Loan Details - Ezy Option Finance-ag

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					Loan Details
Sub- Account 1 (mandatory)

Loan Amount            $        ,                          ,
Term                   years (max 30 years)

Loan Purpose                        Private and/ or domestic                       Business and/ or investment

Repayment type                      Principal & interest                  Interest only            Interest only during construction

Complete if
“Interest only”   }   Interest only period                 1 year               2 years            3 years              4 years              5 years




 Sub- Account 2 (if required)

Loan Amount            $        ,                           ,
Term                    years (max 30 years)

Loan Purpose                        Private and/ or domestic                       Business and/ or investment

Repayment type                      Principal & interest                  Interest only            Interest only during construction

Complete if
“Interest only”   }   Interest only period                 1 year               2 years            3 years              4 years              5 years




                                                       LOAN ACCOUNT STRUCTURE

Who will be the Borrower(s)?                       Applicant 1                   Applicant 2              Applicant 3                  Applicant 4

Who will be the Guarantor(s)?                      Applicant 1                   Applicant 2              Applicant 3                  Applicant 4




                                                                     VERIFICATION TYPE

What will be the Verification type?                            Full Doc                   Lo Doc                 No Doc




                                                    (the rest of this page has been left intentionally blank)




                                                                                                                                   APP 01 - 05/07 Version 1.34
Individual Details
Complete a separate page for each Individual Applicant

Which Applicant is this?                                   Applicant 1               Applicant 2               Applicant 3                Applicant 4

Full Name
Title                                 First Name


Middle name(s)


Last Name


Trust Name- if Applicant is making this application in its capacity as trustee of a trust



If Applicant is making this application as trustee of a trust, is the trust a Superannuation trust?                   Yes                  No

Contact Details
        Phone Number                                                                         Mobile Phone Number

  (                    )
Current Address
Unit No.                   Street No.                            Street/Road Name                                                          Street Type


Suburb                                                                                                    State                       Postcode


Post settlement address (if different to current address)
Unit No.                   Street No.                            Street/Road Name                                                          Street Type


Suburb                                                                                                    State                       Postcode



Drivers licence number                                                                             Date of Birth
                                                                                                                      D        D      M      M      Y      Y
Does this Applicant have a HECs/ PELs/ HELP debt?                             Yes           No

Residency Status                                                         Are you living in Aust. now?    Length of continuous residency within Aust.
                           Permanent
        Citizen                                    Other                      Yes           No                        years                months
                           Resident
                       No. Adults - who aren’t Applicants                                                     No. Children
Dependents                                                         0     1      2      3      4                                0      1     2       3      4
                       (cross one)                                                                            (cross one)
Employment/ Self Employment details
Employer’s/ Self Employed Business’ trading name as shown in White Pages                                                      Months in current employment

                                                                                                                                                         months
ABN (if Self Employed income earner)                                                       Months self employed

             -                    -                         -                                                months
Accountant’s details (For full doc self employed income earners)
Trading Name


First Name                                                                     Last Name


        Phone Number                                                                         Mobile Phone Number

  (                    )
Applicant’s nearest living relative in Australia (must not be an Applicant)
First Name                                                                    Last Name


        Phone Number                                                                         Mobile Phone Number

 (                     )
                                                                                                                                   APP 02 - 05/07 Version 1.34
Individual Details
Complete a separate page for each Individual Applicant

Which Applicant is this?                                   Applicant 1               Applicant 2               Applicant 3                Applicant 4

Full Name
Title                                 First Name


Middle name(s)


Last Name


Trust Name- if Applicant is making this application in its capacity as trustee of a trust



If Applicant is making this application as trustee of a trust, is the trust a Superannuation trust?                   Yes                  No

Contact Details
        Phone Number                                                                         Mobile Phone Number

  (                    )
Current Address
Unit No.                   Street No.                            Street/Road Name                                                          Street Type


Suburb                                                                                                    State                       Postcode


Post settlement address (if different to current address)
Unit No.                   Street No.                            Street/Road Name                                                          Street Type


Suburb                                                                                                    State                       Postcode



Drivers licence number                                                                             Date of Birth
                                                                                                                      D        D      M      M      Y      Y
Does this Applicant have a HECs/ PELs/ HELP debt?                             Yes           No

Residency Status                                                         Are you living in Aust. now?    Length of continuous residency within Aust.
                           Permanent
        Citizen                                    Other                      Yes           No                        years                months
                           Resident
                       No. Adults - who aren’t Applicants                                                     No. Children
Dependents                                                         0     1      2      3      4                                0      1     2       3      4
                       (cross one)                                                                            (cross one)
Employment/ Self Employment details
Employer’s/ Self Employed Business’ trading name as shown in White Pages                                                      Months in current employment

                                                                                                                                                         months
ABN (if Self Employed income earner)                                                       Months self employed

             -                    -                         -                                                months
Accountant’s details (For full doc self employed income earners)
Trading Name


First Name                                                                     Last Name


        Phone Number                                                                         Mobile Phone Number

  (                    )
Applicant’s nearest living relative in Australia (must not be an Applicant)
First Name                                                                    Last Name


        Phone Number                                                                         Mobile Phone Number

 (                     )
                                                                                                                                   APP 03 - 05/07 Version 1.34
Individual Details
Complete a separate page for each Individual Applicant

Which Applicant is this?                                   Applicant 1               Applicant 2               Applicant 3                Applicant 4

Full Name
Title                                 First Name


Middle name(s)


Last Name


Trust Name- if Applicant is making this application in its capacity as trustee of a trust



If Applicant is making this application as trustee of a trust, is the trust a Superannuation trust?                   Yes                  No

