Westpac Credit Cards. Credit cards
|
|
- Homer Harris
- 8 years ago
- Views:
Transcription
1 Westpac Credit Cards Credit cards As at 9 February 2015
2 You can buy the things you need now and pay off your card in a flexible way later.
3 Contents 4 What do you get with a Westpac credit card? 6 Which card is right for you? 8 Enjoy the rewards of hotpoints 10 Have a closer look at what s available 12 Exclusive privileges 13 Take away the worry 14 How to apply 3
4 What do you get with a Westpac credit card? Here are just some of the benefits of having a Westpac credit card get up to 55 days interest-free credit on purchases opportunity to earn hotpoints with every dollar you spend* receive a MasterCard which provides you with the convenience of acceptance at over 35 million merchants worldwide, plus global ATM cash access contactless technology for fast and convenient payments (of under $80) on the go with MasterCard PayPass enjoy the option of making easy, flexible repayments manage all your Westpac accounts online you can choose to have your MasterCard linked to access your credit, cheque and savings accounts friendly staff, available to help. There s loads more too, just turn the page to find out. Handy Tip Once you have opened a Westpac credit card account, you ll need to select a Personal Identification Number (PIN) for your card by visiting a Westpac branch and providing two forms of suitable ID, one with photo and signature (e.g. your New Zealand driver licence or passport). * Not available with the Low Rate MasterCard. 4
5 5
6 Which card is right for you? Westpac offers a range of credit card options. Whether you re after a low interest rate, rewards or overseas travel insurance, we have something for you. All our cards offer up to 55 days interest-free credit on purchases, along with competitive fees and interest rates. Westpac hotpoints MasterCard The Westpac hotpoints MasterCard gives you value and flexibility. It offers our lowest annual credit card account fee and gives you the benefit of earning hotpoints on all your purchases. You can redeem your hotpoints for all kinds of exciting rewards, including a wide range of vouchers and merchandise. To find out more about hotpoints, see page 8. Hotpoints earn rates: You ll earn 1 hotpoint for every $1 you spend on purchases on your hotpoints MasterCard, plus enjoy the convenience of acceptance at over 35 million merchants worldwide. Westpac hotpoints Platinum MasterCard The Westpac hotpoints Platinum MasterCard rewards you with a world of benefits, including a higher hotpoints earn rate, so you can reach your next reward faster. To find out more about hotpoints, see page 8. You ll also receive a comprehensive range of insurance* benefits, including extended warranty and purchase protection insurances and overseas travel insurance making this account ideal for overseas travellers. Hotpoints earn rates: You ll earn 2 hotpoints for every $1 you spend on purchases on your hotpoints Platinum MasterCard, plus enjoy the convenience of acceptance at over 35 million merchants worldwide. * Terms, conditions, exclusions and eligibility criteria apply. Full details can be found in the policy document. 6
7 Low Rate MasterCard With its low everyday interest rate on retail purchases, the Low Rate MasterCard provides a convenient way of keeping the cost of borrowing down when buying large purchases. It s also a smart and easy way to consolidate debt. BusinessPLUS MasterCard If you are a small business owner, then a BusinessPLUS MasterCard can give you the best of both worlds, by helping you mange your business spending as well as earning great hotpoints rewards for you and your business. You ll also receive all the other great benefits offered on a Westpac Platinum credit card account, including a comprehensive range of insurance benefits. Note: The principal and any joint cardholders or account holders will be personally responsible for all credit extended by Westpac under a BusinessPLUS MasterCard. Hotpoints earn rate: Earn 1.25 hotpoints for every $1 you spend on purchases on your BusinessPLUS MasterCard. A quick summary of annual fees For a... Westpac hotpoints MasterCard Westpac hotpoints Platinum MasterCard BusinessPLUS MasterCard Low Rate MasterCard Joint/additional card You pay $44 per year $125 per year ($62.50 charged every 6 mths) $100 per year ($50 charged every 6 mths) $65 per year ($32.50 charged every 6 mths) $15 per year per card Fees are current as at 15 November 2013 but are subject to change. Other fees and charges may apply to the use of your credit card. Please see our transaction and service fees brochure. 7
8 Enjoy the rewards of hotpoints With a Westpac hotpoints credit card, you ll earn hotpoints every time you make a purchase on your Westpac credit card. Use your Westpac hotpoints credit card for everyday expenses such as supermarket shopping, petrol and household bills and your hotpoints will add up quickly. Earning hotpoints is easy Your Westpac hotpoints MasterCard earns you hotpoints and provides you with the convenience of worldwide acceptance at over 35 million merchants. You can use your Westpac hotpoints MasterCard for everyday purchases, cash advances and ATM withdrawals. Use your Westpac MasterCard to earn 1 hotpoint per $1spent on purchases Use your Westpac Platinum MasterCard to earn 2 hotpoints per $1 spent on purchases 8
9 Rewards for travel, your home, your family or treats for yourself Treat yourself to some great merchandise rewards. You can redeem your hotpoints for a huge range of products from DVDs, CDs and books to hardware, home appliances, home entertainment and technology. Go shopping with vouchers! You can choose reward vouchers for a huge range of retailers and travel companies. No other rewards programme provides more ways to use your points for travel than hotpoints. As well as travel and accommodation vouchers, you can pay for travel with your hotpoints credit card and then use your hotpoints to help pay it back later with Hotpoints Holiday Credits. Hotpoints Holiday Credits can be used to help pay back your travel on any airline, accommodation, sightseeing tours, airport transfers and much, much more, both in NZ and around the world. You can also donate your hotpoints to Westpac s chosen charities, gift them to another hotpoints member or convert them into contributions towards a Westpac KiwiSaver Scheme account. Your annual credit card fee can also be paid using hotpoints. Points + Pay If you don t have enough hotpoints to get your next reward, you can use the online Points + Pay. You can use your Westpac hotpoints credit card to top up the extra amount you need to redeem your reward, or alternatively use your hotpoints credit card to pay for the reward in full. Plus you ll earn bonus hotpoints for every dollar you spend with Points + Pay on selected merchandise rewards. Hotpoints are ready when you are When you ve become a Westpac customer, you can sign up to Online Banking, a convenient way to keep track of your banking. Here, you can also check your latest hotpoints balance, sign up to receive text alerts* relating to your accounts and register your address to receive the latest hotpoints and Westpac news via . You can also log in to hotpoints online where you can check out the huge range of rewards available and redeem your points. * Text alerts are only available to customers with a Westpac transaction account. Want to know more about hotpoints? Visit to see the full range of rewards. To open a Westpac hotpoints credit card account or find out more, call us on hours a day, seven days a week. To redeem your hotpoints or check your hotpoints balance log in to hotpoints from your Online Banking or call hotpoints on weekdays from 8.30am to 5pm. 9
