Westpac. Loans. Personal. Loans

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1 Westpac Loans Personal Loans As at 7 September 2014

2 Need money for a wedding, home improvements, to go on a holiday or even a new car to get there? Or do you simply want to consolidate your bills to have one easy repayment? If you re over 18 you could get a personal loan to pay for what you want or need now and then take up to five years to pay us back.

3 Contents 04 Is a personal loan right for you? 05 Can you get a loan? 06 How does it work? 07 What does it cost? 08 Do you want to insure your loan? 09 Start your application now 3

4 Is a personal loan right for you? A personal loan pays for the things you need today and you have up to five years to pay us back. You can use it to upgrade a car, buy things for your home, take a long awaited trip or simplify your finances by consolidating your debts. A great way to tidy up your debts Pay off your debts with a personal loan from Westpac. You could save on interest and wipe out the hassle of trying to keep track of a whole lot of repayments for debts such as store cards or things you ve bought on hire purchase any other personal loans credit cards balances things you ve bought interest-free, that are going to roll onto a high interest rate. Get a great deal on a car Before you buy your car come and talk to us. We can tell you how much you can borrow before you buy. This could help you get a better deal on your car because you ll have the bargaining power of a cash buyer. Recently graduated? Congrats! We understand that starting out in your career can place extra demands on your finances. To help make this transition easier to manage, you may be able to get a personal loan at a special interest rate to help you keep your costs down. 4

5 Can you get a loan? You might be able to get a personal loan if you: are over 18 and have a regular income can afford to pay about 25 a month for every 1,000 you borrow over five years have permanent residency status and live in New Zealand. Other lending criteria also applies, so please talk with us to find out more. How much can you afford? Here s a chart to help you work out what your loan repayments would be each fortnight, based on how much you borrow and how long you borrow it for (up to five years). Just find the amount you d like to borrow then look across the row to see how much the fortnightly repayments might be for the term you need to repay your loan. If you need Your fortnightly payments will be (based on how long your loan is for at 16.5% p.a.) 1 year 2 years 3 years 4 years 5 years 2, , , , , ,000 1, ,000 1, ,000 2,021 1, This chart is only an estimate so you can see what your loan repayments might be. It is not a quote. It is based on a table loan with an interest rate of 16.5% p.a. Interest rates can change without notice, so this may not be the rate that would apply to your loan. 5

6 How does it work? Arranging your loan is easy Just tell us how much you d like and what the loan is for. We ll then work out how much you can borrow based on what your income is and what you can afford to pay back. Once your loan is approved we can put the money straight into your Westpac account or arrange payment of your existing debts for you. We ll help simplify your finances We ll help you set up a loan that suits you best and you ll only need to make one repayment every fortnight or month to suit your paydays. Your loan repayments will automatically come out of your nominated account, making it easier for you to budget. 6

7 What does it cost? There s an establishment charge of 250, which you can add to your loan balance. You ll also pay interest, which is added to your loan. The interest is based on a floating rate, which means it will go up and down as market interest rates change so you ll always pay a competitive rate. There are no other fees or charges, providing you make all your agreed repayments on time. Pay your loan off faster and save money With a Westpac personal loan there is absolutely no additional cost if you increase your regular repayments, pay off extra, or even pay your loan back early. So if you get extra money, such as a bonus from work, you might consider paying it into your personal loan. 7

8 Do you want to insure your loan? You can insure your loan with Westpac Loan Cover. This could help pay your loan if you lose your income because you re made redundant, or can t work because you re totally disabled by sickness or injury. Or, help pay off your loan for family in the event of your death. What does the cover pay? Your cover could pay a lump sum up to 50,000 if you die loan payments up to 1,200 a month if you lose your income. It s easy to get cover You ll qualify for cover automatically if you re between 18 and 59 when you apply, and if your loan will end by the time you turn 61. There are no medical forms to fill in, but some things are not covered, such as illnesses you already have. Please ask us for a copy of the policy document which sets out the terms, conditions, limits and exclusions. You only pay it once The cost is a one-off payment that s added to your loan, so you don t have to find extra money each payday for the insurance. 8

