BROKER HOME LOAN TOP UP APPLICATION.

Transcription

1 BROKER HOME LOAN TOP UP APPLICATION. Broker Services Phone: Fax: Visit: mebank.com.au/broker Broker details Name ME Bank Broker Identification Number Contact number Fax Aggregator Application details Applicant Name Number of Pages Submission requirements Application form completed in full Serviceability assessment calculator Tax file numbers removed All supporting documentation attached Changes to the customer's circumstances Do you foresee any significant changes to the customer's circumstances in the future, such as changes to employment, income and/or expenses that will make it difficult for the customer to meet the loan repayments? If yes, provide details. Members Equity Bank Pty Limited ABN AFSL and Australian Credit Licence:

2 Summary of Customer s Objectives and Requirements Funds Required Source of Funds Purchase Price Savings Purchase Costs Shares LMI Deposit Paid Other Financial Institution Refinance Amount FHOG Refinance Accrued Interest, Discharge and Break Costs Subtotal Personal Loan Loan Amount Required Credit Card/s Total Total Application details Salaried Employees PAYG Summaries or Tax Return. Most recent year required. (Notice of assessment is not suitable.) Payslips. Must be less than 4 weeks old. For loans above 1million, 3 consecutive payslips are required. Other income. Provide statements or court orders (e.g. Centrelink payments). Self Employed Certified Annual Financial ments. The last 2 years of statements are required. Complete business and personal tax returns. The last 2 years of returns are required. Tax assessment notice. The most recent notice is required for the individual and all entities. Other income. Provide statements or court orders (e.g. Centrelink payments) Investment Income Evidence of Rent If customer has existing investments provide copy of lease or managing agents statement. 2 years tax returns All other Investment Income. Loan Purpose Consolidating Debt Loan ments. If refinancing non ME Bank Home Loans or Personal Loans provide last 6 months of statements. Credit Card ments. If refinancing non ME Bank credit card statements provide 3 consecutive statements. Investment (other than residential property) or Other purpose Investment details has been specified in Top-up details on page 3 of this application. Other details have been specified on page 3 of this application. Broker Declaration If the customer(s) have applied for a fixed rate loan I have explained that making certain alterations to the loan will result in a break to the fixed rate contract and a prepayment fee may apply. I certify that I have the documents provided to me by the customer(s) and confirm that the originals of the documents sent to ME Bank are held by me. I also certify that I will retain these documents, and will make them available to ME Bank when required. I also declare that any information contained in this declaration and in the application is true and correct and obtained directly from the applicant(s). Broker Name 2.

3 Personal details - Applicant 1 Personal details - Applicant 2 Title (Mr/Mrs/Miss/Ms/other) Surname Title (Mr/Mrs/Miss/Ms/other) Surname Given name(s) of birth Gender (M or F) Residential address Given name(s) of birth Gender (M or F) Residential address Marital status: Single Married/Domestic partner Number of dependants Driver licence number Occupation Age of each dependant Marital status: Single Married/Domestic partner Number of dependants Driver licence number Occupation Age of each dependant Employment status (please tick one of the below): Full time Part time Casual Home duties Retired Self-employed Student Unemployed Employer s name (if applicable) Employment status (please tick one of the below): Full time Part time Casual Home duties Retired Self-employed Student Unemployed Employer s name (if applicable) Employer s address Employer s address If self-employed A.B.N. Business name If self-employed A.B.N. Business name Accountant s name Accountant s contact number ( ) Accountant s name Accountant s contact number ( ) Top Up details Existing loan number to be topped up If you have a split loan, please provide the loan number for the variable rate loan facility. Top-up amount you are requesting Purpose of top-up: Debt consolidation Property purchase Property improvements Holiday/travel/vehicle Investment Other If selecting Investment and/or Other, please specify details (e.g. buying shares) Would you like this top-up loan to be a separate split facility to your existing loan? Yes No If yes, please indicate the interest rate option you would like for the top-up loan: Variable Fixed 1 year Fixed 3 years Fixed 5 years Please refer to conditions for a split loan and important information about fixed interest rates on the last page. 3.

