilities Utilities Medical Medical Entertainment Entertainment Other – Other – Total Total

REQUIREMENTS AND OBJECTIVES

REQUIREMENTS AND OBJECTIVES

Please select the loan type, your

Please select the loan type, your repayment preferences and features that meet your requirements for thisrepayment preferences and features that meet your requirements for this loan

loan

LOAN TYPE

LOAN TYPE

Preferred

Preferred Loan Loan type type Variable Variable Rate Rate Fixed Fixed Rate Rate Line Line of of CreditCredit Why is this loan type

Why is this loan type required/preferred? required/preferred?

REPAYMENTS

REPAYMENTS

Repayment

Repayment cycle cycle Weekly Weekly Fortnightly Fortnightly MonthlyMonthly Why is this repayment cycle

Why is this repayment cycle required/preferred?

required/preferred? Repayment

Repayment type type Principal Principal & & Interest Interest Interest Interest Only Only Interest Interest in in AdvanceAdvance Why is this repayment type

Why is this repayment type required/preferred?

required/preferred?

LOAN FEATURES

LOAN FEATURES

Feature

Feature Important Important Not Not importantimportant Ability to make extra repayments

Ability to make extra repayments Offset Account

Offset Account

Ability to Redraw funds Ability to Redraw funds Branch Network

Branch Network Internet Banking Internet Banking

Bank Account/s with same institution Bank Account/s with same institution Other – please describe

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SIGNIFICANT CHANGES IN THE FUTURE

SIGNIFICANT CHANGES IN THE FUTURE

Do you know of any foreseeable significant changes to your circumstances that will lead to changes in your Do you know of any foreseeable significant changes to your circumstances that will lead to changes in your ability to make contracted repayments? Provide details.

ability to make contracted repayments? Provide details.

Applicant

Applicant One One (yes/no) (yes/no) Applicant Applicant Two Two (yes/no)(yes/no) Temporary change in income

Temporary change in income Permanent change in income Permanent change in income Anticipated large expenditure Anticipated large expenditure How will this change be overcome? How will this change be overcome?

Is there anything else that may reasonably be expected to

Is there anything else that may reasonably be expected to have a bearing on your applicatiohave a bearing on your application for credit,n for credit, knowing that if you leave such information out it may create problems in the future?

knowing that if you leave such information out it may create problems in the future? Please specify:Please specify:

Are you comfortable with your ability to make repayments under the proposed loan without difficulty? Are you comfortable with your ability to make repayments under the proposed loan without difficulty? Please specify:

Please specify:

Is there anything else that we

Is there anything else that we should be aware of?should be aware of?

INSURANCE QUESTIONS

INSURANCE QUESTIONS

As part of the mortgage process The Selector Group will conduct a review on your current insurances. As part of the mortgage process The Selector Group will conduct a review on your current insurances.

 I/We confirm that I/We are happy to have mI/We confirm that I/We are happy to have my/our insurance reviewed.y/our insurance reviewed.

 I/We confirm that I/We have been offered thI/We confirm that I/We have been offered the opportunity to have my/our ine opportunity to have my/our insurance reviewed howeversurance reviewed however I/We have declined to do this.

I/We have declined to do this.

 I/We understand that I/We may not havI/We understand that I/We may not have the appropriate cover should Ie the appropriate cover should I/We suffer from an/We suffer from an unexpected/adverse event.

unexpected/adverse event.

Have you had a personal insurance proposal or renewal declined or Have you had a personal insurance proposal or renewal declined or special terms imposed?

special terms imposed?

Do you smoke? Do you smoke?

Are there any matters which could affect the Insurers

Are there any matters which could affect the Insurers decision todecision to accept an insurance risk policy?

accept an insurance risk policy?

Details: Details:

Have you made any claims in the last 5

Have you made any claims in the last 5 years?years?

Details: Details:

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LIFESTYLE QUESTIONS

LIFESTYLE QUESTIONS

Are you interested in exploring other investment strategies? Are you interested in exploring other investment strategies? T

Tax minimisation is an ax minimisation is an essential part of essential part of a good financial plan.a good financial plan. Are you interested in exploring further?

