INDIVIDUALS

							Residential Mortgage Finance

Residential Mortgage Finance
 ABN: 8411 9199 807, Suite 408, 5 Celebration Drive, Bella Vista, Ph: (02) 9629-9488 Fax: 02 9629-9477, 1300 884 895 
INDIVIDUALS APPLICANT 1 APPLICANT 2

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Applicant 1 Director 1 Gurantor1
FULL NAME OF BORROWER DATE OF BIRTH DRIVERS LICENSE Home TELEPHONE Mobile Email Work Mr/ Mrs/ Ms

Applicant 2 Director 2 Guarantor 2
Mr/ Mrs/ Ms

Home Mobile Email

Work

CURRENT ADDRESS OF THE BORROWER:

Postcode
PERIOD AT CURRENT ADDRESS:

Postcode

Years (if less than 3 years state
previous address)

Years (if less than 3 years state
previous address)

PREVIOUS ADDRESS:

Postcode
ADDRESS OF THE PLACE OF RESIDENCE AFTER LOAN SETTLEMENT:

Postcode

Postcode
FULL NAME OF SPOUSE: MARITAL STATUS OF BORROWER: DEPENDANTS: OCCUPATION: EMPLOYER'S NAME: AND ADDRESS PREVIOUS EMPLOYER'S NAME: (If period of current employment under 2 years) PRESENT ADDRESS: (For Company - Registered Office) (For Company - Date & Place of Incorporation) (For Company - Nature of Business) EMPLOYER’S ADDRESS: (For Company - Business Address)

Postcode

Single Widowed Defacto
NUMBER:

Married Divorced
AGES:

Single Widowed Defacto
NUMBER:

Married Divorced
AGES:



PAYG

 SELF EMPLOYED



PAYG



SELF EMPLOYED

No. of years No. of years

No. of years No. of years

Postcode

Postcode

Postcode

Postcode

How loan is to be financed:Purchase Price - $ Refinance - $ Home Improvements - $ Legal fees - $ Stamp fees - $ Loan fees - $ Others - $ TOTAL $

FUNDS POSITION Sale Proceeds Own Funds (Source) Gift Loan Amount Others $ $ $ $ $

TOTAL Yes

$
No

Are you applying for a first home owners grant? Purpose of Loan Loan Details

Loan 1 Purchase home (owner occupied) Refinance home/personal loan (owner occupied) Construct home (owner occupied) Other owner occupied (e.g. home improvements, personal use) Purchase investment property Refinance investment property Construct investment property Other investments (e.g. purchase shares)

Loan 2

Loan 3

Loan Term
Select Product

 25 Years

 30 Years

Loan 1 Standard Variable Rate Line of Credit Construction Loan Lo Doc Standard Variable Rate Lo Doc Line of Credit Fixed Rate Loan If Fixed Rate please indicate term:  1 Repayment method Loan 1 Weekly Fortnightly Monthly I wish to pay  Principle and Interest  Interest only If Interest only, please indicate term 1 2 3 4
      2 3

Loan 2
      4

Loan 3
      5

Weekly Monthly

Loan 2 Fortnightly

Weekly Monthly

Loan 1 Fortnightly

I wish to pay  Principle and Interest  Interest only If Interest only, please indicate term 1 2 3 4

I wish to pay  Principle and Interest  Interest only If Interest only, please indicate term 1 2 3 4

5

5

5

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PERSONAL FINANCIAL STATEMENT
ASSETS
DETAILS Principal residence at: 1. Other improved freehold properties at: 2. 3. 4. Vacant land at: Cash funds Bank accounts MARKET VALUE $ 1. 2. LENDER

LIABILITIES
MONTHLY PAYMENTS $ CURRENT LOAN AMOUNT $

3. 4. Personal Loans Amount Overdrafts and other bank facilities: 1. 2. 3. Hire purchase Credit Card Limits $ Personal Debts Rent Lease Other

Savings Term Deposits Deposit paid on property purchase * Equity in business (give details) Motor vehicle(s) owned by applicant Marketable personal effects Other assets (give details) 1. 2. 3.