Contact Details
        Phone Number                                                                         Mobile Phone Number

  (                    )
Current Address
Unit No.                   Street No.                            Street/Road Name                                                          Street Type


Suburb                                                                                                    State                       Postcode


Post settlement address (if different to current address)
Unit No.                   Street No.                            Street/Road Name                                                          Street Type


Suburb                                                                                                    State                       Postcode



Drivers licence number                                                                             Date of Birth
                                                                                                                      D        D      M      M      Y      Y
Does this Applicant have a HECs/ PELs/ HELP debt?                             Yes           No

Residency Status                                                         Are you living in Aust. now?    Length of continuous residency within Aust.
                           Permanent
        Citizen                                    Other                      Yes           No                        years                months
                           Resident
                       No. Adults - who aren’t Applicants                                                     No. Children
Dependents                                                         0     1      2      3      4                                0      1     2       3      4
                       (cross one)                                                                            (cross one)
Employment/ Self Employment details
Employer’s/ Self Employed Business’ trading name as shown in White Pages                                                      Months in current employment

                                                                                                                                                         months
ABN (if Self Employed income earner)                                                       Months self employed

             -                    -                         -                                                months
Accountant’s details (For full doc self employed income earners)
Trading Name


First Name                                                                     Last Name


        Phone Number                                                                         Mobile Phone Number

  (                    )
Applicant’s nearest living relative in Australia (must not be an Applicant)
First Name                                                                    Last Name


        Phone Number                                                                         Mobile Phone Number

 (                     )
                                                                                                                                   APP 04 - 05/07 Version 1.34
Individual Details
Complete a separate page for each Individual Applicant

Which Applicant is this?                                   Applicant 1               Applicant 2               Applicant 3                Applicant 4

Full Name
Title                                 First Name


Middle name(s)


Last Name


Trust Name- if Applicant is making this application in its capacity as trustee of a trust



If Applicant is making this application as trustee of a trust, is the trust a Superannuation trust?                   Yes                  No

Contact Details
        Phone Number                                                                         Mobile Phone Number

  (                    )
Current Address
Unit No.                   Street No.                            Street/Road Name                                                          Street Type


Suburb                                                                                                    State                       Postcode


Post settlement address (if different to current address)
Unit No.                   Street No.                            Street/Road Name                                                          Street Type


Suburb                                                                                                    State                       Postcode



Drivers licence number                                                                             Date of Birth
                                                                                                                      D        D      M      M      Y      Y
Does this Applicant have a HECs/ PELs/ HELP debt?                             Yes           No

Residency Status                                                         Are you living in Aust. now?    Length of continuous residency within Aust.
                           Permanent
        Citizen                                    Other                      Yes           No                        years                months
                           Resident
                       No. Adults - who aren’t Applicants                                                     No. Children
Dependents                                                         0     1      2      3      4                                0      1     2       3      4
                       (cross one)                                                                            (cross one)
Employment/ Self Employment details
Employer’s/ Self Employed Business’ trading name as shown in White Pages                                                      Months in current employment

                                                                                                                                                         months
ABN (if Self Employed income earner)                                                       Months self employed

             -                    -                         -                                                months
Accountant’s details (For full doc self employed income earners)
Trading Name


First Name                                                                     Last Name


        Phone Number                                                                         Mobile Phone Number

  (                    )
Applicant’s nearest living relative in Australia (must not be an Applicant)
First Name                                                                    Last Name


        Phone Number                                                                         Mobile Phone Number

 (                     )
                                                                                                                                   APP 05 - 05/07 Version 1.34
Applicant Identity Verification
Complete one table for each Individual Applicant totalling a minimum of 100 points

Please note: At least one identification document must show the Applicants full legal name (e.g John Barry Smith) and
must match the name as shown on the Applicant’s Individual Details page.

Also note: if the Applicant’s last name as it appears on the Medicare card differs from the name appearing on the
Applicant’s other identity documents, please provide a copy of a supplementary document (e.g. marriage certificate or
deed poll) confirming that both names identify the Applicant as one and the same person.

Applicant                    Medicare Card -            Citizenship - Passport or       Drivers Licence
Document Type                Compulsory (25 Points)     Birth Certificate (70 Points)   (40 Points)            Other

Full name as appears on
Document

Date of Birth as shown



Document No.



Applicant                    Medicare Card -            Citizenship - Passport or       Drivers Licence
Document Type                Compulsory (25 Points)     Birth Certificate (70 Points)   (40 Points)            Other

Full name as appears on
Document

Date of Birth as shown



Document No.



Applicant                    Medicare Card -            Citizenship - Passport or       Drivers Licence
Document Type                Compulsory (25 Points)     Birth Certificate (70 Points)   (40 Points)            Other

Full name as appears on
Document

Date of Birth as shown



Document No.



Applicant                    Medicare Card -            Citizenship - Passport or       Drivers Licence
Document Type                Compulsory (25 Points)     Birth Certificate (70 Points)   (40 Points)            Other

Full name as appears on
Document

Date of Birth as shown



Document No.



Mortgage Manager / Mortgage Introducer Declaration
I declare that I have sighted the Originals of all Identification Documentation and confirm all applicants personal identity and that the
photocopies provided are a true representation of the documents sighted.

Signed (the Mortgage Manager / Mortgage Introducer to sign)
Mortgage Manager / Mortgage Introducer Signature: (Customer does not sign)                Date:



                                                                                                               APP 06 - 05/07 Version 1.34
Company Details
Complete a separate page for each Company Applicant.