10 Have a closer look at what s available Interest-free credit Buy something with any of Westpac s personal credit cards and you ll get up to 55 days interest-free credit on your purchase. If you pay the total card balance by the due date, you won t pay any interest, unless you make a cash advance. This means you can keep your money in an interest earning account right up until you have to pay off your credit card. Choose how much to pay Each month you ll get a detailed credit card statement. It will show the minimum amount you have to pay and by when. Once you have paid the minimum, you can choose how much extra you want to pay. Pay off the lot before the due date and it s interest-free (except for cash advances) or spread your payments to suit your budget. Get a card for someone else Share the benefits of your Westpac credit card with someone else. You can apply for a joint credit card you ll both have a card and share responsibility for the card account. Both applicants will need to be 18 years or older. Or you can apply for an additional card for a family member or friend. The other person must be 15 years or older and any charges they make to the account will be your responsibility to pay. Balance transfers Why pay a high interest rate on a hire purchase, store card or another bank s credit card or personal loan, when you can transfer the outstanding balance to a Westpac credit card account and pay a low interest rate on the balance transferred until it is repaid. To find out how a balance transfer could save you money, either ask one of our branch staff or visit 10
11 Manage your account online You re in control with Online Banking. You can access your Westpac credit card account and do your banking via the Internet, 24 hours a day, 7 days a week. access your credit card account and transaction details look back on all credit card transactions transfer money between your accounts, and pay your credit card bill online. Access all your accounts on your credit card Your Westpac MasterCard can be set up so you can access your Westpac cheque or savings accounts at ATMs and EFTPOS outlets nationwide. Change your limit When you get your card, you ll get a credit limit based on the details you give us. If you need a bit more, just let us know we ll be happy to discuss increasing your limit. We can also decrease your limit at any time. 11
12 Exclusive privileges As Westpac MasterCard cardholder, you ll have access to MasterCard Privileges. MasterCard Privileges is the place to indulge in a broad range of local and global experiences across dining, travel, retail and entertainment. With offers hand picked for MasterCard cardholders, spoil yourself today at 12
13 Take away the worry Optional protection Card Repayment Cover is affordable, pre-approved and provides cover for all cardholders aged between 18 and 80. You don t need a health check and your premium is simply added to your monthly credit card statement. You and any joint cardholders between the ages of are guaranteed acceptance for Card Repayment Cover. Provided you are aged between 18 and 65 years this cover pays: 10% of your credit card account balance each month for up to 24 months after total disability from injury or sickness 10% of your credit card balance each month for up to six months after redundancy up to $10,000 off your credit card balance if you are selfemployed and are declared bankrupt. Between 18 and 80 years of age the life cover benefit pays: up to $50,000 of your credit card balance if you die. The cost is 79c for each $100 of your outstanding monthly balance. This is charged to your credit card each month that you have an outstanding balance and covers everyone aged between 18-80, who has a card on your account. If you would like Card Repayment Cover, just tick the box on your card application - there are no medical questions to answer. The Card Repayment Cover policy comes with a 30 day free look period, so if you decide that the cover is not for you, any premiums paid will be refunded in full. Terms, conditions, exclusions and limits apply. More detailed information can be found in the Card Repayment Cover policy. Call us on to obtain a copy. 13
14 How to apply There are three simple ways to apply for a Westpac credit card apply online at visit us in branch and we can process your application straight away, or complete the application form at the back of this brochure and bring it into any Westpac branch, or post it to us at Private Bag 92503, Wellesley Street, Auckland. We ll need to see some ID (e.g. your driver licence or passport) and proof of income (e.g. payslips). If you don t have these with you when you apply, you can always drop them into us before we activate your card. Ask one of our staff or check our website for what forms of ID are required. Remember to ask about a balance transfer Apply today and you could save with a balance transfer. Simply transfer an existing balance from a hire purchase, store card or another bank s credit card or personal loan to a Westpac credit card, and you ll pay a lower rate than the standard interest rate, on the balance transferred until it s paid off in full. Terms and conditions apply. Just ask one of our branch staff or visit To find out more about our range of credit cards: Visit us online at Ring us on , or Talk to one of our staff in any Westpac branch. 14
15 Credit Card Application How to apply 1) Apply online at westpac.co.nz/credit-cards/apply-now/ This is the fastest way to apply for a card. 2) Complete this form and take it together with identification and proof of income to your nearest Westpac branch, or 3) Complete this form and mail to Westpac, Private Bag 92503, Wellesley Street, Auckland. If you have any questions or need help to complete this form, please call A: Type of Westpac credit card account Please select one card type and one reward programme per application. The Low Rate MasterCard does not include a reward programme. hotpoints Airpoints Westpac PayTag (optional) Westpac Low Rate MasterCard Westpac MasterCard Westpac Platinum MasterCard Westpac World MasterCard Westpac Airpoints Business MasterCard Westpac BusinessPLUS MasterCard If you select, but do not meet Westpac s current lending criteria for a hotpoints or Airpoints Platinum MasterCardard account, a hotpoints or Airpoints MasterCard account will be issued instead (provided you meet the relevant criteria for that card). If you are applying for an Airpoints credit card and already have an Airpoints number, please enter it below. If you are not currently an Airpoints member, we ll arrange an Airpoints membership for you free of charge. Your Airpoints number will be printed on your credit card and all Airpoints Dollars earned will be credited to your Airpoints account. Airpoints Membership Number B: Principal applicant details Title (please tick one) Mr Mrs Miss Ms Dr Other (please specify) Given name(s) FIRST MIDDLE Surname Date of birth DATE / MONTH / YEAR NZ Resident Yes No How would you like your name to appear on your card This must be your given name(s), or initial(s) and surname If you already have a Westpac bank account, please provide the account no. below Home address STREET NO. STREET NAME/BOX NUMBER SUBURB Time at current address YEARS / MONTHS Postal address (if different from home address given above) STREET NO. STREET NAME/BOX NUMBER SUBURB TOWN / CITY Best description of your living arrangements (Please tick one) Home owner Rent Live with parents/guardian Board Home phone ( ) NZ driver s licence number (5a) Identification word Close friend or relative Are you a US citizen?