TOTAL =

$

TOTAL =
Borrower (1)

$

$
Borrower (2)

DO YOU HAVE ANY CONTINGENT LIABILITIES OR GUARANTEES Name of Borrower & relationship Amount $ Lender

INCOME DETAILS BORROWER (1)
Employer (1) Employer (2) Rental/Other

BORROWER (2)

GROSS INCOME P.A.
$ $ $

SUPPORTING DOCUMENTATION: Confirmation of current employment and salary by way of group certificates, payslips and letter from employer. If current employment under 2 years, confirmation of previous period of employment. Copies of last two years tax returns and assessments if self employed. Confirmation of funds available to make up purchase price. Confirmation of existing debt on property being refinanced.
YES NO

HAVE YOU, OR YOUR SPOUSE, EVER BEEN SHAREHOLDERS OR OFFICERS OF ANY COMPANY OF WHICH A MANAGER, RECEIVER, AND/OR LIQUIDATOR HAS BEEN APPOINTED? IS THERE ANY UNSATISFIED JUDGEMENT ENTERED IN ANY COURT AGAINST YOU, YOUR SPOUSE, OR ANY COMPANY OF WHICH EITHER YOU OR YOUR SPOUSE ARE OR WERE A SHAREHOLDER OR OFFICER? HAS ANY APPLICATION IN RESPECT OF THIS LOAN EVER BEEN SUBMITTED BY YOU OR ANY OTHER PERSON TO ANY OTHER LENDER? IF SO, GIVE DETAILS.

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IS THE PROPERTY UNDER OLD SYSTEMS TITLE? ARE YOU ORDINARILY RESIDENT IN AUSTRALIA?

PROPERTY 1
SECURITY OFFERED - FIRST MORTGAGE OVER (Describe Improvements)____________________________________________________________________________________________________________ _________________________________________________________________ LOCATED AT: ________________________________________________________________________________________________________________________ __________ Postcode __________________________________ Presently occupied Vacant by applicant To be occupied by To be leased Leased for USAGE: applicant __________________ years

TITLE DETAILS:

Volume ______________________________________

Folio_________________________________________ Zoning

_________________________________________
NAME IN WHICH SECURITY PROPERTY WILL STAND_________________________________________________________________________________________________________________________________ _____________________________________________________ NAME OF PERSON TO BE CONTACTED FOR ACCESS TO THE PROPERTY FOR VALUATION PURPOSES.

Name: _____________________________________________________ Phone - Bus. ( _______________________________ Mobile. _____________________________

) _______________________ A.H. (

)

Valuation fee of $ ____________________________________________________ payable to ___________________________________________________________________________________________________

PROPERTY 2
SECURITY OFFERED - FIRST MORTGAGE OVER (Describe Improvements)______________________________________________________________ _______________________________________________________________________________________________________________________ LOCATED AT: ____________________________________________________________________________________________________________ __________________________________________________________________________________Postcode ______________________________

USAGE:

Vacant

Presently occupied by applicant

To be occupied by applicant

To be leased

Leased for ____________

years

TITLE DETAILS:

Volume _______________________________________

Folio__________________________________________

Zoning ____________________________________________
NAME IN WHICH SECURITY PROPERTY WILL STAND_____________________________________________________________________________________________________________________________________________ ______________________________________________________________________________________________________________________________________ NAME OF PERSON TO BE CONTACTED FOR ACCESS TO THE PROPERTY FOR VALUATION PURPOSES.