Which Applicant is this?                              Applicant 1                  Applicant 2               Applicant 3                    Applicant 4

Company Name




Trust name- if Applicant is making this application in its capacity as trustee of a trust


If Applicant is making this application as trustee             Yes            No                                                    Yes             No
                                                                                            Is Applicant a strata corporation?
of a trust, is the trust a Superannuation trust?
ACN                                                                        ABN
                     -                      -                                            -                       -                      -
Current Address
Unit No.                     Street No.                       Street/Road Name                                                              Street Type


 Suburb                                                                                                  State                      Postcode


Post settlement address (if different to current address)
Unit No.                     Street No.                       Street/Road Name                                                              Street Type


 Suburb                                                                                                  State                      Postcode


Accountant’s details (For full doc self employed income earners)
Trading Name


First Name                                                                 Last Name


      Phone Number                                                                           Mobile Phone Number

  (                      )
Company Declaration: Acknowledgement Of Reliance On Information Provided By Applicant
Company Name


Name of company director making declaration on behalf of this company
First Name                                                           Last Name


Note: Do Not Complete Items 1 And 2 If A No Doc Loan:
                                                                                                    $                                               per month
1. I declare that this Company’s average MONTHLY profit before tax is:                                                     ,
2. I declare that this Company has been operating in its industry for:                                                         months

3. I acknowledge that the Company has requested that the Originator & the Lender
   not require documentary evidence of the Company’s income, outgoings, assets and liabilities;
4. I acknowledge that the Credit Providers have relied upon the information contained in the Loan Application, including the above
   information which was provided by the Company in or with its Loan Application in order for the Lender to assess its ability to
   make loan repayments and approve its Loan Application
5. I acknowledge that the Credit Providers have not independently verified the information relating to the Company’s income
   provided by it in or with its Loan Application.
6. And I declare that I am duly appointed by the Company to make these declarations on its behalf and that the information
   provided in or with the Company’s Loan Application is true and correct and that the Company can afford to make the relevant
   loan repayments in accordance with the loan terms and without substantial financial hardship.
Directors Signature:                                                                 Date:


                                                                                                                                 APP 07 - 05/07 Version 1.34
Security Property Details
Security Property Address
Unit No.                    Street No.                         Street/Road Name                                                          Street Type


Suburb                                                                                                    State                      Postcode


Title Particulars (if Known)


Ownership
Who will own this property ?                            Applicant 1                  Applicant 2              Applicant 3                Applicant 4

Property Type                      House                      Apartment                   Serviced Apartment                Duplex

                                   Townhouse                  Unit                        Vacant Land                       Other

If the property is an Apartment or Serviced Apartment:                     - how many storeys are there in the building?
                                                                           - how many apartments are there in the development

Estimated Floor Area:                      square metres

Property Value

Is the property being purchased?                        Yes           No

Complete if “Yes”       }      Contract of sale price           $                ,                   ,
Complete if “No”        }      Estimated Value of Property $                     ,                   ,
Occupation

Is the property a rental investment?                    Yes           No

Complete if “Yes”       }      Rental Value (per Month)         $                ,
First Home Owners Grant

Does this Applicant qualify for First Home Owners Grant Scheme?                           Yes            No

Existing Mortgage Details

Is the property currently mortgaged to anyone?                                            Yes            No

                            First Mortgagee Name                                            Account Number

Complete
if “Yes”         }          Second Mortgagee name (if applicable)                           Account number



Construction

Is the property being constructed?                                                        Yes            No




                                                 (the rest of this page has been left intentionally blank)




                                                                                                                                APP 08 - 05/07 Version 1.34
Security Property Details
Security Property Address
Unit No.                    Street No.                         Street/Road Name                                                          Street Type


Suburb                                                                                                    State                      Postcode


Title Particulars (if Known)


Ownership
Who will own this property ?                            Applicant 1                  Applicant 2              Applicant 3                Applicant 4

Property Type                      House                      Apartment                   Serviced Apartment                Duplex

                                   Townhouse                  Unit                        Vacant Land                       Other

If the property is an Apartment or Serviced Apartment:                     - how many storeys are there in the building?
                                                                           - how many apartments are there in the development

Estimated Floor Area:                      square metres

Property Value

Is the property being purchased?                        Yes           No

Complete if “Yes”       }      Contract of sale price           $                ,                   ,
Complete if “No”        }      Estimated Value of Property $                     ,                   ,
Occupation

Is the property a rental investment?                    Yes           No

Complete if “Yes”       }      Rental Value (per Month)         $                ,
First Home Owners Grant

Does this Applicant qualify for First Home Owners Grant Scheme?                           Yes            No

Existing Mortgage Details

Is the property currently mortgaged to anyone?                                            Yes            No

                            First Mortgagee Name                                            Account Number

Complete
if “Yes”         }          Second Mortgagee name (if applicable)                           Account number



Construction

Is the property being constructed?                                                        Yes            No




                                                 (the rest of this page has been left intentionally blank)




