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loan application form ING Direct

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loan application form ING Direct Powered By Docstoc
					                         loan application form
IMPORTANT NOTE: You should NOT use this form:
 If you have a guarantor (to secure your loan)                                        If you are a company borrower                                        If a Trust is involved



How do I apply for a home loan?
 The 4 easy steps to apply for an ING DIRECT home loan:

 1       Apply

 • Complete this form and
                                                          2       Approval
                                                                  Documentation
                                                          • Your Home Loan Specialist
                                                                                                                    3      Accept your loan
                                                                                                                           offer
                                                                                                                    • Sign and return the loan
                                                                                                                                                                             4       Welcome to
                                                                                                                                                                                     ING DIRECT
                                                                                                                                                                             Congratulations! You will
   send it back to us with all                              will let you know if your                                 offer we have sent to you or                           receive your welcome pack
   necessary documentation*                                 home loan has been                                        your solicitor.                                        confirming details of your
 • The whole process from                                   approved.                                               • We will organise your                                  home loan.
   application to settlement                                                                                          settlement if you are a new
   should take approximately 3                                                                                        home buyer or investor, or
   to 6 weeks**                                                                                                       we will pay out your existing
                                                                                                                      lender if you are refinancing
                                                                                                                      your loan.

* The below checklist outlines the documentation required. All applications for credit are subject to ING DIRECT credit approval criteria ** provided you send back all documentation within the time period advised.




Checklist The checklist below outlines all the documentation you will need to enclose with this application form.
All applications

      Payslip less than 1 month old (if payslip does not contain ABN, evidence of salary crediting must be provided)
      Latest Payment Summary or Full Taxation Return (Last 2 years Group Certificate or Full Tax Returns required if less than 12 months in current job)
      Applicants Verifying Your Identity form (include copies of identification documents)
      Rates Notice for all properties owned

In addition to the above, if it is a:

New Purchase application

      Front page of the Contract of Sale/Contract Note (must show purchase price, finance date and settlement date)
      Evidence of funds to complete the purchase of the property
      Statutory Declaration stating that funds being gifted are non-repayable (if applicable) including a statement confirming the funds are available
      Last 3 months bank statements confirming genuine savings pattern (loans involving Lenders Mortgage Insurance/Reduced Equity Fee)
      Completed application for First Home Owners Grant (if applicable)
Investment property application

      Letter/statement from Real Estate Agent confirming proposed/existing rental income or lease agreement
Refinance application

      Last 6 months statements of loans being refinanced
      Last 3 months statements for credit/store cards being refinanced
Construction loan application

      Fixed price building contract/quote/tender, PLUS
      Proposed building plans and specifications


Marketing code (if applicable)                                                      Existing ING DIRECT loan account number or customer number



How did you hear about us?                             TV                                                                       Newspaper/Magazine
                                                       Website                                                                 Friends and family
                                                      Home Show                                                                Letter
                                                      Other, please specify__________________________________________


                                                                                           Have a question or need help completing this application form?                                                    Page 1 of 8
                                                                                           Call a dedicated home loan specialist on 1800 100 258.
                                                                                   ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |                                        INGD IM260
                                             Tohelpcalculatetheestimatedcostassociatedwithyourhomeloan,completeasmanyofthedetailsasyoucan.
Funding summary
                                            Ifunsure,pleasecontactourHomeLoanSpecialiston1800100258.
    Your cost to purchase or refinance ($)
    Property Purchase Price/estimated value of property
    Home Loan Refinance amount
    Other debts being refinanced
    Cost of construction/home improvements
    PleasecallaHomeLoanSpecialiston1800100258tofindouttheamountofthebelowcosts
    Application Fee
    Reduced Equity Fee or Lender’s Mortgage Insurance (estimate)
    Other costs including legal and other professional charges
    Government Stamp Duty on mortgage
    Government Stamp Duty on transfer of property
    Government registration fee
    Valuation fee (if applicable)
    Other fees and charges associated with your loan (our standard fees and charges are available on request)
    Fees and charges imposed by your outgoing lender (for example, any mortgage discharge fee)

                                                                                                                                               ESTIMATED COST
    Your contribution to purchase or refinance ($)
    Net proceeds from pending                                                                                    Gift
    sale of real estate
                                                                                                                 Other loans (specify source)
    Deposit already paid                                                                                         Other funds
                                                                                                                 (specify source e.g.First Home Owners Grant)
    Cash/Savings
                                                                                                                 TOTAL APPLICANT(S) CONTRIBUTION
    Existing equity

    ESTIMATED LOAN AMOUNT REQUESTED ($) (difference between Estimated Cost and Total Applicant(s) Contribution)
SmartPack Discount: If borrowing $                               0,000 or more in aggregate, do you want to apply for SmartPack? (a fee applies)*                                        Yes               No
* A discount is available on Mortgage Simplifier and Smart Home loan products. Visit ingdirect.com.au for further information.