* Yes No Main country of tax residency** Additional country(s) of tax residency (if any) Foreign Tax Identification Number*** (FIN) Version no. (5b) YOU WILL NEED THIS WORD IF YOU CALL US TO DISCUSS YOUR CARD IN THE FUTURE FULL NAME (MUST BE LIVING IN NEW ZEALAND AND NOT LIVING AT THE SAME ADDRESS) Their phone number ( ) THIS IS THE MAIN COUNTRY WHICH HAS THE RIGHT TO TAX YOUR WORLDWIDE INCOME LIST THE ADDITIONAL COUNTRY(S) OF WHICH YOU ARE A TAX RESIDENT YOUR IDENTIFICATION NUMBER FOR TAX PURPOSES IN A PARTICULAR COUNTRY C: Joint/Additional applicant s details Joint application On a joint credit card account, both cardholders are jointly and severally liable for any balance owed on the account. A joint cardholder must be at least 18 years old. Additional cardholder The principal cardholder is liable for all transactions on the credit card account which are made by an additional cardholder as though they had personally made the additional cardholder transactions. An additional cardholder must be at least 16 years of age. There is a $15 charge for each joint and additional card on all cards except the World MasterCard where a $100 charge applies. When a hotpoints World MasterCard is selected there is no charge for the first joint/additional card. Title (please tick one) Mr Mrs Miss Ms Dr Other (please specify) Given name(s) FIRST MIDDLE Surname Date of birth DATE / MONTH / YEAR How would they like their name to appear on their card This must be their given name(s), or initial(s) and surname Westpac PayTag (optional) Home address STREET NO. Contact phone ( ) address For joint applicant only Are you a US citizen?* Yes No STREET NAME/BOX NUMBER SUBURB TOWN / CITY Mobile phone ( ) Work phone ( ) address Main country of tax residency** Additional country(s) of tax residency (if any) Foreign Tax Identification Number*** (FIN) THIS IS THE MAIN COUNTRY WHICH HAS THE RIGHT TO TAX YOUR WORLDWIDE INCOME LIST THE ADDITIONAL COUNTRY(S) OF WHICH YOU ARE A TAX RESIDENT YOUR IDENTIFICATION NUMBER FOR TAX PURPOSES IN A PARTICULAR COUNTRY * You will be a US citizen if you were born in the US or have acquired US citizenship, unless you have formally renounced your US citizenship ** The country listed will determine the tax rate applied to your products. Please contact your tax advisor if you are unsure *** If you are a US citizen or tax resident, the FIN section must be completed with your social security number or individual tax identification number
16 Credit Card Application D: Employment and financial details Occupation of principal applicant INSERT YOUR OCCUPATION HERE Current employer of principal applicant Time in current job years months Principal applicant s annual income from all sources (before tax) is Joint applicant s annual income from all sources (before tax) is $ ANNUALLY $ ANNUALLY If you re applying for a joint credit card account please combine your financial details for the following questions Total savings and investments with Westpac add up to Total savings and investments not with Westpac add up to $ TOTAL $ TOTAL Monthly home loan, rent or board payments $ MONTHLY TOTAL Monthly repayments for any bank loans, other than home loans (e.g. car & personal) add up to Monthly repayments for non-bank loans (e.g. finance companies, student loans or hirepurchase agreements) add up to $ MONTHLY TOTAL $ MONTHLY TOTAL E: Card Repayment Cover This optional insurance can help you pay your credit card balance should you or any cardholder on your account die or experience total disability, redundancy or bankruptcy before age 66. Do you want to be covered by Card Repayment Cover? You will be covered on the terms, conditions and exclusions of the Card Replacement Cover policy wording from the date that this application is received by Westpac. A sample copy of the Card Replacement Cover policy wording is attached. I/we agree to be covered by Card Repayment Cover (please sign:) PRINCIPAL SIGNATURE Yes No Note: You must be aged between 18 and 65 years. DATE / MONTH / YEAR Cost of the insurance is 79 cents a month for each $100 of the outstanding balance on your Westpac credit card statement. If you choose Card Repayment Cover, then each month we will charge your premium to your credit card account. We will let you know if the cost of the insurance changes 30 days beforehand. The premiums are collected on behalf of the underwriter Westpac Life-NZ-Limited. Westpac Life-NZ-Limited has an AA- Insurer Financial Strength rating given by Standard & Poors (Australia) Pty Limited on 6 August The rating scale is: AAA Extremely Strong, AA Very Strong, A Strong, BBB Good, BB Marginal, B Weak, CCC Very Weak, CC Extremely Weak, SD or D Default, R Regulatory Supervision, NR Not Rated. Plus (+) or Minus (-) following ratings from AA to CCC show relative standings within the major rating categories. For a full description of the ratings scale go to standardandpoors.com All credit card limits add up to $ TOTAL F: Acknowledgement I/we certify that all information supplied in this application is true, correct and complete. In applying for this credit card, I/we acknowledge that my/our declared income is correct and sufficient to service the credit limit provided. I/we agree that as soon as I/we sign or use my/our card or use any other payment instrument (such as PayTag if requested), to access my/our account I/we will be deemed to have agreed to be bound by: the Credit Card Conditions of Use for the applicable card; the Air New Zealand Airpoints programme terms and conditions (where applicable); the hotpoint terms and conditions (where applicable); and the Westpac PayTag terms and conditions (where a Westpac PayTag has been requested). I/we acknowledge and agree that: I/we are personally responsible for all credit extended by Westpac to me/us, including credit extended under a BusinessPLUS MasterCard or Airpoints Business MasterCard, irrespective of whether a business name appears on the card; where applicable, I must be a member of Air New Zealand s Airpoints programme to be eligible to earn Airpoints and that I can access the Airpoints terms and conditions at airnewzealand.co.nz/aripoints-terms-and-conditions; for a joint credit card account, a notice Westpac sends to one of us will count as a notice to all of us; fees and charges will apply to the use of the card. Details of fees and charges are provided in the Transaction and Service Fees brochure, which will be sent to me; and the Credit Card Conditions of Use for the applicable card, the Westpac PayTag terms and conditions (where applicable), and the hotpoints terms and conditions (where applicable) will be sent to me. Copies of the Credit Card Conditions of Use for the applicable card, the Westpac PayTag terms and conditions, the hotpoints terms and conditions (which are incorporated in the Credit Card Conditions of Use for the applicable cards) and the Transaction and Service Fees brochure are available at any Westpac branch or online at westpac.co.nz. Personal information I/we consent to and authorise the collection, use and disclosure of my/our personal information by Westpac New Zealand Limited and its related companies (Westpac) in the following ways: Westpac may make all necessary enquiries (now or in the future) concerning my/our credit record, residence, employment, financial status, and any information provided by me/us in this application for the 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, and any party approached may provide such information to Westpac. Westpac may use all the information that they hold about me/us to make available to me/us the full range of financial services provided by Westpac and to provide me/us with details of products and services that may be purchased with the card. Westpac may provide Credit Information (as defined in the Credit Reporting Privacy Code 2004) about me to credit reporting agencies, who will use that information to update their credit reporting database and who may disclose any information they hold about me/us to their own customers for the purpose of providing credit reporting services.