                                                                                                                                APP 09 - 05/07 Version 1.34
Assets
Deposit paid on real estate assets being purchased and to be offered as Security for this application
                                                                                            Which Applicant(s) Owns This Asset?
Property Address                                                 Amount Paid                        1       2    3     4
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
Real estate assets being refinanced and to be offered as Security for this application
                                                                                            Which Applicant(s) Owns This Asset?
Property Address                                                 Estimated Value                    1       2    3     4
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
Real estate assets NOT on this application
                                                                                            Which Applicant(s) Owns This Asset?
Property Address                                                 Estimated Value                    1       2    3     4
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
Motor Vehicles
                                                                                            Which Applicant(s) Owns This Asset?
Make / Model                                                     Estimated Value                    1       2    3     4
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
Shares/ Managed funds
                                                                                            Which Applicant(s) Owns This Asset?
Description                                                      Estimated Value                    1       2    3     4
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
Business Assets
                                                                                            Which Applicant(s) Owns This Asset?
Description                                                      Estimated Value                    1       2    3     4
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
Cash at Bank
                                                                                            Which Applicant(s) Owns This Asset?
Description                                                      Amount                             1       2    3     4
                                                             $      ,              ,
                                                             $      ,              ,
                                                             $      ,              ,
Other Assets
                                                                                            Which Applicant(s) Owns This Asset?
Description                                                      Estimated Value                    1       2    3     4
                                                             $      ,              ,
                                                             $      ,              ,
                                                                                                     APP 10 - 05/07 Version 1.34
Liabilities & Expenses
New Loan(s) the subject of this Application
Loan Accounts                                       Monthly Repayment          Requested Loan Amount
Loan Account 1                                  $           ,                  $        ,             ,
Loan Account 2                                  $           ,                  $        ,             ,
Existing Mortgages over the Security property(s) on this Application
                                                                                                           Being paid   Which Applicant(s)
                                                                                                             out at     Owes This Liability?
Property Address/ Mortgagee                                             Payout Figure                     settlement?   1    2     3        4
                                                                    $      ,                 ,                X
                                                                    $      ,                 ,                X
                                                                    $      ,                 ,                X
                                                                    $      ,                 ,                X
Other Mortgages over property(s) not subject to this Application
                                                                                                           Being paid   Which Applicant(s)
                                  Is this an                                                                 out at     Owes This Liability?
Property Address/ Mortgagee   investment loan?
                                             Monthly Repayment          Current Limit                     settlement?   1    2     3        4
                                          $          ,              $      ,                 ,
                                          $          ,              $      ,                 ,
                                          $          ,              $      ,                 ,
Credit cards/ Store cards/ Interest free store facilities
                                                                                                           Being paid   Which Applicant(s)
                                                                                                             out at     Owes This Liability?
Card type/ Lender                                                                   Current Limit         settlement?   1    2     3        4
                                                                                $            ,
                                                                                $            ,
                                                                                $            ,
                                                                                $            ,
Personal Loan/ Overdraft/ Line of Credit/ Car or equipment loan or lease
                                                                                                           Being paid   Which Applicant(s)
                                                                                                             out at     Owes This Liability?
Description/ Lender                           Monthly Repayment         Current Balance                   settlement?   1    2     3        4
                                          $          ,              $      ,                 ,
                                          $          ,              $      ,                 ,
                                          $          ,              $      ,                 ,
                                          $          ,              $      ,                 ,
Unpaid Defaults / Judgments
                                                                                                           Being paid   Which Applicant(s)
                                                                                                             out at     Owes This Liability?
Description                                                                    Amount                     settlement?   1    2     3        4
                                                                          $                  ,
                                                                          $                  ,
Rental Expense
                                                                                                           Being paid  Which Applicant(s)
                                                                                                             out at   Pays This Expense?
Property Address                                                                    Monthly Expense       settlement? 1     2     3       4
                                                                                $            ,
                                                                                $            ,
Other Expenses
                                                                                                           Being paid  Which Applicant(s)
                                                                                                             out at   Pays This Expense?
Property Address                                                                    Monthly Payment       settlement? 1     2     3       4
                                                                                $            ,
                                                                                $            ,
                                                                                $            ,
                                                                                $            ,
                                                                                                                  APP 11 - 05/07 Version 1.34
Income             Do not complete if a No Doc loan
Self employed income (Full Doc)                                                                                    Which Applicant(s)
                                                                                                                   Earns This Income?
Description                                                             Gross Monthly Income                       1     2      3     4
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
Self employed income (Self Certified, as per Self Certified Declaration)                                           Which Applicant(s)
                                                                                                                   Earns This Income?
Description                                                             Gross Monthly Income                       1     2      3     4
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
PAYG- Full time income                                                                                             Which Applicant(s)
                                                                                                                   Earns This Income?
Employer                                                                Gross Monthly Income                       1     2      3     4
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
PAYG - Part Time, Casual, Bonus, Commission, Shift Or Motor Vehicle Allowance Income                               Which Applicant(s)
                                                                                                                   Earns This Income?
Employer                                                                Gross Monthly Income                       1     2      3     4
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
PAYG - Overtime Income                                                                                             Which Applicant(s)
                                                                                                                   Earns This Income?
Employer                                                                Gross Monthly Income                       1     2      3     4
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
                                                                    $                  ,
Rental Income                                                                                                      Which Applicant(s)
                                                                                                       Is this a
                                                                                                      Security     Earns This Income?
Rental Property Address                                                        Gross Monthly Income   property?    1     2      3     4
                                                                           $           ,
                                                                           $           ,
                                                                           $           ,
                                                                           $           ,
Investment income (dividends, annuities, interest)                                                                 Which Applicant(s)
                                                                                                                   Earns This Income?
Description                                                                    Gross Monthly income                1     2      3     4
                                                                           $           ,
                                                                           $           ,
                                                                           $           ,
                                                                           $           ,
                                                                                                             APP 12 - 05/07 Version 1.34
THE FOLLOWING LOW DOC AND NO DOC
DOCUMENTATION ONLY NEEDS TO BE SIGNED FOR
THE PREMIUM PRIME RANGE OF PRODUCTS.
                         Borrower Income Declaration for the LoDoc Loan
                      A separate declaration must be made by each borrower and guarantor.
                  This acknowledgment can be used where the statements relate to a company.
Where this form is to be used for a company, this form is to be signed by one director OR two directors OR one director
 and the secretary in accordance with the company’s constitution, and each signatory must fill out a separate form.