                                             •                                                                                                                                 
                                              Selecttheloanforwhichyouwishtoapply.Ifyouwantacombinedloanormorethanoneloan,completetherelevantsections.
Loan details                                 •Minimum$50,000foranyloantypeinacombinationloan.

    Split 1 - Purpose of loan                                              Split 2 - Purpose of loan                                                Split 3 - Purpose of loan
        Purchase (Residential home loan)                                       Purchase (Residential home loan)                                          Purchase (Residential home loan)
        Purchase (Residential investment loan)                                 Purchase (Residential investment loan)                                    Purchase (Residential investment loan)
        Refinance (Residential home loan)                                      Refinance (Residential home loan)                                         Refinance (Residential home loan)
        Refinance (Residential investment loan)                                Refinance (Residential investment loan)                                   Refinance (Residential investment loan)
    Are you applying for a                                                 Are you applying for a                                                   Are you applying for a
    First Home Owners Grant?                     Yes        No             First Home Owners Grant?                       Yes         No            First Home Owners Grant?                        Yes         No
    Existing account number(s)
    Include your Orange Everyday account number if you are applying for an Orange Advantage and would like this account to be linked for offest purposes. The Orange Everyday must be in the same
    name(s) as the Orange Advantage.
    Select Product (Choose one product only per loan)                      Select Product (Choose one product only per loan)                        Select Product (Choose one product only per loan)
       Action Equity Loan    Fixed Rate Loan*                                 Action Equity Loan    Fixed Rate Loan*                                   Action Equity Loan    Fixed Rate Loan*
        Mortgage Simplifier            Smart Home Loan                         Mortgage Simplifier               Smart Home Loan                         Mortgage Simplifier               Smart Home Loan
        Construction Loan          Orange Advantage                            Construction Loan          Orange Advantage                              Construction Loan          Orange Advantage
    If selecting a fixed rate please indicate term (years)                 If selecting a fixed rate please indicate term (years)                   If selecting a fixed rate please indicate term (years)
      1        2          3        4                             5           1        2          3        4                                5          1        2          3        4                                 5
    Do you require a Fixed Rate Lock-in?                                   Do you require a Fixed Rate Lock-in?                                     Do you require a Fixed Rate Lock-in?
                          (Only for Fixed Rate Loan) If yes, complete                               (Only for Fixed Rate Loan) If yes, complete                               (Only for Fixed Rate Loan) If yes, complete
        Yes          No   and submit Fixed Rate Lock-in form                   Yes            No    and submit Fixed Rate Lock-in form                   Yes            No    and submit Fixed Rate Lock-in form
WARNING: If you select a fixed rate loan, break costs may be payable if at anytime before the fixed term expires, you pay out your loan or you make additional payments of $10,000
or more in an anniversary year, or you ask us to change your loan type or fixed interest period. Break costs may be substantial. If you have a fixed rate loan, you should contact us
for an estimate, or the amount, of break costs if you are considering making a payment or asking us to change your loan type, or fixed interest period. Any additional payments or
advanced funds are not available for redraw during the fixed term. Please refer to your Terms and Conditions for further details.
    Loan amount**                                Loan term***              Loan amount**                                   Loan term***             Loan amount**                                    Loan term***
    $                                                         Years        $                                                            Years       $                                                            Years
    Repayment method                                                       Repayment method                                                         Repayment method
        Fortnightly                Monthly                                     Fortnightly                   Monthly                                     Fortnightly                   Monthly
    I wish to pay                                                          I wish to pay                                                            I wish to pay
        Principal and interest           Interest only^                        Principal and interest              Interest only^                        Principal and interest              Interest only^
        Interest in advance (max 1 year)                                       Interest in advance (max 1 year)                                          Interest in advance (max 1 year)
    If Interest only, please indicate term (years)                         If Interest only, please indicate term (years)                           If Interest only, please indicate term (years)
        1            2             3              4              5             1              2              3              4              5             1              2              3              4              5
* If you repay a portion or all of your fixed rate loan early, break costs may apply. Break costs may be substantial. ** If applicable the Lenders Mortgage Insurance premium or Reduced Equity Fee will be capitalised.
*** Do not complete for Action Equity and Smart Home Loans. ^Interest Only loans, monthly repayments are required on the 1st of each month