9 Start your application now To start your application simply fill in the application form at the back of this brochure, then come in and see us, or call us on Please provide the following information to help us speed up your application. Verification of your identity please refer to Westpac s list of acceptable documentation available at Proof of income Only required if your pay doesn t go directly into a Westpac account. One of the following: a recent bank statement showing your last three consecutive income deposits to your account, or payslips confirming your annual income or at least your last three consecutive payslips, or a current original signed letter from your employer confirming income details and term of employment. If you re refinancing existing debts your bank and/or finance company original statements showing repayments made during the last three months. For new to Westpac customers only verification of address: a power or phone bill showing your name and address banking history: any credit card or bank statements in your name for the last three months. If you do not have any of the above options available to you or you would like to know more, come and talk to us in-branch or call

10 Would you like to apply? It s easy to apply for your loan. Simply complete the application form at the back of this brochure (see next page for more information), and either - Call us on , or - Visit your nearest Westpac branch, or - Apply online at 10

11 Personal Loan application If you have any questions or need help completing this, please call Once completed, please take this together with proof of your employment and income details, address details, and proof of identity to your nearest Westpac branch. A: Loan amount How much would you like to apply for? What are you planning to do with the money from your personal loan? B: Your personal details (Applicant 1) Mr Mrs Ms Miss Other (please specify) Given name(s) Surname Preferred name Date of birth day / month / year Home address NUMBER & STREET SUBURB town/city Phone number: home 0- mobile How long have you lived at your current address? years months Please tick the one which best describes your living arrangements: Own my/our own home Pay rent Pay board Live with parents/guardians If you ve lived at your current address for less than six months, what was your previous address? NUMBER & Street SUBURB town/city Number of years at your previous address Postal address (if different from above) NUMBER & STREET/BOX NUMBER SUBURB town/city POSTCODE Are you a permanent resident of New Zealand? Yes No Please give details of 2 people in New Zealand, either nearest living relatives or friends not living with you. Name Home address NUMBER & STREET SUBURB town/city Phone number: home 0- mobile Name Home address NUMBER & STREET SUBURB town/city Phone number: home 0- mobile C: Joint applicant s personal details (Applicant 2) Mr Mrs Ms Miss Other (please specify) Given name(s) Relationship with principal/joint applicant Surname Preferred name Date of birth day / month / year Home address NUMBER & STREET SUBURB town/city Phone number: home 0- mobile How long have you lived at your current address? years months Please tick the one which best describes your living arrangements: Own my/our own home Pay rent Pay board Live with parents/guardians If you ve lived at your current address for less than six months, what was your previous address? NUMBER & Street SUBURB town/city Number of years at your previous address Postal address (if different from above) NUMBER & STREET/BOX NUMBER SUBURB town/city POSTCODE Are you a permanent resident of New Zealand? Yes No D: Financial details (Applicant 1) What is your yearly income before tax? a year What is your yearly income before tax from other sources (eg. investments)? a year How much are your home loan, board or rent payments? a month If you own your own home, how much do you pay for rates and insurance? a month If you have other loans, eg. car, hire purchase or personal loans, how much are your payments? a month How many dependents do you have responsibility for? If applicable, how much do you pay for child support/maintenance? a month E: Joint applicant s financial details (Applicant 2) What is your yearly income before tax? a year What is your yearly income before tax from other sources (eg. investments)? a year How much are your home loan, board or rent payments? a month If you own your own home, how much do you pay for rates and insurance? a month If you have other loans, eg. car, hire purchase or personal loans, how much are your payments? a month How many dependents do you have responsibility for? If applicable, how much do you pay for child support/maintenance? a month Westpac New Zealand Limited 72905WP