17 Credit Card Application Westpac may disclose my personal information (including default information) to any person Westpac may appoint to collect any outstanding debt. Westpac may use credit reporting agencies monitoring service to receive updates, if any, of the information they hold about me/us. Westpac and its related companies may obtain, use and/or disclose information held about me/us to enable Westpac and its related companies to comply with any laws, rules or regulations in New Zealand or any other country including any laws, rules or regulations reasonably expected to be implemented (including to enable the government of New Zealand to comply with any agreement between it and any other country). Westpac may disclose and exchange any information held about me/us now or in the future to any party associated with a Westpac credit card rewards programme for the purposes of administration of the applicable rewards programme, provision of related services and for marketing and research purposes. I/we confirm that I/we have the permission of the person named as close friend or relative in this application to disclose their personal details. If I/we have indicated that I/we wish to be covered by Card Repayment Cover ( the Cover ), I/we authorise Westpac to disclose all relevant information held about me/us now or in the future to the underwriters of the Cover for purposes of administrating the Cover. I/we understand that I/we have the right to access and correct my/our personal information held by Westpac subject to the provisions of the Privacy Act I/we acknowledge that I/we have read and accepted the disclosures, terms and conditions set out above. G: Signature(s) I/we acknowledge that I/we have read and accepted the disclosures, terms and conditions set out above. I /we also certify that: I/we are New Zealand citizens or have permanent New Zealand residency status and reside in New Zealand. I/we are over 18 years of age (and any additional applicant is over 16 years of age). Please note that you will be required to verify your identity and income as part of the application process or prior to activating your credit card account. All cardholders (principal, joint or additional) are required to verify identification. Suitable forms of ID include one of the following New Zealand drivers licence Current passport New Zealand firearms licence For more details see westpac.co.nz/aml PRINCIPAL SIGNATURE DATE / MONTH / YEAR JOINT / ADDITIONAL SIGNATURE DATE / MONTH / YEAR Credit cards are both a convenient means of payment and a flexible form of borrowing. Although paying only the minimum monthly payment can help you manage your cash flow from time to time, If you make only the minimum payment each month, you will pay more interest and it will take you longer to pay off your balance. Westpac use only Credit Card Account Number Card number Application number X X X X X X X X Card account number CRS number Package type Branch/split code Staff number Bank stamp Courier cost Branch Customer 72273WP FTR stamp Special delivery instructions Card Repayment Cover is 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. Neither Westpac Banking Corporation, Westpac New Zealand Limited ( Westpac ), nor any other member of the Westpac Group guarantees the obligations of, or any products issued by, Westpac Life-NZ-Limited. Westpac employs salaried employees whose remuneration is influenced in the long term by the arrangement of Westpac Life-NZ-Limited insurance policies. Westpac will receive commission payments as a result of the arrangement of Westpac-Life-NZ-Limited policies. hotpoints is a registered trademark of Westpac Banking Corporation. MasterCard is a registered trademark of MasterCard International Incorporated.
18 Westpac s current credit card lending criteria apply to all applications and transfers. Credit card Conditions of Use will apply. The information in this brochure, and the terms, conditions and charges for Westpac credit cards are current and may vary from time to time at Westpac s discretion. Overseas Travel, Purchase Protection and Extended Warranty Insurances are arranged by Westpac and underwritten by AIG Insurance New Zealand Limited ( AIG ). Card Repayment Cover is underwritten by Westpac Life-NZ-Limited, a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited. Westpac Financial Services Group-NZ-Limited is a wholly owned subsidiary of Westpac Banking Corporation ABN , incorporated in Australia. Neither Westpac Banking Corporation, Westpac New Zealand Limited ( Westpac ), nor any other member of the Westpac Group guarantees the obligations of, or any products issued by Westpac Life-NZ-Limited or AIG. Westpac Life-NZ-Limited complies with the practice standards of the investment Savings & Insurance Association of NZ Inc and a copy of its latest financial statements is available from Westpac House, 318 Lambton Quay, Wellington. You have the right to receive a replacement of business advice when changing from one policy to another, Westpac employs salaried employees whose remuneration is influenced in the long term by the arrangement of Westpac Life-NZ-Limited insurance policies. Westpac will receive commission payments as a result of the arrangement of Westpac-Life-NZ-Limited policies. hotpoints is a registered trademark of Westpac Banking Corporation. Hotpoints terms and conditions apply. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated. Westpac New Zealand Limited WP
Westpac Credit Cards. Credit cards
Westpac Credit Cards Credit cards As at 15 November 2013 You can buy the things you need now and pay off your card in a flexible way later. Contents 4 What do you get with a Westpac credit card? 6 Which
More informationCredit Card Application
How to apply 1) Apply online at westpac.co.nz/credit-cards/apply-now/ This is the fastest way to apply for a card. 2) Complete this form and take it together with identification and proof of income to
More informationWestpac. Loans. Personal. Loans
Westpac Loans Personal Loans As at 7 September 2014 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
More informationWestpac Starting out. Student and graduate packages
Westpac Starting out Student and graduate packages Our Student and Graduate Pacs take care of your banking so you can focus on your studies, or your new job and just get on with living life the way you
More informationMates Rates Package. From your friends at Kiwibank.
Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice
More informationMates Rates Package. From your friends at Kiwibank.
Mates Rates Package. From your friends at Kiwibank. Join Kiwibank today and while you re a Mates Rates member, you ll get even better value banking. Check out what you ll get: Everyday Accounts Choice
More informationANZ Bank New Zealand Limited ANZ17881
ANZ Credit Card Conditions of Use Effective 9 December 2015 This document sets out your ANZ Credit Card s terms and conditions In this document we ve explained the terms and conditions applying to your
More informationAND PERSONAL FINANCE. Credit cards Personal loans Overdrafts
CREDIT CARDS AND PERSONAL FINANCE. Credit cards Personal loans Overdrafts We all have different plans in life. Your personal finances, your way. At Bank of Melbourne, our commitment to you starts with
More informationMasterCard and Visa Cards
Westpac Credit Card Conditions of Use MasterCard and Visa Cards These are the conditions of use for your Westpac MasterCard and Visa card accounts. Please read this document carefully and then keep it
More informationBNZ Advantage Credit Card Terms and Conditions.
BNZ Advantage Credit Card Terms and Conditions. 1 May 2015 This document contains the terms and conditions that apply to BNZ Advantage credit card accounts operated by you, including the terms and conditions
More informationA helpful guide for first home buyers. Westpac KiwiSaver Scheme First Home Purchase Withdrawal
A helpful guide for first home buyers. Westpac KiwiSaver Scheme First Home Purchase Withdrawal BT Funds Management (NZ) Limited is the scheme provider and Westpac New Zealand Limited is the distributor
More informationyour guide to your new BOQ Credit Card
your guide to your new BOQ Credit Card Contents A card that you will love 1 Getting started 2 Flexible banking at your fingertips 3 Platinum Visa card 4 Blue Visa card 6 Low Rate Visa card 7 BOQ Rewards
More informationWestpac Credit Card Conditions of Use. MasterCard cards and Visa cards and hotpoints American Express Card(s)
Westpac Credit Card Conditions of Use MasterCard cards and Visa cards and hotpoints American Express Card(s) These are your Westpac credit card conditions of use. Please read these conditions of use and
More informationANZ Credit Cards CONDITIONS OF USE
ANZ Credit Cards CONDITIONS OF USE EFFECTIVE 5 OCTOBER 2015 ANZ Credit Cards Conditions of Use These Conditions of Use (as amended from time to time) govern the use of your ANZ Visa card, ANZ Visa Gold
More informationConditions of Use for Westpac Debit. MasterCard and Westpac Airpoints Debit MasterCard.
Conditions of Use for Westpac Debit MasterCard and Westpac Airpoints Debit MasterCard. As at 26 September 2015 Debit card Conditions of Use These Conditions of Use apply to the Westpac Debit MasterCard
More informationANZ Airpoints Visa WELCOME GUIDE
ANZ Airpoints Visa WELCOME GUIDE Introducing the ANZ Airpoints Visa and the ANZ Airpoints Visa Platinum, the credit cards that reward you with Air New Zealand Airpoints Dollars. The ANZ Airpoints Visa
More informationAltitude Business Gold Visa Card. spend on your business, reward yourself. movers & shakers Proudly supported by Westpac
Altitude Business Gold Visa Card spend on your business, reward yourself movers & shakers Proudly supported by Westpac Welcome to a great way to earn rewards Now that your Altitude Business Gold Credit
More informationBring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme
Bring your Australian super home ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme If you ve worked in Australia at any time since 1992, you may have some Australian super tucked away. You can transfer
More informationMasterCard and Visa Cards
Westpac Credit Card Conditions of Use MasterCard and Visa Cards These are the conditions of use for your Westpac MasterCard and Visa card accounts. Please read this document carefully and then keep it
More informationGet in touch. Personal banking support for your personal economy
Get in touch Visit HSBC s Premier Centre Call 1300 131 605 or +61 2 9005 8114 (overseas), Monday Friday, 8am 8pm (AEST) hsbcpremier.com.au Personal banking support for your personal economy Issued by HSBC
More informationGet the most from a Westpac Debitplus Visa card.
Get the most from a Westpac Debitplus Visa card. Debitplus, it s the easy way to buy things using your own money. Debitplus is the convenient way to buy products and services. You simply use it to access
More informationCOMMBANK CREDIT CARD CONDITIONS OF USE.
COMMBANK CREDIT CARD CONDITIONS OF USE. How you can use your account. For all CommBank Personal Credit Cards and Business Credit Cards. 1 January 2015 CONTENTS Conditions of Use 1 Your contract with us
More informationCredit Cards. Credit Cards. boq.com.au
Credit Cards Credit Cards 1300 55 7 7 boq.com.au Citigroup Pty Limited ABN 88 004 35 080, AFSL 38098, Australian Credit Licence No. 38098 (Citigroup) is the credit provider and issuer of BOQ Credit Cards
More informationAltitude Rewards and Altitude Qantas
Altitude Terms and Conditions Altitude Rewards and Altitude Qantas Effective 9 November 2014 Altitude Rewards 1 Contents Altitude Rewards terms and conditions...4 1. When do these terms and conditions
More informationANZ CashBack. programme guide
ANZ CashBack programme guide CashBack rewards you for purchases you make with your CashBack card. Using your card CashBack Rewards CashBack rewards you for purchases you make with your CashBack card.