                                                                                           Have a question or need help completing this application form?                                                  Page 2 of 8
                                                                                           Call a dedicated home loan specialist on 1800 100 258.
                                                                                   ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |                                        INGD IM260 07/
Borrower details

Applicant 1                                                                      Applicant 2
                                     Client Number                                                                       Client Number
    Existing ING DIRECT borrower                                                      Existing ING DIRECT borrower

    New ING DIRECT borrower                                                           New ING DIRECT borrower

    Self-employed                PAYG                                                 Self-employed                 PAYG

    Mr        Mrs      Ms        Miss Other                                          Mr        Mrs        Ms        Miss Other
Surname                                                                          Surname


First name                                   Middle name                         First name                                       Middle name


Date of birth (DD/MM/YYYY)         Gender                                        Date of birth (DD/MM/YYYY)           Gender

           /        /                 Male      Female                                      /        /                    Male      Female
Driver’s licence number           No of dependants   Age of dependants           Driver’s licence number              No of dependants   Age of dependants


Mother’s maiden name (Mother’s original surname/family name)                     Mother’s maiden name (Mother’s original surname/family name)


Spouse’s name                                                                    Spouse’s name


Contact number                                                                   Contact number
Phone number – Home                                                              Phone number – Home


Phone number – Work                                                              Phone number – Work


Mobile number                                                                    Mobile number


Email address                                                                    Email address



Current residential address                                                      Current residential address
Unit number         Street number                                                Unit number         Street number


Street name                                                                      Street name


Suburb                                                                           Suburb


State               Postcode               Time at current address               State                 Postcode               Time at current address
                                                   Years             Months                                                             Years           Months

Current residential status                                                       Current residential status

    Owner                        Renting                       Boarding               Owner                         Renting                       Boarding

    Paying mortgage              Living with parents                                  Paying mortgage               Living with parents

    Other (if other, please specify below)                                            Other (if other, please specify below)



Residential/mailing address after settlement                                     Residential/mailing address after settlement

If same as current residential address, please cross the box                     If same as current residential address, please cross the box
Unit number           Street number                                              Unit number           Street number


Street name                                                                      Street name


Suburb                                                                           Suburb


State                 Postcode                                                   State                   Postcode




                                                                 Have a question or need help completing this application form?                     Page 3 of 8
                                                                 Call a dedicated home loan specialist on 1800 100 258.
                                                           ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |         INGD IM260 07/
Employment details

Applicant 1                                                                             Applicant 2
Name of current employer (if self-employed, your trading name)                          Name of current employer (if self-employed, your trading name)


Current employment status                                                               Current employment status

    Salaried                  Self-employed        Social benefits          Retired          Salaried                 Self-employed        Social benefits             Retired

    Student         Home duties                    Unemployed                               Student         Home duties                    Unemployed
Current employment type                                                                 Current employment type

   Full-time            Part-time            Casual/Temp                    Contract       Full-time            Part-time            Casual/Temp                       Contract
Occupation (if self-employed, type of business/industry)                                Occupation (if self-employed, type of business/industry)


Date commenced (DD/MM/YY)                      No of employers in last four years       Date commenced (DD/MM/YY)                      No of employers in last four years
           /           /                                                                           /           /
Address of current employer (if self-employed, your business address)                   Address of current employer (if self-employed, your business address)
Unit number         Street number                                                       Unit number         Street number

Street name                                                                             Street name

Suburb                                                                                  Suburb

State                      Postcode                                                     State                      Postcode



ONLYcompletethissectioniflessthantwoyearswith                                   ONLYcompletethissectioniflessthantwoyearswith
currentemployer                                                                          currentemployer
Name of your previous employer                                                            Name of your previous employer