Name: _____________________________________________________ Phone - Bus. ( _______________________ Mobile. _____________________________________

) _______________________ A.H. (

)

Valuation fee of $ ____________________________________________________ payable to ___________________________________________________________________________________________________

PROPERTY INSURANCE
NAME OF COMPANY: ________________________________SUM INSURED $:_____________________________________________________________

POLICY NUMBER: ___________________________________EXPIRY DATE: _______________________________________________________________

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ACCOUNT FROM WHICH LOAN PAYMENTS WILL BE MADE
ACCOUNT NAME:________________________________________________________________ ACCOUNTNUMBER:______________________________________________________________

BANK: ________________________________________________________________________________________

NAME OF YOUR SOLICITOR: ____________________________________ _______________________________________________________
_____________ ADDRESS: ______________________________________________________________________________________________ _______________________________________________________________________________________________

BRANCH ADDRESS:

NAME OF PERSON ACTING FOR YOU: _______________ Mobile. ________________________

_Phone - Bus. (

) _______________________ Fax: (

) _______________________

I/We apply for credit. I/We and any guarantors are all aged over 18 years. The information set out in this application or otherwise provided about me/us and any guarantors is true and correct and will be relied on. I/We consent to the disclosure of this application and any loan information (including statements of account, requests for payment etc) before, during or after the loan to any guarantor. I/We agree to pay any loan application fee, all fees and charges incurred to process the application, to obtain the valuation report about the security property and legal expenses to prepare loan and security documents. I/We acknowledge that commissions may be payable for the loan, insurance and other services provided in connection with the loan.
Signature ______________________________ Name of Signatory __________________________________ Date ________________________

Signature ______________________________

Name of Signatory _______________________________ Date ________________________

LOAN PURPOSE CHECK LIST
EXTREMELY IMPORTANT NOTICE TO THE LOAN APPLICANT(S) EACH BORROWER MUST COMPLETE THIS SECTION
It is possible that your proposed loan may be regulated by the Consumer Credit Code ("the Code"). The Code applies (inter alia) where: (a) (b) (c) credit is provided under a contract; the borrower (debtor/mortgagor) is a natural person or strata corporation ordinarily resident in Australia and/or its territories; and the purpose for which credit is provided is wholly or predominantly of a personal, domestic, or household nature.

PART A
In order to determine whether or not the provisions of the Code will apply to this loan, the lender requires you to provide it with the following information: YES NO
1. 2. 3. Are any of the borrowers natural persons as described above? Are any of the borrowers a corporation? If yes, do not complete Part B and Part C. Is the borrower a strata corporation (being a corporation incorporated under strata title legislation, or whose issued shares confer a right to occupy land for residential purposes)?

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PART B
The purpose of this proposed loan is:
4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16. To purchase a residence for owner occupation. To refinance an owner-occupied residence for personal use. To refinance an owner-occupied residence for business use. To purchase a property for investment purposes. To refinance a property for investment purposes. To finance the construction of a residence to be owner-occupied. To finance the construction of a property for investment purposes. To provide a line of credit for personal use. To provide a line of credit for business/investment use. To have available credit to make personal purchases. To provide funds for future investment use. To provide funds for future personal use. Other

LOAN AMOUNT SOUGHT $
$ $ $ $ $ $ $ $ $ $ $ $

Total Loan: $

PART C
Do you believe that the borrower is likely to receive an income tax deduction in respect of at least 50% of the total interest payable on the amount proposed to be borrowed ? YES NO
If you believe that the proposed loan is NOT provided wholly or predominantly for personal, domestic or household purposes, then you must also complete the Declaration as to Purpose.

Important Notice: If

you declare that the loan has a business or investment purpose, but the lender’s subsequent enquiries reveal that the loan is regulated under the Code, then the lender may be obliged to reassess the loan and to arrange to have the loan re-documented. Any costs incurred by this process are to be borne by the borrower.

Signature ________________________

Print Borrower

Name__________________________________ Date _______________  Signature ________________________ Print Borrower

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Name__________________________________ Date _______________

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Joint Borrowers Nomination Form - Address for Notices
Important - Please read this form carefully Under the Consumer Credit Code, if there is more than one Borrower and the Borrowers reside at the same address, one may be nominated by them to receive notices and other documents on behalf of all of them. If you sign this nomination form, a notice or other document given to the nominated Borrower, while the nomination remains in force, will be taken to have been given to all Borrowers who have signed this form. You are entitled to receive a copy of any notice or other document under the Consumer Credit Code and by signing this form you are giving up the right to be provided with information direct from the credit provider. Any person who has signed this form can advise the credit provider at any time that they wish to cancel their nomination and accordingly wish to receive directly a copy of any notice or other document under the Consumer Credit Code. Borrowers' nomination I/we nominate _________________________________{{full name of person nominated}} to receive notices and other documents under the Consumer Credit Code on behalf of me/all of us. Date: _______ / _______ / _______ _________________________________ Borrower _________________________________ Name (Please print) _________________________________ Borrower _________________________________ Name (Please print)