More informationT s And C s. Credit card. It s Ours. Effective 28 May 2015
T s And C s. Credit card terms Effective April and 2012 conditions Effective 28 May 2015 It s Ours. 1 What s Inside Here. Kiwibank Credit Card Terms and Conditions 2 1. Responsibility for your use and
More informationready, steady, take off
ready, steady, take off Welcome to your Airpoints credit card All the key information you need to know about your Air New Zealand Airpoints Platinum MasterCard. Important information Your Air New Zealand
More informationYellow Brick Road Empower Platinum Card
Yellow Brick Road Empower Platinum Card Features and Benefits Welcome Contents Using and managing your card 2 Rewards 4 Security 6 Your MasterCard Benefits 8 Terms and Conditions 11 Welcome to your new
More informationAltitude Business Rewards. Terms and conditions. Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards
Altitude Business Rewards Terms and conditions Altitude Business Cards Altitude Business Gold Cards Altitude Business Platinum Cards Effective 15 August 2015 Contents 1. When do these terms and conditions
More informationA Hero rate or Zero fees at selected ATMs.
A Hero rate or Zero fees at selected ATMs. It s easy to open your Bankwest Hero Transaction account or Bankwest Zero Transaction account. Here s how: Now that you have downloaded the Bankwest Hero Transaction
More informationVisa Corporate Card and Visa Purchasing Card Guide
Visa Corporate Card and Visa Purchasing Card Guide Contents Getting Started 1 Sign Your Card Now 1 2 Your Pin 1 3 Your Credit Limit 1 4 Transaction Limits 1 5 Fees 1 Using Your Card 1 Card Transactions
More informationSHORT TERM LOAN APPLICATION FORM
ACN 150 013 513 Australia s Fastest National Caveat Loan Lender Tel: (03) 9017 6611 Fax: (03) 8648 6328 Email: apply@homesec.com.au Web: www.homesec.com.au SHORT TERM LOAN APPLICATION FORM BORROWERS COMPANY
More informationANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS
ANZ Credit Cards CONDITIONS OF USE 20.07.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts
More informationHow To Use Anz Credit Card
ANZ Credit Cards CONDITIONS OF USE 25.05.2015 CONSUMER CREDIT CARDS Containing terms and conditions for: ANZ Consumer Credit Cards ANZ Internet Banking ANZ Phone Banking ANZ Mobile Banking BPAY ANZ Contacts
More informationChanges to your Bank of Queensland Credit Card
Changes to your Bank of Queensland Credit Card Contents Page Change of name 3 Interest Repayments 3 Fees and charges 4 Rewards 5 Additional benefits and protections 7 Account features and access 7 Additional
More informationWestpac Airpoints TM Credit Card Conditions of Use
Westpac Airpoints TM Credit Card Conditions of Use MasterCard Cards These are the conditions of use for your Westpac Airpoints TM MasterCard account. Please read this document carefully and then keep it
More informationANZ EFTPOS card and ANZ Visa Debit card
ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use Where to find things in this document What you need to know about these Conditions of Use...1 How to contact us...1 A glossary of the terms we
More informationUsing your Credit Card
Using your Credit Card Effective from 7 November 2003 Contents Introduction 3 Section one: Benefits 1.1 Reward Points program 4 1.1.1 Earn Reward Points every day 4 1.1.2 Earn up to 3 Bonus Reward Points
More informationBusiness Online Application Form
Business Online Application Form All sections apart from SEVEN, EIGHT & NINE must be completed. If you have any questions about this form please contact your Business Banker or Westpac branch. SECTION
More informationBNZ credit card terms and conditions.
BNZ credit card terms and conditions. 11 September 2015 Important Information for new credit card customers When you first enter into your credit card contract with us, we are required to give you certain
More informationWelcome home. Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans.
Welcome home Step through the front door of your new home sooner, with NAB s range of smart and flexible home loans. Smart move With the right advice from your mortgage broker and a smart, flexible home
More informationOnline Multi-Currency Account Application
Online Multi-Currency Account Application Please use this application form to apply for an Online Multi-Currency Account. This account is issued by ANZ Bank New Zealand Limited ( Bank ), and managed by
More informationHOME LOAN APPLICATION
HOME LOAN APPLICATION D D M M Y Y Y Y Today s date (Bank use only) Application number 1. Getting started Please print your details clearly in CAPITAL letters, using a pen Who is this application for? For
More informationANZ Online Multi-Currency Account Application
Please use this application form to apply for an Online Multi Currency Account. This account is issued by ANZ Bank New Zealand Limited ( Bank ), and managed by ANZ New Zealand Securities Limited ( ANZ
More informationFee free. Current accounts Application form for a sterling bank account
Fee free Current accounts Application form for a sterling bank account Welcome We welcome you to Isle of Man Bank and thank you for choosing us. To help us decide whether we can provide you with the services
More informationHow To Save Money On Your Banking With Anz
and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 2 Savings accounts... 5 Cards... 6 Foreign Currency Account... 9 Foreign
More informationAltitude Business Credit Cards
Altitude Business Credit Cards Conditions of Use Effective 1 July 2014 Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises your credit limit and the precontractual
More informationCommercial Cards Application
Commercial Cards Application Apply for a Commercial Card Information you ll need to supply (it is recommended this information is supplied at the same time the application form is submitted to avoid unnecessary
More informationSmall Business Banking. It s your business
Small Business Banking It s your business No matter what stage your business is at, the right partnerships can make all the difference. Whether you ve got a great business idea, wanting to expand or just
More informationJeanne D Arc CREDIT UNION
Credit Cards PLATINUM VISA CREDIT CARDS Jeanne D Arc CREDIT UNION PUT SOME CREDIT BUILDING POWER IN YOUR POCKET WITH A JEANNE D ARC VISA. It s the best of both worlds. You get a credit card that s accepted
More informationLOAN APPLICATION FORM
LOAN APPLICATION FORM Please use black ink and complete all sections in BLOCK CAPITALS. (For loans fully covered by savings or guarantee, only Parts 1, 3 and 9 should be completed.) If you need any help,
More informationIncluding ANZ Business One Rewards Options
Introducing ANZ Business One Rewards Options Including ANZ Business One Rewards Options Program Terms and Conditions Welcome We re delighted you have chosen ANZ Business One Rewards Options, the business
More informationHOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS
HOME LOAN APPLICATION FORM HOME LOANS/FIXED RATE/VARIABLE RATE HOME EQUITY LOANS This is an important document. If you have difficulty understanding English, you must use an interpreter to explain it to
More informationKey Facts About Credit Cards
December 2014 Key Facts About Credit Cards Talk to the world s leading food and agribusiness bank Rabobank Australia Limited ABN 50 001 621 129 AFSL 234 700 Australian Credit License 234 700 To contact
More informationFees and Charges A close look at our products and services. Everyday accounts. Saving money on your banking CONTENTS ANZ FREEDOM ANZ GO
and Charges A close look at our products and services CONTENTS Saving money on your banking... 1 Everyday accounts... 1 Packages... 3 Savings accounts... 5 Cards... 5 Foreign Currency Account... 8 Foreign
More informationWestpac Everyday Banking. Transaction and service fees.