Previous employment status                                                                Previous employment status

        Salaried            Self-employed        Social benefits            Retired             Salaried             Self-employed        Social benefits              Retired

        Student             Home duties          Unemployed                                     Student              Home duties          Unemployed
Previous employment type                                                                  Previous employment type

        Full-time           Part-time            Casual/Temp                Contract            Full-time            Part-time            Casual/Temp                  Contract
Previous occupation (if self-employed, type of business/industry)                         Previous occupation (if self-employed, type of business/industry)


Time with previous employer                                                               Time with previous employer

               Years                  Months                                                           Years                  Months


ONLYcompletethissectionifyouhaveasecondjob                                   ONLYcompletethissectionifyouhaveasecondjob
Name of your employer                                                                     Name of your employer


Second job occupation                                                                     Second job occupation


Second job employment type                                                                Second job employment type

   Part-time         Casual/Temp                   Contract                                  Part-time         Casual/Temp                  Contract
Phone number of employer                          Date commenced (DD/MM/YY)               Phone number of employer                         Date commenced (DD/MM/YY)
                                                           /            /                                                                           /              /

Are you an Australian Citizen/Permanent Resident?                    Yes        No      Are you an Australian Citizen/Permanent Resident?                    Yes            No
Have you ever been bankrupt, had any credit defaults,                                   Have you ever been bankrupt, had any credit defaults,
or had a judgement credit?*                                          Yes         No     or had a judgement credit?*                                          Yes            No
Are you receiving unemployment benefits or worker’s                                     Are you receiving unemployment benefits or worker’s
                                                                     Yes         No                                                                          Yes            No
compensation?*                                                                          compensation?*
Have you ever been known by any other name in the                                       Have you ever been known by any other name in the
last 7 years? e.g., maiden name, previous married name?*             Yes         No     last 7 years? e.g., maiden name, previous married name?*             Yes            No

Former Name(s) Applicant 1                                                              Former Name(s) Applicant 2

*Please attach details to this application                                              *Please attach details to this application


                                                                        Have a question or need help completing this application form?                             Page 4 of 8
                                                                        Call a dedicated home loan specialist on 1800 100 258.
                                                                   ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |            INGD IM260 07/1
Your assets
                                     Suburb                                                                  Postcode        Value ($)                        Monthly Investment
                                                                                                                                                              Income* ($)
Existing property (home)
Investment property 1
Investment property 2
Motor vehicle 1
Motor vehicle 2
Other assets e.g. furniture, personal effects, collectables, boat, etc.
Savings with (name of institution):


Deposit already paid on new home or investment property
Investments:                         Superannuation
                                     Shares

TOTAL ASSETS
*How to convert to monthly amounts: Weekly income – multiply by 52 then divide by 12. Fortnightly income – multiply by 26 then divide by 12. Yearly income – divide by 12.

Your liabilities
                                     Amount owing                   Facility                       Monthly                                                      Indicate if debts to be
                                                                                                                                                                  repaid prior to or on
                                     (incl. available redraw) ($)   limit ($)                      payment ($)                  Financier                                   settlement

Existing mortgage (home)
Existing mortgage
(investment property 1)
Existing mortgage
(investment property 2)
Personal loans or
hire purchase
Car lease
Other debts
(store account/s, HECS, etc.)
Contingent liability
(e.g. guaranteed debt)
Rent/board paid
(if applicable)

Child maintenance
Credit card(s)




TOTAL LIABILITIES

Personal Income
 Borrower 1/Guarantor 1                                                                         Borrower 2/Guarantor 2
 PAYG                                                        Gross monthly income* ($)          PAYG                                                    Gross monthly income* ($)
  Base income                                                                                   Base income
  (including salary paid to you by your own company)                                            (including salary paid to you by your own company)

 Regular overtime                                                                               Regular overtime

 Second job income                                                                              Second job income

 Car allowance^                                                                                 Car allowance^

 Fully maintained car^^                                                                         Fully maintained car^^
 Other Income                                                                                   Other Income

 Family Tax Benefits (Part A+B)                                                                 Family Tax Benefits (Part A+B)
 Child Maintenance                                                                              Child Maintenance
  (must be court ordered)                                                                       (must be court ordered)