12 F: Your employment details (Applicant 1) What is your occupation? are you self-employed? Yes No Your employer s name or name of your company What kind of employment are you in? Full time Part time Seasonal Casual Other Work phone number 0- How long have you been employed there, or how long have you been self-employed? years months If you have been in this job for less than six months, what was your previous occupation? How long were you in this job? years months G: Joint applicant s employment details (Applicant 2) What is your occupation? are you self-employed? Yes No Your employer s name or name of your company What kind of employment are you in? Full time Part time Seasonal Casual Other Work phone number 0- How long have you been employed there, or how long have you been self-employed? years months If you have been in this job for less than six months, what was your previous occupation? How long were you in this job? years months H: Assets and liabilities summary Assets Total land & buildings Location if different from home address Total deposits Total shares or stocks Net investments in businesses Life insurance/superannuation total surrender value Vehicles/machinery/boats etc Household contents/furniture total insured value Other assets total Liabilities Overdraft(s) with bank/branch with bank/branch Total secured loans Other loans name of lender name of lender Hire purchase/leases name of lender name of lender Store/credit cards name of store/card company limit name of store/card company limit Other finance name of finance company limit Other debts and details total Do you have any contingent liabilities (guarantees you have given etc)? Yes No If yes, please give details I: Confirmation of identity We are required by law to verify the identity of customers. You and/or any joint applicants need to provide identification issued in the name(s) of the applicant(s). Please refer to Westpac s list of acceptable documentation available at J: Acknowledgement I/We understand that I/we certify that all information supplied in this application is true, correct and complete in every respect and understand that if it is not true, correct and complete, this application may be declined I/we authorise Westpac to make all necessary enquiries (now or throughout the life of any account issued as a consequence of this application) concerning my/our credit record, residence, employment, financial status, or any information provided by me/us in this application for purposes related to provision of credit to me/us, from whatever source Westpac considers appropriate, including any credit reporting agency that Westpac has a subscriber agreement with (currently Baycorp Advantage) and I/we authorise any party approached to provide such information to Westpac I/we authorise Westpac to disclose my/our relevant personal information (including default information) to such credit reporting agencies and I/we also understand that such credit reporting agencies will use the information provided to them by Westpac, to update their credit reporting database and may disclose any information that they hold on me/us to their own customers Westpac may also use the credit reporting agency s monitoring service to receive updates, if any, of the information it holds about me/us I/we authorise Westpac to disclose my/our relevant personal information (including default information) to any person Westpac may appoint to collect any outstanding debt I/we agree to be bound by any conditions set out in this application in addition to any other conditions which may be imposed by Westpac I/we have the right to access and correct my/our personal information held by Westpac subject to the provisions of the Privacy Act 1993 I/we authorise Westpac and its related companies to use all information that they hold about me/us now or in the future to make available to me/ us the full range of financial services offered by them I/we confirm that I/we have the permission of the person named in Section B of this application to disclose their personal details. Your signature applicant (1) Date day / month / year Signature of joint applicant (2) Date day / month / year Westpac use only Branch name Staff member name

13 The information in this brochure is current as at 7 September 2014 and may vary from time to time. All applications for finance are subject to Westpac s current lending criteria. Terms, conditions, exclusions and limits apply to Westpac Loan Cover. More detail can be found in the policy document. The availability of any insurance is subject to the acceptance and approval of a complete application. Westpac Loan Cover is arranged by Westpac New Zealand Limited and underwritten by Westpac Life-NZ-Limited, a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited which is a wholly owned subsidiary of Westpac Banking Corporation ABN , incorporated in Australia. Westpac Life-NZ-Limited complies with the Practice Standards of the Investment Savings and Insurance Association of NZ Inc. Neither Westpac Banking Corporation, Westpac New Zealand Limited, nor any other member of the Westpac Group guarantees the obligations of Westpac Life-NZ-Limited. You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge. Westpac New Zealand Limited WP

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