Westpac Everyday Banking Transaction and service fees. As at 19 November 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view
More informationAll your daily banking needs
Bankwest Everyday Banking All your daily banking needs It s good to keep things simple. Happy Banking How can we make life easier for you? Feel-good banking comes from easy to use everyday accounts that
More informationHSBC CREDIT CARD APPLICATION FORM
To: The Hongkong and Shanghai Banking Corporation Limited, Macau Branch Branch Please return the completed application form together with support documents to any HSBC branch Date day / month / year HSBC
More informationMacquarie Mortgages Application for Finance
Macquarie Mortgages Application for Finance Personal Details Applicant 1 Applicant 2 Borrower Guarantor (please tick one only) Title First name Surname Middle name Date of birth / / Sex F/M Marital Status
More informationCREDIT CARD APPLICATION
1. CREDIT CARD REQUEST DETAILS New application: Requested increase: I would like a McGrath Pink Visa Card: Limit increase: Balance transfer: Total limit requested: 2. APPLICANT DETAILS Membership number:
More informationWestpac Everyday Banking. Transaction and service fees.
Westpac Everyday Banking Transaction and service fees. As at 30 July 2015 Hints to reduce account costs Online banking With online banking, access is free and you have control to pay your bills, view your
More informationYOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD
YOUR GUIDE TO THE WAREHOUSE REWARDS MASTERCARD your card As soon as your Rewards MasterCard arrives make sure you sign it straight away. If you applied online you ll also need to activate your card by
More informationFees and Charges Effective 17 April 2016
Effective 17 April 2016 Contents Saving money on your banking...1 Everyday accounts...2 Savings accounts... 3 Term Deposits and Foreign Currency Term Deposits...4 ANZ Freedom Years Package... 4 ANZ Migrant
More informationPlease only use this form when you wish to open a Suncorp Share Trade Account: in your name, or in joint names
Stockbroking INDIVIDUAL/JOINT ACCOUNT application form Please only use this form when you wish to open a Suncorp Share Trade Account: in your name, or in joint names In order to process your application
More informationAdvantages: How it works:
Suncorp Wealth Cash Management Account Application Form Details Suncorp Wealth Cash Management Account offers competitive interest with no ongoing fees and charges. To conveniently settle your share purchases
More informationWays to bank. With so many ways to do your banking you ll be spoilt for choice.
Ways to bank With so many ways to do your banking you ll be spoilt for choice. Are you banking on your terms? At Westpac you can tailor the way you bank to suit your life. Whether you log on to Online
More informationVisa Classic and Gold
Visa Classic and Gold Enjoy con venience and security with Visa. Butterfield Visa Credit Cards. Put the ultimate in purchasing power at your fingertips, with a Visa Credit Card from Butterfield. Offering
More informationCredit Card Repayment Protection
Credit Card Repayment Protection Product Disclosure Statement and policy wording Effective 13 July 2015 1 Introducing Credit Card Repayment Protection. What is it? Credit Card Repayment Protection is insurance
More informationA helping hand for life. Personal Loan Account Opening Form with Easy Spend Bundle
Personal Loan Account Opening Form with Easy Spend Bundle A helping hand for life Only Tellers sitting across the counter at branches are authorized to handle cash transactions. The bank will not be liable
More informationWhy do you need Visiting New Zealand insurance?
Visiting New Zealand travel insurance Insurance that looks after people who are visiting New Zealand Why do you need Visiting New Zealand insurance? Every year more than two million people visit New Zealand
More informationDear Valued Cardmember,
Dear Valued Cardmember, Thank you for signing up with Plus! and giving us a chance to serve you. Plus! is a programme of financial products, services and benefits brought to you jointly by OCBC Bank and
More informationANZ Business Preferred MasterCard CARDHOLDER TERMS AND CONDITIONS
ANZ Business Preferred MasterCard CARDHOLDER TERMS AND CONDITIONS General Conditions ANZ Business Preferred MasterCard Cardholder Terms and Conditions These Terms and Conditions (as amended from time
More informationApplication Form for Millinium's Wholesale Fixed Income Fund Individual(s) / Sole Trader (Resident/Non Resident)
Before you sign this application form, we wish to give you a Information Memorandum ("IM") which is a summary of important information relating to Millinium's Wholesale Fixed Income Fund ("Fund"). The
More informationBNZ Business First Visa Card
BUSINESS FIRST VISA CARD Helpful information about BNZ Business First Visa Card Putting your Business First BNZ Business First Visa card is the smart way to manage your day to day business expenses. It
More informationCOMPANY / CLOSE CORPORATION / TRUST / PARTNERSHIP MORTGAGE LOAN APPLICATION
COMPANY / CLOSE CORPORATION / TRUST / PARTNERSHIP MORTGAGE LOAN APPLICATION Tick ( ) applicable block(s) and complete where necessary Indicate: New Loan Pre-Approval Take Over FOR BANK USE ONLY: COMPULSORY
More informationHow your ASB KiwiSaver Scheme membership can help you buy your first home
Keep in touch Drop in to any ASB branch Call 0800 272 738 Visit asb.co.nz/kiwisaver Visit us at facebook.com/asbbank Follow us on twitter.com/asbbank asb.co.nz/kiwisaver ASB Group Investments Limited 56520
More informationACCESSING YOUR MONEY OVERSEAS.