  Investment income                                                                             Investment income
  (including dividends paid to you by your own company)                                         (including dividends paid to you by your own company)


 Existing rental income                                                                         Existing rental income

 Proposed rental income                                                                         Proposed rental income

 Other income (e.g. commission/bonus)                                                           Other income (e.g. commission/bonus)

 TOTAL INCOME                                                                                   TOTAL INCOME
 * How to convert to gross monthly amounts (before tax). Weekly – multiply by 52 then divide by 12. Fortnightly – multiply by 26 then divide by 12. Yearly – divide by 12.
 ^ Paid to you by your employer to cover vehicle running costs.
 ^^ Only tick this box if your employer is providing you a fully maintained car which is in addition to your salary.
                                                                                Have a question or need help completing this application form?                            Page 5 of 8
                                                                                Call a dedicated home loan specialist on 1800 100 258.
                                                                       ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |                  INGD IM260 07/1
Security property details
Security property listed will secure all loans/splits on this application form. An additional application fee applies for each additional property in
excess of 1 property – this is non-refundable and payable at the time of your application.
Property 1
                                                                                Is property owned outright?                Yes           No
Unit number Street number Street name                                           Source of estimated value (e.g. purchase price, customer estimate)

Suburb                                                                          Estimated loan to value ratio %            Mortgage Insurance
                                                                                                                            Yes            No
State                Postcode               Number of bedrooms                  Registered Owners
                                                                                Name(s) to appear on Certificate of Title after settlement
Estimated
     value   $                                  Residential    Commercial
Type of Security      House            Villa/Townhouse         Unit
                                                                                Contact for access (for valuation)
                      Vacant Land                              Rural
Type of Purchase      Established Home          Off the Plan                    Phone number
                      Newly Constructed         Favourable (not arms length)


Solicitor or Conveyancer’s details
Name of firm                                                                    Unit number Street number Street name

Contact name                                                                    Suburb

Phone number                                                                    State           Postcode



Nomination to receive notices
Note: This section may be completed where joint Applicants reside at the same address and do not wish to receive
individual copies of notices and other documents under the National Credit Code, if the lending facility is for
personal purposes, i.e. NOT for business or investment purposes.
Each joint debtor/mortgagor is entitled to receive a copy of any notice or other document under the National
Credit Code. You may, however, nominate that one person receive all notices on your behalf. By signing the
following nomination you are giving up the right to be provided with information directly from ING DIRECT.
You can, however, at any time advise ING DIRECT in writing that you would like to cancel your nomination and
accordingly would like to receive directly a copy of any notice or other document under the National Credit Code.

I/We nominate:          Mr          Mrs        Ms         Miss Other (please specify)
Surname                                                                 Phone number

First name                                                                     Unit number Street number Street name

Middle name                                                                    Suburb

to receive notices and other documents under the                               State           Postcode
National Credit Code on behalf of me/all of us.
The notices and documents are to be sent to the following                      Signature of Applicant 1                          Date (DD/MM/YY)
address:
                                                                                                                                        /     /
Contact name                                                                   Signature of Applicant 2                          Date (DD/MM/YY)
                                                                                                                                       /         /




                                                                Have a question or need help completing this application form?                   Page 6 of 8
                                                                Call a dedicated home loan specialist on 1800 100 258.
                                                          ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |       INGD IM260 07/1
Declarations (continued)
Consent by Applicant/s                                                            5. Collection, use and disclosure of your credit information
ING DIRECT is a division of ING Bank (Australia) Limited ABN 24 000 893 292       By signing this application, you agree that ING DIRECT and any other
                                                                                  financier who at any time provides or has an interest in the credit, can do
Name of Applicant 1                                                               any of the following at any time:
                                                                                  i    Commercial credit information