                     Acknowledgement of Reliance on Information Provided By Borrower
 To: Power Loans (Australia) Pty Ltd ABN 20124882426
 Borrower: [                                                                                                                    ]
 I acknowledge that Power Loans (Australia) Pty Ltd have relied upon the information contained in the application for credit
 (“application”) including the following information provided by me in or with the application in assessing whether to approve the
 application:
 Total Income:       $                                     per annum
 Loan Amount: $                                            Initial repayments (these may change): $                             per month
 I acknowledge that Power Loans (Australia) Pty Ltd have not independently verified the information relating to my personal
 income provided by me in or with the application.
 I declare that the information provided in or with the loan application is true and correct and that I can afford to make the loan
 repayments without any undue financial hardship.



 Dated:                  (Insert Date)      Signed in my presence by:
 Print Name of Borrower:                                                         Borrower’s Signature:

 Who is personally known to me                                                                              (Signature of Witness)

 Print Name of Witness:                                                              Occupation

 Address of Witness:                                                                                         P/Code
                           Loan Affordability Declaration NoDoc Loans
                      A separate declaration must be made by each borrower and guarantor.
                 This acknowledgement can be used where the statements relate to a company.
Where this form is to be used for a company, this form is to be signed by one director OR two directors OR one director
 and the secretary in accordance with the company’s constitution, and each signatory must fill out a separate form.



  To: Power Loans (Australia) Pty Ltd
        (Lender/Credit Provider) Above

  Borrower: [                                                                                                             ]

      I confirm that I have requested you to assess my loan application without requiring me to
  provide evidence of my income and outgoings, and assets and liabilities. I am aware that you are
  prepared to review all this information and make your own assessment, but I have specifically asked
  you to accept my assurance of my ability to repay.
       I understand that the estimated initial repayments are $                                  per month and if
  the interest rate changes, the amount of these repayments may also change.
       I am satisfied that I will be able to meet my repayments on the due date without undue hardship,
  and I am satisfied that my obligations under this loan will not adversely impact on my ability to meet
  all my other financial obligations (including living expenses) as and when they fall due.
        I acknowledge that you are relying on this statement in considering whether or not to approve
  this loan application.



  Dated:        /      /

  Full Name of person making declaration                                 Signature of person making declaration




                                                                                                                          050228
THE FOLLOWING LOW DOC AND NO DOC
DOCUMENTATION ONLY NEEDS TO BE SIGNED FOR
THE NON CONFORMING, HIGH LVR AND
COMMERCIAL PRODUCTS.
Individual Self Certified Declaration (Lo Doc) /
Loan Affordability Declaration (No Doc)
Complete a separate page for each Individual Applicant

Which Applicant is this?                             Applicant 1                Applicant 2               Applicant 3            Applicant 4

Name of Individual Applicant making this declaration
First Name                                                          Last Name


                             ABN (if Self Employed income earner)                                             Months self employed
DO NOT
                                        -                  -                     -                                              months
COMPLETE IF A            }
NO DOC LOAN:                 My average GROSS MONTHLY income is:                $                     ,                   per month



Which Applicant is this?                             Applicant 1                Applicant 2               Applicant 3            Applicant 4

Name of Individual Applicant making this declaration
First Name                                                          Last Name


                             ABN (if Self Employed income earner)                                             Months self employed
DO NOT
                                        -                  -                     -                                              months
COMPLETE IF A            }
NO DOC LOAN:                 My average GROSS MONTHLY income is:                $                     ,                   per month



Which Applicant is this?                             Applicant 1                Applicant 2               Applicant 3            Applicant 4

Name of Individual Applicant making this declaration
First Name                                                          Last Name


                             ABN (if Self Employed income earner)                                             Months self employed
DO NOT
                                       -                   -                     -                                              months
COMPLETE IF A            }
NO DOC LOAN:                 My average GROSS MONTHLY income is:                $                     ,                   per month


I / we acknowledge that:
1. I / we have requested the Credit Providers to not require documentary evidence of my income, outgoings, assets and liabilities.
2. the Credit Providers will rely upon the information contained in the Loan Application, including the above information which was
   provided by me / us in or with my Loan Application in order for the Lender to assess my ability to make loan repayments and
   approve my Loan Application
3. the Credit Providers have not independently verified the information relating to my/ our income provided by me / us in or with my /
   our Loan Application
4. I / we declare that the information provided in or with my / our Loan Application is true and correct and that I / we can afford to
   make the relevant loan repayments in accordance with the loan terms and without substantial financial hardship
5. I / we have considered my / our financial position and have or will seek appropriate financial and other relevant advice as I / we
   consider appropriate in connection with my / our proposed loan
 Applicants Signature:                                                                        Date:


 Applicants Signature:                                                                        Date:


 Applicants Signature:                                                                        Date:



                                                                                                                         APP 13 - 05/07 Version 1.34
Declarations
                    Permission to obtain and disclose credit and personal information
What            The Privacy Act 1988 (Act) allows certain information        • payments overdue for at least 60 days and for which
information     about the applicant and any guarantor referred to in           collection action has started
can be          this application (you) to be disclosed, including:           • cheques for more than $100 drawn by you which
disclosed?      • details to identify you, such as your name, sex, date        have been dishonoured more than once
                   of birth, current and 2 previous addresses, your          • in specified circumstances, that in our opinion you
                   current or last known employer, and your driver’s           have committed a serious credit infringement
                   licence number                                            • the fact that credit provided to you by us has been
                • the fact that you have applied for credit and the            paid or otherwise discharged
                   amount or that we are a current credit provider to        • other information about credit standing, worthiness,
                   you, or that you have agreed to be a guarantor              history or capacity that credit providers can disclose
                • advice that payments previously notified as unpaid           under the Act, including a credit report.
                   are no longer overdue