ACCESSING YOUR MONEY OVERSEAS. ACCESSING YOUR MONEY, ANYTIME, ANYWHERE No matter where you re going, you ll need easy, secure access to your money. Travel Money Card A prepaid MasterCard that lets you
More informationWe ll help make buying your first home easier
First Home Buyers We ll help make buying your first home easier First Home Buyer Award recognised in 2008 by CANNEX. 02 Buying your first home doesn t have to be complicated. We ll take the hassle out
More informationcastles Proudly Supported by Westpac Premier Advantage Package
castles Proudly Supported by Westpac Premier Advantage Package Thank you for considering Westpac. We aim to delight our customers and earn all of their business. That s why we created the Premier Advantage
More informationAppointment of an agent form
Appointment of an agent form An agent is someone who can act for you when dealing with the Ministry of Social Development (Work and Income, Senior Services and Housing Assessment). Choosing an agent You
More informationFlexi Loan Repayment Protection
Flexi Loan Repayment Protection Product Disclosure Statement and policy wording 1 Effective 13 July 2015 Introducing Flexi Loan Repayment Protection. What is it? Flexi Loan Repayment Protection is insurance
More informationInternational Student
International Student travel insurance Insurance that looks after students from other countries while they are studying in New Zealand Effective from 18 March 2015 Why do you need International Student
More informationCombined Conditions of Use and Credit Guide
Combined Conditions of Use and Credit Guide Effective as at 9 November 2014 Introduction Your Credit Card Contract includes this Conditions of Use brochure, the letter which advises both your credit limit
More informationVisa Credit Card Application
Visa Credit Card Application How did you hear about our Credit Card product? Primary Member No. (if applicable) Joint Member No. (if applicable) Your Credit Card Details Is this application to increase
More informationWHICH IS FOR ME? HOME LOANS MADE EASY
WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described
More informationMoving to Australia? Choose the bank more Australians choose.
Moving to Australia? Choose the bank more Australians choose. Contents Welcome to the Commonwealth Bank of Australia 3 International service, local knowledge 3 Set up your banking before you arrive 4 Great
More informationCREDIT CARD. Our terms and conditions for. Your credit card
CREDIT CARD Our terms and conditions for Your credit card 1 Introduction and Definitions 1.1 Scope These Terms and Conditions are a contract between you and BNZ. They apply to the use of your Card, including
More informationInside you should find (tick to make sure you have each one): Student Loans: What You Need to Know fact sheet
STUDENT LOAN PACK Finance Inside you should find (tick to make sure you have each one): Student Loans: What You Need to Know fact sheet Budget planner and Budgeting fact sheet Step by step checklist Financial
More informationAustralian Finance Centre Pty Ltd FACT FIND SHEET
Australian Finance Centre Pty Ltd Australian Credit License 390436 Prepared by : Andrew Salsbury Date prepared: Phone : (07) 556357227 Fax : 1300 905379 Email: andrew@australianfinancecentre.com.au ABN
More informationFINANCE APPLICATION / NOVATED LEASE (salary packaging) Liabilities SURPLUS $
STREET 9 Roberts St West, Osborne Park, WA, 6017 MAIL PO Box 1493, Osborne Park, WA, 6916 Telephone: 08 6465 5411 Fax: 08 6465 5433 Website: allwestfleet.com.au FINANCE APPLICATION / NOVATED LEASE (salary
More informationCitibank Rewards and Citibank Qantas Rewards Program Terms and Conditions. Citibank Rewards Credit Card - Signature Citi Prestige Credit Card
Citibank Rewards and Citibank Qantas Rewards Program Terms and Conditions Citibank Rewards Credit Card - Signature Citi Prestige Credit Card Contents Page 1. Definitions 2 Chapter One 2. Participation
More informationBusiness Telephone Banking Administration form
Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 Business Telephone Banking Administration form Our privacy policy is available at westpac.com.au or by calling 132 032 and covers how we handle
More informationSingapore Airlines Westpac Platinum Credit Cards Conditions of Use
Singapore Airlines Westpac Platinum Credit Cards Conditions of Use Effective 1 July 2014 Conditions of Use Your Credit Card Contract includes this Conditions of Use booklet, the letter which advises both
More informationXX-XXXX-XXXXXXX-XXX SAMPLE
Choices Everyday Home Loan Summary 26 June 2015 Example Customer, 123 Example Street, Example City Sample Customer, Sample, 123 Sample Street, Sample City Loan Summary Loan Account Number XX-XXXX-XXXXXXX-XXX
More informationcredit card Your Welcome Guide
credit card Your Welcome Guide We would like to welcome you as a new Co-operative Membership credit cardholder. welcome This guide tells you all you need to know to make the most of your Co-operative Membership
More informationA QUESTION OF INTEREST. Personal and Business credit card interest explained
A QUESTION OF INTEREST Personal and Business credit card interest explained CommBank credit cards offer a flexible and convenient way to manage expenses. The ability to buy now and pay later can be a great
More informationHome Loan and/or Top Up Application
Home Loan and/or Top Up Application How to use this form This form allows you to apply for a new Home Loan and/or apply for a Top-up to obtain additional funds on your existing Maxis Loan. We are here
More informationHome and Investment Loans. Be ready to make your move.
Home and Investment Loans Be ready to make your move. We ve got what you need to make things happen. Whether you re thinking of buying your first home, your next home, an investment property, switching
More informationA rewarding experience just for you.
BENEFITS GUIDE Signature RBC Rewards Visa card A rewarding experience just for you. Great rewards start with your Signature. Thank you for choosing the Signature RBC Rewards Visa card. Now you can enjoy
More informationYOUR GUIDE TO BUYING A NEW HOME.
YOUR GUIDE TO BUYING A NEW HOME. THE ROAD TO YOUR NEW HOME STARTS HERE. Buying a new home is exciting, but there s a lot to think about. We re here to help, with practical tips and online tools that make
More information