Name of Applicant 2                                                                    Collect and use commercial credit information to assess an application
                                                                                       for consumer credit or commercial credit.
                                                                                  ii   Consumer credit information
                                                                                       Collect and use consumer credit information to assess an application for
At ING DIRECT we recognise that privacy and security of personal                       consumer credit or commercial credit.
information is important to our customers.
                                                                                  iii Collection of overdue payments
We respect the confidentiality and security of your personal
information and we are committed to protecting it at all times.                        Collect and use a credit report provided by a credit reporting agency to
                                                                                       collect overdue payments..
1. Collection of your personal information                                        iv Provide information to mortgage insurer
ING DIRECT only collects such personal information as is necessary to                  Disclose information to a mortgage insurer to assess the risk of
manage your account and to communicate with you about ING DIRECT                       providing mortgage insurance or to assess the risk of default.
and the products and services we offer. We also collect any personal              v    Exchange of information between credit providers
information necessary for the purposes of the Anti-Money Laundering                    Collect, use or disclose to another credit provider (including without
and Counter-Terrorism Financing Act 2006.                                              limitation any other credit provider who has lent money on the same
By completing this form you consent to our use and disclosure of your                  security) any information or opinion about credit worthiness, credit
personal information as outlined in this privacy statement. If you do not              standing, credit history or credit capacity.
provide your personal information, we may be unable to provide you with           vi Exchange of information with introducers
an appropriate level of service.
                                                                                       Collect any consumer or commercial credit information from, or disclose
2. Use and disclosure of your personal information                                     that information to, any introducer, financial consultant, accountant,
                                                                                       lawyer, or intermediary (including any introducer mentioned on the
You consent to us disclosing your personal information to                              front page of this application form) acting in connection with any
i Other financial institutions                                                         financing provided.
   Other financial institutions, such as banks, credit unions, building          vii Provide information to credit reporting agencies
    societies and payment services such as VISA, in order to set up and                Disclose to a credit reporting agency personal or commercial
    manage your account and to process banking transactions.                           information. The information may include identity particulars; the fact
ii Other organisations                                                                 that credit has been applied for and the amount; the fact that the
ING Group entities and/or third parties, such as:                                      lender is a current credit provider; payments which become overdue
                                                                                       more than 60 days, and for which action is commenced; advice that
   ING Group companies in order to service other ING products you may
                                                                                       payments are no longer overdue; advice that cheques drawn have been
    have within the Group and portfolio analysis;
                                                                                       dishonoured more than once; in specified circumstances that in the
   ING Group entities located overseas for account administration and                 opinion of the lender there has been a serious credit infringement; and
    security purposes;                                                                 the credit provided has been paid or otherwise discharged.
   ING Group entities for marketing purposes;                                    viii Provide information for securitisation
   Organisations undertaking reviews of the accuracy and completeness of              Disclose any report or personal information to another person in
    our information;                                                                   connection with funding financial accommodation by means of an
   Authorised organisations providing confidential mailing services,                  arrangement involving securitisation.
    maintenance of our information technology systems, printing of our            ix Provide information to guarantors
    standard documents and correspondence and document storage
                                                                                       Disclose information to any person who proposes to guarantee or has
    companies;
                                                                                       guaranteed repayment of any credit provided.
   Organisations providing analysis and research to ING DIRECT regarding
                                                                                  x    Provide information in relation to disputes and enquiries
    our products, services and customer relationships;
                                                                                       Disclose consumer credit information, commercial credit information,
   Our solicitors, valuers and insurers for our loan products;
                                                                                       and personal information to any industry body, tribunal, court or
 Credit reporting or information verification agencies in order to                    otherwise in connection with any complaint regarding the approval or
  obtain and provide details of credit history or status or to verify other            management of your loan.
  information about you including your identity;
                                                                                  xi Authority in relation to a mortgage insurer
   Mortgage intermediaries, your financial adviser, your power of attorney,
                                                                                       You also agree that this authority applies to any mortgage insurer, who
    or your appointed solicitor.
                                                                                       may have to use any personal information they collect in order to assess
                                                                                       whether to insure the risk of providing mortgage insurance or to assess
3. Access to your personal information
                                                                                       the risk of default, as well as for other internal management and risk
You may request access to the personal information that we hold about                  purposes.
you, your account/s and any other ING products or services by contacting us
directly on 133 464 or by writing to the ING DIRECT Privacy Officer at            Our privacy statement may be updated from time to time, as we
GPO Box 4094, Sydney, NSW, 2001. Requests for access to your personal             strive to improve the standard of service we provide to you. If you
information may only be made by you.                                              would like further information regarding privacy, you can review our
                                                                                  current Privacy Policy online at ingdirect.com.au or request a copy by
4. Receipt of further ING Group information                                       either calling or writing to us.
We, or other ING Group entities, may provide you with further information         This privacy statement applies to ING DIRECT, a division of ING Bank
about ING Group products and services. You may elect not to receive further       (Australia) Limited.
information about us or ING Group products and services by contacting us
online, calling or writing to us. If you have provided an email address to us,    Signed by Applicant 1                            Date (DD/MM/YY)
we may contact you using that email address, including to provide you with
information about ING DIRECT or our products.                                                                                              /          /
                                                                                  Signed by Applicant 2                            Date (DD/MM/YY)