4 Disbursement of top-up funds If your application for a top-up is approved, we will directly credit the funds (less any applicable fees and charges) into the account you nominate below. The loan being topped-up (Credited to your loan as available funds, i.e. redraw.) An ME Bank account in the same name(s) as the home loan - please specify Another account with an Australian financial institution - please provide details below (This includes an ME Bank account in name(s) different to that on the home loan.) Name of financial institution Name(s) of account holder(s) BSB number Account number Financial position Assets (what you own) Please show combined total of assets and liabilities if there is more than one applicant. Real estate (please supply the address) Savings or deposit accounts (please provide the name of financial institution) Other assets (please describe e.g. household contents, motor vehicle) Superannuation (please provide the name of superannuation fund) Value Balance Value Balance Liabilities (what you owe) Please show combined total of assets and liabilities if there is more than one applicant. Home loans (please provide the name of financial institution) Monthly payment Amount owing/pay out amount Pay out Pay out & close No Personal loans (please provide the name of financial institution) Monthly payment Amount owing/pay out amount Pay out Pay out & close No Credit/Store cards* (please provide the name of financial institution) Credit limit Amount owing/pay out amount Pay out Pay out & close No *Includes cards with a zero balance and on interest free terms Overdrafts (please provide the name of financial institution) Monthly payment Amount owing/pay out amount Pay out Pay out & close No Other liabilities (e.g. car leases) Monthly payment Amount owing/pay out amount Pay out Pay out & close No Ongoing expenses: Monthly payment Living expenses (e.g. insurance (medical, vehicle, home etc.), utilities, phone/internet, medical, rates, travel (vehicle running costs, public transport etc.), education/childcare, food, clothing, entertainment) Monthly payment Rent/board to cease Rent/board Other expenses (e.g. child support, gifts) Monthly payment 4.

5 Declaration 1. I/We wish to apply for a top-up on my home loan. I/We acknowledge if this application is approved it will be subject to the Credit Provider's loan terms and conditions. 2. I/We hereby declare that all information I/we have provided or will provide to ME Bank during the application process (including in this application form or to my broker or to an ME Bank staff member) is true and correct and I/we authorise ME Bank to verify this information. (This may include contacting my/our employer or accountant to verify my/our income). 3. Where I/We have provided third party details to ME Bank (such as details of my/our accountant or employer) I/we have informed those third parties that: I/we have provided their personal details to ME Bank and that they can gain access to this information; ME Bank will use and disclose their information for the purpose of assessing my/our application for a top up; and If their personal information is not supplied to ME Bank then ME Bank may not be able to assess my/our application. 4. I/We authorise ME Bank to arrange a valuation of the security property. 5. I/We acknowledge that my/our credit information and personal information may be collected, used and disclosed in the manner and for the purposes set out in the Privacy Notice that I/we agreed to when applying for my home loan. I/we also agree to information about my super fund/ union membership being used to assist ME Bank to provide benefits for members of participating super funds and unions and for market research and product development. 6. I/We acknowledge that I/we have previously consented to ME Bank performing a credit check on me/us in relation to this application or if I have not previously provided this consent then I agree that ME Bank may: obtain consumer and commercial credit information (including a consumer and/or commercial credit report from a credit reporting agency) about me to assess this application; and exchange and use information about me with any credit provider named in this application or named in a credit report provided by a credit reporting agency to assess this application. This may include information about my credit worthiness, credit standing, credit history or credit capacity. 7. I/We have read and understand the below conditions for a split loan and the important information about fixed interest rates. Conditions for a split loan Applicable to all loan types The loan may only be split once into two components. You are able to access redraw funds from a variable component only; i.e. redraw is not available on a fixed interest rate component. A construction loan cannot be split or fixed until the loan has been fully drawn down. The minimum amount for a split loan component is 10,000, however for an Ultimate Offset Account, see details to the right. Applicable to Ultimate Offset Account only Minimum loan amount for a variable interest rate component is 50,000. Minimum loan amount for a fixed interest rate component is 10,000. Two fixed interest rate components are not available. If two variable interest rate components are selected, the minimum loan amount for one variable component is 50,000 and the other is 10,000. Offset benefit only applies to one variable rate component of your loan. Not available on a construction loan until the loan has been fully drawn down. Important information about fixed interest rates Please think carefully whether fixing the interest rate on your loan is suitable for your financial circumstances, as a prepayment fee may be applicable if certain alterations are made to a fixed interest rate loan prior to the end of the fixed interest rate period. of all applicants/guarantors: Applicant 1 Print name Applicant 2 Print name Guarantor Print name BB003_2/WEB/213909/