Fact Find
Fact Find
© Reproduced with permission. © Reproduced with permission.
COPYRIGHT
COPYRIGHT
COMMONWEALTH OF AUSTRALIA
COMMONWEALTH OF AUSTRALIA
Copyright Regulations 1969
Copyright Regulations 1969
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
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?
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)
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
ItemItem 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
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
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:
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)
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