                                                                                                                                           /          /

                                                                  Have a question or need help completing this application form?                    Page 7 of 8
                                                                  Call a dedicated home loan specialist on 1800 100 258.
                                                             ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |      INGD IM260 07/1
Declarations & Representations

This section must be completed
                                                                          Reduced Equity Fee Request
I/We have completed or arranged for completion of and                     I/we understand and agree that:
read and understood the particulars set out in this form and              - My/our Home Loan Specialist has clearly explained
declare them to be true and complete.                                        the Reduced Equity fee to my/our satisfaction;
The representations have been made to ING DIRECT to                       - I/we understand the nature and effect of the
enable it to determine whether or not to offer a loan to me/                 Reduced Equity Fee;
us and I/we understand and acknowledge that ING DIRECT is                 - The Reduced Equity Fee will be deducted from
relying on the information provided by me/us in this form in                 the total loan amount at settlement and is non-
determining whether to offer the loan.                                       refundable.
I/We hereby authorise ING DIRECT to make any other                        - If my/our application for a Reduced Equity Fee is
enquiries relative to this application, which it considers                   unsuccessful, ING DIRECT may take out Lenders
necessary. I/We also understand that this form does not in                   Mortgage Insurance. The amount of the Lenders
any way constitute an offer to lend or an acceptance of a                    Mortgage Insurance premium is included in either
loan offer.                                                                  the Letter of Offer or, if/we are applying to vary my/
                                                                             our loan, the Loan Variation Confirmation;
Despite any representations which may be made to us by
any person, I/we understand and acknowledge that ING                      - ING DIRECT reserves the right not to offer the
DIRECT is not bound to approve this application, and is not                  Reduced Equity Fee, in its absolute discretion.
to be treated as having approved this application until I/
we receive a letter of offer from ING DIRECT confirming
approval of the loan and listing the approval conditions,
if any. I/We understand that no loan can settle until those
conditions have been met.
                                                                       Name of Applicant 1
I/We understand that ING DIRECT does not express an
opinion as to the viability of any investment that may be
the subject of this loan and does not accept any liability
                                                                       Signed by Applicant 1
in respect of any loss or damage, I/we may sustain as a
consequence of:
a) the failure of the investment to perform as expected or,            Date (DD/MM/YY)
b) a change in my/our circumstances.
                                                                                 /           /
I/We understand that I/we may be required to pay a
non-refundable valuation fee at the time of my/our
application. The amount of this valuation fee (if any) is set
out under the ‘Funding Summary’.
                                                                       Name of Applicant 2
I/We understand that an application fee may also be payable
(and if so, the amount of that fee and when it is payable will
be set out in any loan offer that you give me/us).
                                                                       Signed by Applicant 2
To the best of my/our knowledge and belief, all the
information given in this form is true and correct.
                                                                       Date (DD/MM/YY)

                                                                                 /           /




                                                       Have a question or need help completing this application form?                Page 8 of 8
                                                       Call a dedicated home loan specialist on 1800 100 258.
                                                  ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |   INGD IM260 07/1
                      verifying your identity
How to complete this form
ING DIRECT requires that your identity be verified. To do this, you must send us original certified copies of documents which verify your identity. These
documents must be certified by one of the persons listed in Step 3.

To verify your identity follow the five simple steps below:
Step 1 Select the reason why you are completing this form
Step 2 Choose 2 identification documents from the lists below
Step 3 Select someone to certify your documents
Step 4 Take copies and originals to the certifier and ask them to complete the certification
Step 5 Send this form and the certified documents to ING DIRECT

Each relevant party must complete a separate form.