                Credit Providers                                             Guarantors
Who can give    We (your loan originator) and our related corporations,      The Credit Providers may give a guarantor, or a person
or obtain       any introducer, dealer or broker referred to in the loan     who is considering becoming a guarantor, credit
information?    application, any person assisting in processing the loan     information about you for the purpose of enabling the
                application, and other entities involved in the funding or   guarantor to decide whether to act as guarantor or to
                securitisation of your loan, (the Credit Providers) may:     keep informed about the guarantee.
                • obtain a commercial and a consumer credit report
                  containing information about you from a credit             Lenders mortgage and trade insurers
                  reporting agency                                           A lender’s mortgage insurer or a registered trade
                • exchange credit information about you with each            insurer may obtain a consumer credit report about you
                  other, and                                                 from a Credit Provider or from a credit reporting
                • exchange credit information about you with any             agency to assess whether to provide lenders mortgage
                  credit reporting agency and any other provider of          insurance to us in relation to an application for
                  credit to you named in your credit application or a        consumer credit, or whether to provide trade insurance
                  credit report from a credit reporting agency.              to us in relation to an application for commercial credit.



When can        This information can be obtained or disclosed by the         • if you are in default under a credit agreement,
information     Credit Providers before, during or after the provision of      notifying, and exchanging information with, other
be obtained     credit, for the various purposes prescribed by the Act         credit providers and any collection agent of ours
or disclosed?   including:                                                   • to allow a credit reporting agency to create or
                • assessing your application for consumer or                   maintain a credit information file about you.
                   commercial credit or to be a guarantor for the
                   applicant, assessing your credit worthiness,
                   managing your loan or the arrangements under
                   which your loan is funded or collecting overdue
                   payments

                                Privacy notice in respect of personal information
General         Your right to privacy is important to us. This statement     (or be linked to) notices and requests for consent
                explains the types of information the Credit Providers       required by the Privacy Act 1988.
                hold about you and any guarantor referred to in your         The application form or website screen which collects
                loan application, your privacy rights and our general        your personal information will specify how we use and
                rights and obligations in relation to your personal          disclose your information in more detail.
                information.                                                 You may request access at any time to personal
                When you apply for a loan with us, the application form,     information held by us about you and ask us to correct
                whether paper-based or electronic, will contain              it if you believe it is incorrect or out of date.

What types of   The Credit Providers hold information that identifies        property which secures your loan.
information     you, such as your name and address and other                 During the course of our relationship with you, the
the Credit      information provided by you and people nominated by          Credit Providers may gather information about you
Providers       you when you made the loan application.                      relating to other products and services that the Credit
hold about      The Credit Providers may also hold or collect                Providers or our preferred providers provide to you and
you             information obtained from other sources, such as a           form views about how the Credit Providers can improve
                credit report about you and valuers reports about any        our relationship with you.



                                                                                                              APP 14 - 05/07 Version 1.34
Declarations (continued)
                         Privacy notice in respect of personal information (continued)
How the         We use your personal information to:                             We may also use your personal information to:
Credit          • help us process any application you make for new               • analyse products and customer needs and develop
Providers         products or services;                                            new products; and
may use your    • administer and manage all products or services we              • inform you of products and services provided by us
personal          provide to you; and                                              or our preferred providers which we consider may be
information                                                                        of value or interest to you, unless you tell or have
                • facilitate our internal business operations, including
                  fulfilling legal requirements and conducting                     previously told us not to.
                  confidential systems maintenance and testing.

The Credit      The Credit Providers may disclose your personal                  • to any party acquiring an interest in your loan and
Providers’      information, if it is necessary to do so in the following          any related securities provided by you or any other
rights to       circumstances:                                                     person (including mortgages and guarantees);
disclose your   • to our external service providers (which may be                • to government agencies, in connection with your
personal           located overseas) that provide services for the                 mortgage, for example to stamp and register
information        purposes only of our business, on a confidential                mortgages;
                   basis, for example, our lenders’ mortgage insurer,            • to anyone acting on your behalf, for example your
                   registered trade insurer, mailing house, valuers,               financial broker, solicitor or accountant, unless you
                   surveyors, auctioneers, real estate agents and debt             tell us not to, referees, or any financial institution
                   collectors;                                                     nominated by you (for example in a direct debit
                • to other persons who have an interest in any                     form) or anyone else you request; and
                   property offered to us as security;                           • where the law requires or permits us to do so or if
                • to a guarantor, or person who is considering                     you consent.
                   becoming a guarantor;

Your            By continuing to maintain a loan with us, you
authority to    consent to us maintaining, using and disclosing
the Credit      your personal information in the manner set out in
Providers       this privacy statement.

Marketing       The Credit Providers may use, and share with our                 If you do not want to receive any information about
purposes        related entities, information about you other than               products and services (supplied by us or our
                information only available from a credit file for                preferred providers) which we consider may be of
                marketing our products with you.                                 value or interest to you, please check tick this box

Acknowledg-     By signing this application, you acknowledge having              You authorise the persons named to give and obtain, in
ement           read and understood this permission to obtain and                accordance with the Privacy Act, the information
                disclose information.                                            specified above until the credit is repaid in full.