Are you interested in exploring further? Do you have a Will?

Do you have a Will?

Are you confident that your dependents can maintain their standard of living should anything Are you confident that your dependents can maintain their standard of living should anything happen to you?

happen to you?

If you were to become temporarily disabled tomorrow, are you confident that your existing cash If you were to become temporarily disabled tomorrow, are you confident that your existing cash reserves are adequate to allow you to get back on track?

reserves are adequate to allow you to get back on track?

Will the retirement strategy you have in place deliver the retirement

Will the retirement strategy you have in place deliver the retirement lifestyle you expect?lifestyle you expect?

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN

SECURED UPON IT

SECURED UPON IT

I/We confirm that personal & confidential information provided by me/us can be disclosed by Mortgage I/We confirm that personal & confidential information provided by me/us can be disclosed by Mortgage Selector to arrange a mortgage on my/our behalf and that I/we have read this document before signing. Selector to arrange a mortgage on my/our behalf and that I/we have read this document before signing. The information contained in this document is true and correct.

The information contained in this document is true and correct.

 I/We confirm I/We would like to receive ongoing eI/We confirm I/We would like to receive ongoing email updates from The Selector Group Cmail updates from The Selector Group Companiesompanies

 I/We confirm I/We would like to receive updateI/We confirm I/We would like to receive updates & documentation via email e.g.: Product information,s & documentation via email e.g.: Product information, Lender forms & approval

Lender forms & approval

Signature of borrower 1 Signature of borrower 1

Name of borrower 1 (print) Name of borrower 1 (print)

Signature of borrower 2 Signature of borrower 2

Name of borrower 2 (print) Name of borrower 2 (print)

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PRIVACY DISCLOSURE STATEMENT AND CONSENT

PRIVACY DISCLOSURE STATEMENT AND CONSENT

Originator Mortgages is collecting personal information about you.

Originator Mortgages is collecting personal information about you. This notice is to inform you of yourThis notice is to inform you of your rights under the Privacy Act.

rights under the Privacy Act.

The information you provide will be held by

The information you provide will be held by Originator Mortgages.Originator Mortgages. You can gain access to the information we hold about you

You can gain access to the information we hold about you by contacting us at [address] and/or [phoneby contacting us at [address] and/or [phone number].

number].

We may use the personal information you provide for the purposes of arranging or providing credit and for We may use the personal information you provide for the purposes of arranging or providing credit and for direct marketing of products and other services offered by Originator Mortgages or an organisation we are direct marketing of products and other services offered by Originator Mortgages or an organisation we are affiliated with or represent.

affiliated with or represent. You have the right to request not to receive dYou have the right to request not to receive direct marketing material.irect marketing material.

We may disclose personal information to any industry body, tribunal, court or otherwise in connection with We may disclose personal information to any industry body, tribunal, court or otherwise in connection with any complaint regarding the approval or management of your loan — for

any complaint regarding the approval or management of your loan — for example if a complaint is lodgedexample if a complaint is lodged about us or the lender.

about us or the lender.

We may disclose personal information about you as required by law, or to any organisation involved with We may disclose personal information about you as required by law, or to any organisation involved with providing credit to you, or any other associates or c

providing credit to you, or any other associates or c ontractors of Originator Mortgages, including, forontractors of Originator Mortgages, including, for example, statement printing houses, mail houses, lawyers, accountants, or people co

example, statement printing houses, mail houses, lawyers, accountants, or people co nsidering acquiring ornsidering acquiring or taking an interest in our business or our assets.

taking an interest in our business or our assets.

If you do not provide your personal information we may be unable to assist in arranging a loan. If you do not provide your personal information we may be unable to assist in arranging a loan.

You agree that Originator Mortgages may collect and use your personal information as specified above. You agree that Originator Mortgages may collect and use your personal information as specified above.

Signature Signature

Signature Signature

Date Date

Figure

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References

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