residential investment loan

ANZ home loan and residential investment loan application form Please print clearly Customer details Title First name(s) Customer 1 Title Customer details First name(s) Customer 2 Family name Date of birth Are you a permanent resident of New Zealand? Are you applying as a guarantor for this application? If yes, please fill in the Customer details, Statement of position, Guarantors details and Customer declaration. Family name Gender: Ye s F No Ye s No M Date of birth Are you a permanent resident of New Zealand? Are you applying as a guarantor for this application? If yes, please fill in the Customer details, Statement of position, Guarantors details and Customer declaration. Gender: Ye s F No Ye s M No Current housing situation: Boarding Marital status: Single Married Separated Divorced Age(s) ( ( ) ) Defacto Widowed Renting Living with parents Own home Other Current housing situation: Boarding Marital status: Single Married Separated Divorced Age(s) ( ( ) ) Defacto Widowed Renting Living with parents Own home Other Number of dependants Home phone Business phone Mobile phone E-mail address Current residential address Number of dependants Home phone Business phone Mobile phone E-mail address Current residential address Postcode Time there Yrs Mths Postcode Time there Yrs Mths Previous address (if above is less than 2 years) Previous address (if above is less than 2 years) Postcode Mailing address Time there Yrs Mths Postcode Mailing address Time there Yrs Mths Employment type: Casual Are you self employed? Occupation Full-time Unemployed Yes Part-time Contract No Temporary Under a probationary period Employment type: Casual Are you self employed? Occupation Full-time Unemployed Yes Part-time Contract No Temporary Under a probationary period Employer name and address Employer name and address Period employed Phone Fax Yrs Mths Phone Period employed Fax Yrs Mths Name and address of previous employer (if above is less than 2 yrs) Name and address of previous employer (if above is less than 2 yrs) Period employed Yrs Mths Period employed Yrs Mths Please print clearly Guarantor details Are you acting as guarantor for a loan taken out by someone else (other than the applicant)? Name of debto r, bank or institution where debt is held Detail security provided Statement of position If you are self employed you may need to enclose a copy of your last 2 years’ balance sheets/annual accounts and profit and loss accounts. Evidence of all income, employment, deposits and liabilities (i.e. credit card, hire purchase and other loans) may be required. Yes No Amount: $ Assets Deposits with: ANZ Other financial institutions Other cash assets (shares/bonds) Total property assets Deposit paid on property Total number of motor vehicles Total value of motor vehicles Total other assets (e.g. insured value of contents and valuables, boat, etc) Total assets (1) Less total liabilities (2) Net assets (1 – 2) Present value Liabilities ANZ home or residential investment loans Other ANZ loans Loans with other financial institutions Overdrafts with: ANZ Other financial institutions Limits Amounts owing $ $ $ $ $ $ $ $ $ $ Limits $ $ $ $ $ $ $ Credit cards: ANZ credit cards Other credit /store cards Hire purchase Other liabilities (e.g. tax) Total liabilities (2) $ $ $ $ $ $ $ Income (average monthly) Base salary (permanent employment) Customer 1: Customer 2: Gross $ Gross $ Net $ Net $ Expenditure (average monthly amount) Average monthly Bank use only Repayments for: This loan Other ANZ loans $ $ $ $ $ $ $ $ $ $ $ Other income (e.g. regular overtime, commissions/allowances, additional part time/casual employment, interest/dividends) Government benefits and pensions Rent received (monthly gross) Board income (monthly gross) Bank use only $ $ Loans at other financial institutions Credit cards/store cards Hire purchase/lease payments $ $ Number of boarders All other living expenses (e.g. food, $ clothing, car expenses, utilities, insurance, rates, education expenses, etc) All other commitments (e.g. tax, child maintenance) Rent/board (only if rental is to continue after loan is drawn down) Total monthly expenditure (4) $ $ $ Rent extended at % as per current policy $ $ $ $ $ $ $ Total net monthly income (3) Less total monthly expenditure (4) Uncommitted monthly Income (3 – 4) Loan requirements You will have the opportunity to discuss your requirements with an ANZ staff member. If you are unsure of any option, we will assist you to complete this once we have discussed your