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                                                                                                                  APP 15 - 05/07 Version 1.34
Declarations (continued)
                                                 Borrower Benefit Declaration
I / we declare that all borrowing entities will receive a financial benefit from any credit provided pursuant to this Application.
                                                       General Declarations
1. I / we declare that I / we will not use any Credit provided pursuant to this Application for unlawful or criminal purposes or for the
   repayment of debts incurred through gambling.
2. I / we acknowledge that the Credit Providers will rely upon the information contained in this Application including the information
   which was provided by me / us in or with my/ our Application in order for the Credit Providers to assess my/ our ability to make
   loan repayments and approve this Application.
3. I / we declare that the information I / we have provided in this Application is correct and complete to the best of my/our knowledge
   and belief.
4. I / we declare that the loan product options requested have been described to me / us in detail to my/our satisfaction by a
   representative of the mortgage manager and I / we feel comfortable with the loan for which I / we apply.
5. I / we have considered my/our financial position and have or will seek appropriate financial and other relevant advice as I / we
   consider appropriate in connection with my/our proposed loan.
6. I / we acknowledge that no fee or charge (including without limitation any lenders’ mortgage insurance premium) paid or to be paid
   in respect of my/our application (or any loan made as a result of that application) is refundable in any circumstances unless
   expressly stated in the loan contract.


All Applicants to sign and date below
Applicants Signature:                                                                        Date:




Applicants Signature:                                                                        Date:




Applicants Signature:                                                                        Date:




Applicants Signature:                                                                        Date:




                                             (the rest of this page has been left intentionally blank)




                                                                                                                  APP 16 - 05/07 Version 1.34
  PRIVACY ACT 1988 CONSENT
   I/We acknowledge that I/we have made an application for credit from POWER LOANS (AUSTRALIA) PTY LTD.
   POWER LOANS (AUSTRALIA) PTY LTD may use the personal information I/we provide for the purpose of
   providing credit and subject to the provisions of the Privacy Act, I/we may have access to personal information collected and
   held by LEGACY FINANCIAL SERVICES, and the Lenders and Insurers noted in the Schedule. I/We may contact these
   companies for access to my/our personal information held (if any) by contacting the Privacy Officer at the address or in the
   manner disclosed in the Schedule.


   Authority to exchange information with other credit providers
   In accordance with Section 18N(1)(b) of the Privacy Act, I/we authorise POWER LOANS (AUSTRALIA) PTY LTD to give and
   obtain from credit providers named in this credit application, and credit providers that may be named in a credit report issued
   by a credit reporting agency, information about my/our credit arrangements. I/We understand this information can include
   any information about my/our credit worthiness, credit standing, credit history, or credit capacity that credit providers are
   allowed to give or receive from each other under the Privacy Act 1988.

   The Lender will or may seek lenders mortgage insurance from one or more insurers in respect of the repayment of any
   finance that the Lender may provide or in respect of any mortgage that may be given to secure the repayment. In this
   Notice, each of the insurers listed in the Schedule is referred to as “insurer" so that a reference below to the Insurer means
   each of them acting alone or any or all of them acting collectively.

   I/we note that lenders mortgage insurance insures the Lender against loss on default under a mortgage finance arrangement
   the Lender has with me/us. I/We do not receive the benefit of the lenders mortgage insurance policy.

   Where the Lender applies to the Insurer for insurance in connection with:
   • any finance sought by me/us from the Lender (whether sought by I/we alone or with others); or
   • any mortgage and/or guarantee given or to be given by me/us (whether alone or with others) to secure the repayment of
      any finance provided or to be provided by the Lender;
   The Insurer will be collecting personal information about me/us.

   The Lender and Insurer will be collecting any such personal information about me/us for the purposes of:
   • assessing the risk of providing lenders mortgage insurance to the Lender in respect of finance sought by me/us from the
      Lender;
   • assessing the risk of me/us defaulting on your obligations to the Lender in respect of which the Insurer may provide (or
      has provided) lenders mortgage insurance;
   • assessing the risk of me/us being unable to meet a liability that might arise under a guarantee entered into, or proposed
      to be entered into, in respect of mortgage finance given (or to be given) by the Lender to another person;
   • the subsequent administration or variation of any lenders mortgage insurance cover provided;
   • risk assessment and management involving securitisation, credit scoring, portfolio analysis, reporting and fraud
      prevention and claim recovery; and
   • complying with legislative and regulatory requirements.

   Without the provision of my/our personal information to the Lender and Insurer, the Insurer may be unable to process or
   accept the Lender's application for lenders mortgage insurance and the Lender may be unable to provide the mortgage
   finance requested.

   By signing the acknowledgment below, I/we agree and consent to the Lender and Insurer using and disclosing the personal
   information it collects about me/us for the purposes set out above (subject to any restrictions imposed on the Lender and
   Insurer by Privacy Act 1988):
   The Lender and Insurer will usually or may disclose personal information of the kind it collects about me/us to:
   • its related companies;
   • re-insurers;
   • credit reporting agencies;
   • its service providers;
   • its agents, contractors, and external advisers;
   • my/our referees, including my/our employer;
   • my/our legal and financial advisers;
   • government and other regulatory bodies;
   • ratings agencies;
   • guarantors and prospective guarantors
   • title insurers
   • other financial institutions and credit providers
   • all parties involved in securitization; and
   • payment system operators other financial institution and credit providers.

   In this Notice, a reference to POWER LOANS (AUSTRALIA) PTY LTD the Lender or the Insurer includes a
   reference to their respective successors and permitted assigns.