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DECLARATION OF PURPOSE (Section 11, Consumer Credit Code. Regulation 10, Consumer Credit Regulation)

TO:

AFIG Wholesale Pty Ltd, Resimac Limited, Challanger, Perpetual Trustees Victoria Limited, Permanent Custodians Limited, Perpetual Trustee Company Limited, PMI & Genworth Financial & Vero Insurance(Mortgage Insurers)

(Credit Provider)
RE: Loan of $ expiring____________________ _____________________

Full Borrower Name (1)

Full Borrower Name(2)

I/We declare that the credit to be provided to me/us by the credit provider is to be applied wholly or predominantly for business or investment purposes (or for both purposes).

IMPORTANT
You should not sign this declaration unless this loan is wholly or predominantly for business or investment purposes. By signing this declaration you may lose your protection under the Consumer Credit Code.

I/We agree to provide declarations of purpose of the credit whenever required by the Credit Provider. _________________________
Signature of person making Declaration

____________________
Signature of person making Declaration ______________________________ Full Name of person making Declaration

_____________________________________ Full Name of person making Declaration

/ /20______ (Date declaration signed)

/ /20______ (Date declaration signed)

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PRIVACY ACT, 1988 – CONSENT AND ACKNOWLEDGEMENT
Please read carefully before signing. Where there is more than one applicant or guarantor, each applicant or guarantor is to sign. ORIGINATOR: SWIFT LOANS

BORROWER:…………………………….……………………………………………………………………………… GUARANTOR:…………………………………………………………………………………………………………… Inno Projects trading as SWIFT LOANS(ABN 11 096 438 05) (the Manager), the Credit Provider and the Lenders Mortgage Insurers (if any) (collectively the Relevant Parties) collect and use personal information about me/us (the personal information) to:  assess my/our application for credit or my/our proposal to guarantee or provide security;  if an application is successful, provide and administer the provision of credit to me/us and obtain a guarantee;  assess the risk of providing lenders' mortgage insurance in respect of credit which may be provided to me/us (including the risk of the Guarantor(s) being unable to meet a liability that might arise under a guarantee);  if insurance is provided, administer or vary any lender's mortgage cover provided;  assess and manage risk, involving credit scoring and portfolio analysis; and  comply with legislative and regulatory requirements. In order to do those things, the Relevant Parties may need to disclose the personal information as required by law or to:  organisations involved in providing credit to me/us;  organisations and persons described in paragraphs 1 to 9 below;  each other and to the related companies of each;  people considering acquiring or taking an interest in the business or assets of each; and  organisations that carry out functions (on behalf of each or any of them) (such as trust managers, introducers, mailing houses, IT service providers, valuers, lawyers and other external advisers, conveyancers and collection agents); reinsurers; credit reporting agencies; referees, including my/our employer or legal and financial advisers; government and other regulatory bodies, including government agencies which administer land titles or revenue collection; ratings agencies; payment system operators; and other financial institutions, securitisers and credit providers). Collection of some of the personal information is required under the Financial Transaction Reports Act. If I/we do not provide any part of the personal information, it may not be possible to assess my/our application for credit or lenders' mortgage insurance, and as a consequence finance may not be provided to me/us. The information provided by me/us will be held by the Relevant Parties. In most cases, I/we may gain access to the information by contacting the Relevant Parties. However, such request should be first directed to the Manager on 02 8853 2988. I/We agree that the Relevant Parties, any mortgage broker, mortgage originator, mortgage manager, and any other person or company who at any time provides or has any interest in the credit can do any of the following, unless the law says they can’t even if I/we consent: 1. Commercial credit information Seek and use information from any business which provides information about the commercial worthiness of persons about me/us to assess my/our application for consumer or commercial credit.
2.