specific needs. Type of loan? Home loan Residential investment loan Fixed Top up Lock rate Standard variable Term of loan Yes No Funds required by Do you want your address to change at drawdown? Yes No Interest only Yrs ANZ FlexiPlus Mths Split loan Which interest rate arrangements are you interested in? How much do you wish to borrow? Are you seeking pre-approval? $ Please print clearly Transaction Account Would you like an ANZ transaction account? Yes (ask us for a copy of the terms and conditions) Would you like an overdraft with your account (no overdraft application fee will be charged) Yes (choose preferred option from below) $500 ANZ overdraft facility (pre-approved with ANZ home or residential investment loan drawdown) $1,000 ANZ overdraft facility (pre-approved with ANZ home or residential investment loan drawdown) Specify ANZ overdraft facility required $ (subject to approval) Ask us for a copy of the terms and conditions. A copy of the current Disclosure Statement of ANZ, part of ANZ National Bank Limited, is available from any ANZ branch. ANZCover insurance protection Once you have your home make sure you protect it. ANZ has a range of insurance solutions that can be tailored to protect you and your dependants from the financial effects of life’s unexpected events. Protecting your home Have you arranged insurance protection for your new property? No Yes ANZCover Mortgage Protector Insurance provides a selection of benefits to ensure that, should the unexpected happen, your family’s home is secure. Would you like to know more about ANZCover Mortgage Protector Insurance? What else can we offer to protect you? How much cover? $ At ANZ, we understand that your need for protection extends beyond house and mortgage protection. So we have a range of other protection products designed to ensure you can receive the maximum protection you need for you and your family. What would you like to know more about? ANZCover Lifestyle Protection Plan ANZCover Motor Protection Insurance If yes, have you put in place: Full replacement cover, or Present day value ANZCover provides competitively priced insurance protection for house, contents and residential investment properties. Would you like to know more about insurance protection for: House Protecting your life How would you meet your loan repayments if you were unable to work through illness or death? Do you have existing cover? No How much? Yes $ If yes, with who? Contents Residential investment property Please note that discounts apply for customers who have more than one policy in the ANZCover range. ANZCover Mortgage Protector Insurance and ANZCover Lifestyle Protection Plan are underwritten by ING Insurance Services (NZ) Limited. ANZCover House and Contents, Residential Investment Property and Motor Protection Insurance are underwritten by TOWER Insurance Limited. Terms, conditions and exclusions apply. Please see the policy documents. Customer authority/Declaration Information you provide to ANZ will be kept strictly confidential and will be securely held by ANZ and/or within the companies in the ANZ Group. You have a right to access the information by enquiring at any branch of ANZ and you may also request that it be corrected. A fee may be payable. So ANZ can ensure your information is accurate, please let us know of any changes in your personal details, such as your address. ANZ may use this information to: > consider your application for facilities, products or services; > administer, manage and monitor any facilities, products or services provided to you; > conduct market research, data processing and statistical analysis; and > unless you disagree, provide you with information about other facilities, products or services, including select third party products or services. I do not wish to receive information about other facilities, products or services. ANZ may disclose information about you to the ANZ Group, agents or contractors for the above purposes. ANZ may disclose information about you to credit reference agencies for the purpose of obtaining credit reports on you. Those credit reference agencies may retain that information and provide it to their customers who use their credit reporting services. If you default in any obligations to ANZ, then ANZ may disclose information about you to credit reference or debt recovery agencies and it may be retained by them. Those agencies may provide that information to their customers who use their credit reporting services. ANZ may also disclose account information to any authorised signatory to your accounts. ANZ may obtain information and make such enquiries about you as ANZ may consider warranted from any source, including the ANZ Group and credit reference agencies for the above purpose. I/We declare that: 1. The information in this application forms the basis of the agreement between me/us and ANZ. 2. I/we certify that the information on this application is true and correct. 