1205
   By signing the acknowledgment below, I/we agree and consent (subject to the restrictions imposed on the Insurer by the Privacy

   Act) to any such disclosures of your collected personal information by the Lender and Insurer, regardless of when or how the
   information was collected, even though some of the organisations may be overseas

   If and to the extent that the Lender and Insurer does so in a manner and for purposes that conform with the Privacy Act, by
   signing the acknowledgment below, I/we agree and consent to:

   •      the Lender and Insurer obtaining information about my/our commercial activities and commercial credit worthiness from a
          business which provides information about the commercial credit worthiness of persons, and to the Insurer using that
          information in assessing the application of the Lender for lenders mortgage insurance;

   •      to the Lender and Insurer giving to and receiving from any credit providers named in the application for finance, and any
          credit providers named in a credit report issued by a credit reporting agency, information about my/our credit
          worthiness, provided that the information is given or received for the purpose of assessing the Lender's application for
          lenders mortgage insurance; and
   •      to the Lender and Insurer obtaining a commercial and/or consumer credit report containing personal information about
          me/us from a credit reporting agency and to the Insurer using that report or any information derived from the report in
          assessing the Lender's application for lenders mortgage insurance in respect of either consumer credit or commercial
          credit provided by the Lender, and for any other purposes permitted under the Privacy Act.
                                                             SCHEDULE
   1. In this Notice, the "Lender" means each and every one of the following organisations
      (whether acting individually or together):

       Legacy Financial Services Pty Ltd (and associated entities)                               ABN: 83 010 151 047

       668 Burwood Road, Hawthorn Vic 3123                                                Telephone: 1300 534 229

       Perpetual Trustees Victoria Limited (and associated entities)                             ABN: 47 004 027 258

       Level 28, 360 Collins Street, Melbourne 3000                                       Telephone: 03 8628 0400

       Power Loans (Australia) Pty Ltd (and associated entities)                                 ABN: 20 124 882 426

       668 Burwood Road, Hawthorn vic 3123                                                Telephone: 1300 534 229

       First Mortgage Company Home Loans Pty Ltd                                                  ABN 45 104 268 448

       Level 42 The Gateway Building, 1 Macquarie, Sydney NSW 2000

       J P Morgan Trust Australia Limited (and associated entities)                              ABN: 49 050 294 052

       Level 35, AAP Centre, 259 George Street, Sydney 2000                               Telephone: 02 9250 4147

       2. In this Notice, the "Insurer" means each and every one of the following organisations
          (whether acting individually or together):

       GE Mortgage Insurance Company Pty Ltd                                                        ABN: 60 106 974 305

   Level 23,259 George Street, Sydney 2000                                                    Telephone: 02 8248 2500

   PMI Mortgage Insurance Limited                                                                   ABN: 70 000 511 071

   Level 23,50 Bridge Street, Sydney 2000                                                     Telephone: 02 9231 7777

                                       SIGNATURE OF APPLICANT / GUARANTOR
  I/we declare that I am/we are over the age of 18 and the information contained in this application are true and correct
  in every particular and it is upon this basis that I/we make this application for credit. I/we also confirm our agreement
  to the matters set out above:


   SIGNATURE ( 1 )                                       PRINT NAME                                      DATE


   SIGNATURE ( 2 )                                       PRINT NAME                                      DATE




1205
Application for Finance
                                                                                                              Fax to: 03 98135433
Originator Code
Originator Sale
Person’s Name

Proposed Settlement Date
                                    D       D       M   M       Y      Y

Application Type                        New Loan                           Variation                          Pre-Approval

Expected Delivery Rate                          .              %

Trail %                                         .              %

Marginisation %                                 .              %       resulting in an upfront commission of:           .              %

Loadings:
Is the LMI fee to be included in rate?                  Yes                 No

Complete                                                                      Complete
if “Yes”   }   LMI loading % p.a.               .              %              if “No”       }   LMI Fee $               ,
Construction %                                  .              %
                                                                                                                                 (e.g. S- 21, from
Expected Borrower Rate %                        .              %      Expected Product Code                       -              product matrix)

Application Fee              $          ,                      (including valuation and processing fee)

Collected to Date            $          ,
Does this Application qualify for First Home Owners Grant Scheme?                                       Yes                 No




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                                                                                                                      APP 17 - 05/07 Version 1.34
                                        MORTGAGE MANAGER’S CHECKLIST
       The following information is to be submitted prior to Conditional Approval
       Fully completed Application Form:

       -   Loan Details (max two sub- accounts)

       -   Individual Details (one per Individual Applicant)

       -   Company Details (one per Company Applicant)

       -   Statement of Position: Assets, Liabilities, Income & Expenses (one per Application)

       -   Applicant Identity Verification (one table per individual Applicant)

       -   Security Property Details (one per Security property)

       -   Income Declaration (one per Applicant, claiming Self Employed (Self Certified) income)

       -   Declaration page signed by all Applicants

        If any Security property is being refinanced, 6/ 12 months statements for the mortgage(s) being refinanced

        If any Security property is being constructed, the schedule to the Fixed Price Building Contract showing builder’s details
        progress payments and expected completion date (if applicable)

        Photocopies of identification documents representing 100 points of Identification per Individual Applicant

        If a Lo Doc or Full Doc loan, bank statements enabling confirmation of receipt of income and of management of affairs and
        evidence of dishonours or missed payments

        Completed First Home Owners Grant Scheme application (if applicable)

        Unless an application for pre- approval, a completed valuation by an Approved Valuer for each Security property, with a
        valuation date less than 3 months prior to application submission date

        Up to 3 month’s transaction statements (depending on product) and copy of Medicare Card



Mortgage Manager / Mortgage Introducer Declaration
I declare that I have sighted the Originals of all Documentation supporting the loan as above (e.g Payslips/Group Certificates etc)
and that the photocopies provided are a true representation of the documents sighted

Signed (the Mortgage Manager / Mortgage Introducer to sign)
Mortgage Manager / Mortgage Introducer Signature: (Customer does not sign)                   Date:




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                                                                                                             APP 18 - 05/07 Version 1.34

				
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