Consumer credit information

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Seek and use a credit report containing information about me/us from a credit reporting agency to assess my/our application for consumer or commercial credit or to assess whether to accept me/us as guarantor(s) for credit provided under this application.
3.

Collection of overdue payments Seek and use a credit report about me/us provided by a credit reporting agency to collect overdue payments from me/us. Exchange of information between credit providers Seek from and use or give to another credit provider any information about my/our account, credit worthiness, credit standing, credit history or credit capacity. In particular, the Manager can provide a bank opinion on me/us. I/We understand this information may be used for any of the following purposes:  To assess my/our credit worthiness  To assess my/our application for credit  To help me/us avoid defaulting on my/our credit obligations
    To notify a default by me/us To assist in the collection of overdue payments from me/us To exchange information with credit providers who are involved in a mortgage securitisation scheme To exchange information with credit providers as to the status of this loan

4.

5.

Exchange of information with advisers and other persons Seek from and use or give any personal or commercial credit information about me/us to any mortgage broker, mortgage originator, mortgage manager, financial consultant, accountant, lawyer, or other adviser acting in connection with any financing provided or proposed to be provided to me/us. Provide information to credit reporting agencies Give to a credit reporting agency information about me/us for the following purposes:  To obtain a consumer credit report about me/us; and/or  To allow the credit reporting agency to create or maintain a credit information file containing information about me/us. The information may include:  identity particulars;  my/our application for credit or commercial credit – the fact that credit has been applied for and the amount;  the fact that the Credit Provider or the Manager is a current credit provider to me/us;  payments which become overdue more than 60 days and for which collection action has commenced;  advice that payments are no longer overdue in respect of any default which has been listed;  advice that cheques drawn by me/us have been dishonoured more than once;  in specific circumstances, that in the opinion of the Manager or the Credit Provider, I/we have committed a serious credit infringement;  the credit provided to me/us by the Manager or the Credit Provider has been paid or otherwise discharged; or  otherwise in connection with arrangements relating to lenders' mortgage insurance. Provide information for securitisation Disclose any report or personal information about me/us to another person in connection with funding financial accommodation by means of an arrangement involving securitisation, or any other proposed transfer of or proposed dealing with my/our loan. Provide information to Guarantors Provide any report or personal or credit information about my/our to any person who proposes to guarantee or provide security for, or has guaranteed or provided security (guarantor) to:  decide whether to act as guarantor; or  to keep the guarantor informed about the guarantee. Provide information to trade insurer If my/our application is for commercial credit, I/we consent to a trade insurer obtaining a credit report about me/us containing consumer credit information, in order to assess whether to insure

6.

7.

8.

9.

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the Credit Provider for the loan given to me/us, or the risk of providing insurance or to assess my/our risk of defaulting under the loan.

I/We consent to such personal information and/or credit information about me/us being used or disclosed to the organisations or persons for the purposes described in this consent and acknowledgement (even though some organisations may be overseas), including (without limitation): (a) another credit provider as outlined in paragraph 4; (b) persons referred to in paragraph 5 as outlined in that paragraph; (c) persons involved in a securitisation arrangement as outlined in paragraph 7. The Manager and the Lenders Mortgage Insurers (if any) may use the personal information to tell me/us about other products and services offered or distributed by the Manager, and the Lenders Mortgage Insurers (if any) or any organisation the Manager is affiliated with or represents. I/We may choose not to have the personal information used or disclosed for this purpose or to receive any direct marketing material by contacting the Manager on 02 8853 2988 or ticking this box
In this notice, “Credit Provider” means:
Challanger Level 10, 101 Collins Street, Melbourne 3000
ABN: 32 107 725 486 Telephone: 03 8616 1600

Perpetual Trustees Victoria Limited (and associated entities) Level 28, 360 Collins Street, Melbourne VIC 3000 Permanent Custodians Limited 35 Clarence Street, Sydney NSW 2001