3. I/we certify that I/we am/are not less than 18 years of age. 4. I/we certify that I/we am/are not (an) undischarged bankrupt(s) and am/ are not liable under any proceedings under the Insolvency Act 1967 or the Insolvency Act 2006 and their amendments. Your signature: Signature: Date: / / Joint applicant signature: Signature: Date: / / ANZ pre-approved credit card application If you are approved for an ANZ home loan, you are automatically entitled to a pre-approved ANZ credit card. You can choose an ANZ credit card from the options below and receive a one year annual account fee waiver, and a credit limit of up to $10,000 (your credit limit is set by ANZ in its sole and absolute discretion). This offer is valid for 90 days from the time your ANZ home loan is approved. So don’t miss out on this offer. Complete the acceptance form below and return it to your ANZ Personal Banker, Personal Manager or Mobile Mortgage Manager. Are you looking for a: (Please tick one) Low rate card? The current interest rate is available at anz.co.nz Low fee card? The annual account fee for these products is displayed on the Credit Card Fees and Charges brochure Rewards card? ANZ MasterCard ANZ Everyday Rewards Visa Everyday Rewards ANZ Low Rate MasterCard ANZ Visa Qantas ANZ Visa Q Qantas Frequent Flyer number 4055 4700 0000 0000 4988 EXPIRATIO EXPIRATION EXPIRATION A DAT DATE A DATE 5402 EXPIRATION EXPIRATION A DATE A DATE 4055 EXPIRATION DATE 00/00 0 EXPIRATION DATE O Only complete if applying for a Q Qantas ANZ Visa Please note this card will still inc the annual incur nnual fee of $58 for the primary cardholder and $18 for the secondary cardholder. To ensure that you earn Qantas Frequent Flyer points directly please provide your Qantas directly, ent l pro Frequent Flyer number. If you are not already a Qantas Frequent Flyer member, please call 0800 101 500 or visit www.qantas.com/frequentflyer to apply. A $50 joining fee will apply. My personal details My name: My address: My home phone number: My date of birth: D D M M Y Y Y Y The name I’d like on my card An additional card (optional) I’d like an additional ANZ credit card for someone else. (Note: they must be aged 16 years or over, and you will be responsible for any transactions they make). Their title: Their surname: Their first name: Their middle initial: The name they’d like on their card: Their date of birth: D D M M Y Y Y Y Transferring money from another credit card (optional) Please transfer the debit amount below from my non-ANZ credit card to my new ANZ credit card account. I understand that ANZ may choose to transfer less than the nominated amount if it is greater than 95% of the credit limit approved by ANZ. I understand that if I want to close my non-ANZ credit card, I’ll have to contact the issuer of the card to arrange closure. For full ANZ balance transfer terms and conditions, please refer to ANZ’s Credit Card Terms and Conditions brochure. Amount to transfer: The name on the card is: The non-ANZ credit card number is: $ This card is issued by: (eg BNZ, ASB, Westpac) ANZ Credit Card Repayment Insurance (optional) I accept ANZ Credit Card Repayment Insurance. (You must be between 18 and 99 years of age to be eligible for ANZ Credit Card Repayment Insurance. Your premium is 79 cents for every $100 owing (or part thereof) at the monthly statement date. Your premium will be automatically charged to your credit card account. Terms, conditions and exclusions are set out in the ANZ Credit Card Repayment Insurance Policy brochure, which will be sent to you. ANZ Credit Card Repayment Insurance is underwritten by ING Insurance Services (NZ) Limited). No member of the ANZ National Bank group or the ING group guarantees ING Insurance Services (NZ) Limited or any products issued by it. Personal information and declaration In this application ANZ is ANZ National Bank Limited. Qantas is Qantas Airways Limited ABN 16 009 661 901. The Scheme is the Qantas ANZ Visa Rewards Scheme. Points are Qantas Frequent Flyer points. Points Providers means any person, business or company who agrees to provide Points under the