Step 1 Select the purpose of completing this form
	 Applying for a home loan
	 Nominating an Executor for an existing home loan
	 Adding an individual to an existing home loan
Where applicable, please specify your existing Client Number or Account Number


Step 2 Choose identification documents
You need to choose 2 documents from the lists below. At least 1 must be from List A. Please note the certified copies will
not be returned. The documents must verify the following details as provided in Step 4:
         - Your full name; and
         - Residential Address or Date of Birth
                                     List A                                                                           List B
  Australian Driver’s Licence (must be current, show current residential          Pension Card (must be current and issued by Centrelink entitling
   address and photograph)                                                          financial benefits)
  Birth Certificate or Birth Extract (issued by a State or Territory in           Australian Tax Office Tax Assessment Notice (issued in the last 12
   Australia)                                                                       months and shows current residential address)
  Proof of Age Card / NSW Photo Card (must be current and show date               A water rates or council rates notice (issued by a local government
   of birth and photograph)                                                         body or utilities provider within the last 3 months showing current
  An Australian Passport (either a current passport or a passport that             residential address)
   expired within the last 2 years)                                                A landline telephone, gas or electricity notice (issued by a utilities
  International Passport (current, containing a photograph and a                   provider within the last 3 months and shows current residential
   signature and accompanied by a translation from a Professional                   address)
   Translator accredited by the National Accreditation Authority for               A bank statement (issued by an Australian bank in the last 12 months.
   Translators and Interpreters if not in English)                                  Please note printouts of online statements are not accepted)
  A Citizenship Certificate (issued by the Commonwealth of Australia)             A government financial benefits notice; eg Centrelink (issued in the
                                                                                    last 12 months and shows current residential address)


Step 3 Select a certifier
Take the originals and copies of your identification documents to a document certifier from the list below. Ask them to follow the instructions in Step 4.
    1.    A Justice of the Peace
    2.    An Accountant who is a member of the Australian Institute of Chartered Accountants, CPA Australia or the National Institute of Accountants
          with 2 or more years of continuous membership
    3.    A Solicitor or Barrister
    4.    A Police Officer
    5.    An agent in charge of, or a permanent employee (with 2 or more years of continuous service) of an Australia Post outlet
    6.    An officer with, or authorised representative of, a holder of an Australian Financial Services Licence, having 2 or more continuous years of service
          with one or more licensees
    7.    A Dentist
    8.    A Pharmacist
    9.    A Medical Practitioner
    10.   A Chiropractor or a Physiotherapist.
Note: A complete list of ING DIRECT acceptable document certifiers is available on ingdirect.com.au in the FAQ section.
                                                                                                                                                     Page 1 of 2

                                                              ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |     INGD IM028 02/12
Step 4 Document certifier to complete
Section A - Details of person being identified                                 Residential Address
                                                                               Unit number        Street number

    Mr            Mrs           Ms    Miss Other
Surname                                                                        Street name


First name                                Middle name                          Suburb


Date of birth (DD/MM/YYYY)                                                     State                 Postcode

          /             /


Section B - Certifier Instructions
To certify the copies of the documents to be true copies of the original document, on each copy complete the following:

1. “I hereby certify that these pages are a true copy of the original document shown to me on [date]“
2. Sign each document
3. Name and Certifier Classification [as per Step 3]. For example; John Smith, Accountant

Section C - Details of the document certifier
I have examined the identification document/s of the person listed in Section A. If ING DIRECT has any questions regarding this verification, you may
contact me at the details provided below.
                                                                                Phone number (day)

     Mr           Mrs           Ms     Miss Other
 Surname                                                                        Unit number           Street number


 First name                                Middle name                          Street name


 Date of birth (DD/MM/YYYY)                                                     Suburb

              /             /
                                                                                State                  Postcode

 Signature of certifer
                                                   Date (DD/MM/YYYY)            Certifier Classification [as per Step 3]

                                                          /         /

Note: It is an offence under the Anti-Money Laundering / Counter-Terrorism Financing Act 2006 to provide a false or misleading statement, produce a false
or misleading document, to receive an ING DIRECT product in a false name or to fail to disclose any other name or names you are commonly known by.




 Step 5 What to do when you have completed this form
After you have had your documents correctly certified and this form completed, please send all documents to:

                                     ING DIRECT
                                     Reply Paid 4094
                                     SYDNEY NSW 2001




                                                                                                                                                Page 2 of 2

                                                          ING DIRECT is a division of ING Bank (Australia) Limited | ABN 24 000 893 292 |    INGD IM028 02/12

				
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