ABN: 47 004 027 258 Telephone: 03 8628 400

ACN 001 426 384 Telephone 1800 622 812

Perpetual Trustee Company Limited RESIMAC Ltd

ABN 42 000 001 007 ABN 67 002 997 935

In this Notice, the "Insurer" means:

Genworth Financial Mortgage Insurance Pty Limited ABN: Level 23,259 George Street, Sydney 2000 PMI Mortgage Insurance Limited Level 23,50 Bridge Street, Sydney 2000 Vero Lenders Mortgage Insurance Limited Level 5, 465 Victoria Ave Chatswood 2065 Telephone: ABN: Telephone: ABN: Telephone:

60 106 974 305 02 8248 2500 70 000 511 071 02 9231 7777 55 001 825 725 02 9978 9000

Applicant(s)

Guarantor(s)

Name

Name:

Signature:

Date:

Name:

Signature:

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Date:

PERSONAL STATEMENT BY GUARANTOR
FULL NAME(S) OF BORROWER:

FULL NAME(S) OF GUARANTOR:

GUARANTOR'S ADDRESS FOR CORRESPONDENCE: Postcode

PRESENT ADDRESS: (For Company - Registered Office)
Postcode Postcode

PREVIOUS ADDRESS: FULL NAME OF SPOUSE: MARITAL STATUS OF GUARANTOR:
SINGLE DIVORCED MARRIED WIDOWED SINGLE MARRIED DIVORCED WIDOWED

DEPENDANTS: DATE OF BIRTH OF GUARANTOR: TELEPHONE: OCCUPATION:: (For Company - Nature of Business) EMPLOYER'S ADDRESS: (For Company - Business Address) PERIOD OF CURRENT EMPLOYMENT: (For Company - How long Trading) If period of current employment under 2 years:PREVIOUS EMPLOYER'S NAME: PREVIOUS EMPLOYER'S ADDRESS: PERIOD OF PREVIOUS NAME OF YOUR BANK: EMPLOYMENT:
NAME OF BANK MANAGER: BRANCH ADDRESS:

NUMBER:

AGES:

PRIVATE: BUSINESS:

PRIVATE: BUSINESS:

TELEPHONE No.:

YES
HAVE YOU, OR YOUR SPOUSE,EVER BEEN DECLARED BANKRUPT OR INSOLVENT, OR HAS EITHER ESTATE BEEN ASSIGNED FOR THE BENEFIT OF CREDITORS? HAVE YOU, OR YOUR SPOUSE, EVER BEEN SHAREHOLDERS OR OFFICERS OF ANY COMPANY OF WHICH A MANAGER, RECEIVER, AND/OR LIQUIDATOR HAS BEEN APPOINTED? IS THERE ANY UNSATISFIED JUDGEMENT ENTERED IN ANY COURT AGAINST YOU, YOUR SPOUSE, OR ANY COMPANY OF WHICH EITHER YOU OR YOUR SPOUSE ARE OR WERE A SHAREHOLDER OR OFFICER? HAS ANY APPLICATION IN RESPECT OF THIS LOAN EVER BEEN SUBMITTED BY YOU OR ANY OTHER PERSON TO ANY OTHER LENDER? IF SO, GIVE DETAILS. IS THE PROPERTY UNDER OLD SYSTEMS TITLE? THE FOLLOWING DOCUMENTS MUST BE ATTACHED, AND APPLY IN RESPECT OF THIS APPLICATION:-

NO

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Confirmation of current employment and salary by way of letter from employer If period of current employment under 2 years, letter from previous employer confirming period of employment Copies of last 2 years Tax Returns and Assessments Financial Statements - past 2 years

To: Inno Projects trading as Swift Loans (including its related & Subsidiary Companies)
I/We declare that I/we am/are over the age of 18 and that the information contained in this application and attached statements is true and correct in every particular and it is upon this basis that I/we make this application.
Signature ___________________________ Name of Signatory ___________________________________ Date __________________ Signature ___________________________ Name of Signatory ___________________________________ Date __________________

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