Scheme. Personal Information You understand and authorise that the information received from you will be securely held by ANZ and, if I have applied for ANZ Credit Card Repayment Insurance, ING Insurance Services (NZ) Limited (ING) and may be accessed and corrected under the Privacy Act 1993. This information may be used by ANZ and ING to: > consider your application for facilities, products or services now or in the future > administer, manage and monitor any facilities, products or services provided to you. > conduct market research, data processing and statistical analysis. > provide you with information about other facilities, products or services including selected third party products or services (unless you disagree). I do not want to receive information about opportunities for further services and products. ANZ or ING may disclose information about you to: > its related companies (as defined by the Companies Act 1993), agents or contractors for the above purposes. > credit reference agencies for the purpose of obtaining a credit report on you and debt recovery or credit reference agencies if you default on any obligations to ANZ or ING. Those credit reference or debt recovery agencies may retain that information and provide it to their customers who use their credit reporting services. > Qantas, its related companies (as defined by the Companies Act 1993), its agents or contractors who may use and disclose your information for the administration of the Scheme, the performance of services relating to the Scheme and planning, research, promotion and marketing of products and services of ANZ, Qantas and any Points Provider ANZ or ING may obtain information and make such enquiries about you as ANZ or ING considers warranted from any source including its related companies (as defined by the Companies Act 1993) and credit reference agencies for the above purposes. DECLARATION I certify that the information contained in this application is true and complete. I acknowledge that ANZ may cancel or decline my credit card if any of the information provided by me is incorrect. I understand that this application is subject to ANZ Credit Card Terms and Conditions and the ANZ Everyday Rewards Visa Rewards Programme Terms and Conditions. I agree to be bound by these terms and conditions, copies of which I will be sent if my application is accepted or which I can obtain from any ANZ branch. I understand that ANZ will charge a fee to my Credit Card account. I am aware that I can obtain details of current fees by requesting a copy of the ‘Credit Card Fees and Charges’ brochure from any ANZ branch. I certify that I, the principal applicant, have reached 18 years of age. I certify that I, the additional applicant, have reached 16 years of age. I certify that I am not an undischarged bankrupt, or liable under any proceedings under the Insolvency Act 1967 or the Insolvency Act 2006 (as amended). PRINCIPAL APPLICANT’S SIGNATURE X ADDITIONAL APPLICANT’S SIGNATURE X DATE OF APPLICATION D D M M Y Y Y Y Bank use only Mortgage approval date Mortgage application number Bank assessed UMI Principal applicant’s net monthly income Mortgage application score Note: Default credit limit is $4,000. Please complete this box if the applicant would like to be assessed for a credit limit greater than $4,000. CIS number: Additional Applicant ID A I confirm I have identified the Additional Applicant Sales officer’s name: Branch number: B Staff number: DDI: 0 [BRANCH STAMP] Signature X Fax completed credit card application form to 0800 658 043. What you will need to bring with you To speed up the process, please bring the following when you meet an ANZ home loan specialist: > proof of your income, eg your latest pay slip (unless your income is direct credited to an ANZ account), if you’re self-employed, a copy of your last two years’ balance sheets or annual accounts and tax returns if held. > 3 months of your latest main bank transaction statements (if not with ANZ) > evidence of your savings, eg bank account statements (if not with ANZ) > your lawyer’s name and address (if purchasing or re-financing) > your signed sale and purchase agreement (if purchasing) > a builder’s quote or contract if you’re building a home > a Registered Valuer’s Report if you already have one. ANZ is committed to making a positive difference to the environment we live in. This item is printed in New Zealand on paper from sustainable forests using vegetable based inks. anz.co.nz ANZ, part of ANZ National Bank Limited. A8001 10/08