Facsimile Lead Sheet
St.George Bank Limited ABN 92 055 513 070 AFSL 240997
Home Loan Application Checklist
Applicant: Date: To: / / No of pages transmitted: (including this lead sheet) Fax No. NO DEPOSIT & SUPER FUND HOME LOAN NO DEPOSIT & SUPER FUND HOME LOAN (EL) NON RESIDENT & FOREIGN CURRENCY LOAN NON RESIDENT & FOREIGN CURRENCY LOAN (EL) ST.GEORGE BANK LIMITED ( )
Unit Name SMS NON RESIDENT LENDING Company
1300 309 568 1300 852 141 (EL) 1300 780 154 1300 780 252 (EL) ATOMS/CLAS Ref: Fax No. Phone No. ( ( ) )
From:
Name Company Company Code Your I.D.Code / /
Mobile No.
Proposed Settlement Date
Items listed in applicable sections are mandatory
This form is to be lodged with your St.George Home Loan Application
General Fully completed faxed St.George Home Loan Application All tax file numbers removed from all documentation Completed Income Calculation Worksheet Identification Verification Form/Certified Identification Form and a copy of documentation produced (new customers to St.George). Application Fee Collected Yes No
Evidence of genuine savings (capacity) – 3 months savings statements latest no more than 1 month old No genuine savings option - Evidence of minimum 5% deposit sighted (cannot be borrowed funds) Rates Notices for all properties owned Home Loan Application Cover Sheet for notes on the application (purpose, product, any mitigants, etc)
FSRA for Offset Accounts
Verbal Product Disclosure Statement given for offset account “No Advice” given for offset account Yes Yes No No
PAYG Applicants
Proof of Income (base salary and commissions) – any 2 of: Computerised payslip no more than 4 weeks old Second computerised payslip no more than 4 weeks old except for those applicants paid on a monthly basis, where the payslip must be for the pay period immediately prior to the first payslip Letter of salary/employment on letterhead signed and dated and no more than 4 weeks old Most recent employment contract Latest PAYG payment summary/group certificate, tax assessment notice or tax return Bank statements showing consistent income amounts regularly deposited into an account As a whole, documents provided need to Contain details of current and YTD gross and net income, and identify the applicant’s and employer’s name
Company and Trust Applicants
Last 2 years Financial Reports and Income Tax Returns (supported by the most recent ATO Tax Assessment Notice) Last 2 years Personal Income Tax Returns for Individuals (supported by the most recent ATO Tax Assessment Notice) Details of and comments on relative issues or items in Financial Reports Details of Directors of Company (Including Directorship/shareholding/interest in other entities) Certified copy of the stamped Trust Deed
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Self Employed Applicants
Last 2 years Financial Reports and Income Tax Returns (supported by the most recent ATO Tax Assessment Notice) Details of how long the business has been in operation, type of business and comments on relative issues or items in Financial Reports
Other Sources of Income
Rental Income Rental opinion from a real estate agent in the form of a letter (for new purchase); or Recent rental statement (maximum 1 month old) from managing real estate agent (for existing rental properties); or Copy of current Lease Agreement together with last 3 months Bank statements showing rent received Other income (please specify) :
Low Doc Home Loans
Original signed Low Doc Home Loan Affordability Statement and Low Doc Affordability Self Assessment form with direct debit request (by selecting that option in the application form) Self employed ABN; or Letter from Accountant confirming applicant has been self employed for a minimum of 2 years The last 6 months statements for all loans to be refinanced (1 month for credit cards) or where no statements are issued evidence of repayments being debited from a bank account may be used For all other debts, confirm payments are up-to-date and/or accounts are in order. Provide current loan statements (within the last month). An Internet bank statement may be used if the last statement is greater than one month from the date of the Low Doc Loan application
No Deposit Home Loans (Fax # 1300 309 568 or 1300 852 141 for EL)
Last 3 months statements for accounts receiving income or transfers, and/or making debt repayments. Copy of medicare card Direct debit request (by selecting that option in the application form) Copy of the most recent account statements for each credit card and/or store card Evidence of satisfactory rental history for past 3 months. If no rental history, evidence of an established credit history.
Super Fund Home (Fax # 1300 309 568 or 1300 852 141 for EL)
Last 2 years Financial Reports and Income Tax Returns (supported by the most recent ATO Tax Assessment Notice), including also: Self Managed Super Fund Annual Return; and Fund Income Tax & Regulatory Return (before 1 July 2008) For newly established superannuation funds, evidence of ability to meet stated super contributions e.g. personal tax returns and / or pay slips. Certified copy of the Self Managed Super Fund Trust Deed (please provide an original certified copy of the Deed for Qld property) Certified copy of the Security Custodian Trust Deed (sample Deed acceptable to the Bank is available for reference under Forms, please provide an original certified copy of the Deed for Qld property) Last
Non Resident and Foreign Currency Home Loans (Fax # 1300 780 154 or 1300 780 252 for EL)
Last months statements for all other debts (home loans, credit cards, personal loans, leases,etc). An internet statement may be used if the last statement is greater than one month from the date of the home loan application. Direct debit request (by selecting that option in the application form)
Property Purchases
Copy of the following completed & executed documents including Title details QLD: Contract of Sale (first 2 pages) NSW: Contract of Sale (front page) & Zoning Certificate (149 Certificate) VIC: Contract of Sale (particulars page) & Section 32 Certificate SA: Contract of Sale & Purchase (first 2 pages) WA: Offer & Acceptance (both pages) NT: Contract of Sale (all pages) Copy of Share Certificate for Company Title Completed Funds to Complete Worksheet First Home Owner Grant Application Form Copy of Birth Certificate, Australian Citizenship Certificate or Passport (if a foreign passport then copy of the VISA is required). Document MUST be signed and certified by a JP as a true and exact copy If name changed then copy of Name Change Document (eg Marriage Certificate) must be provided. Document MUST be signed and certified by a JP as a true and exact copy
Increases
Original signed Affordability Statement to be lodged with all Increases, for existing loans older than 12 months
Refinances
The last 6 months statements for all loans to be refinanced (1 month for credit cards) or where no statements are issued evidence of repayments being debited from a bank account may be used. For all other debts, confirm payments are up to date and / or accounts are in order. Provide current loans statements (within the last month). An Internet bank statement may be used if the last original statement is greater than one month from the date of the loan application.
Building Loans
Contract Builder: Written tender, building plans and specifications (Tender must reflect Builder’s Licence Number)
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Owner Builder: Council approved Plans & Specifications Fully completed “Owner Builder Estimate of Construction Costs” OR “Kit & Construction Costs Estimate” Written details of work carried out to date by owner, builder, family, &/or sub-contractors, identifying discounts in fees, labour, etc
Credit Cards
Signed Home Loan Application form with the requested Credit Card Limit noted
Business Owners' Loan Package
Business Vantage Visa Credit Card Application Optional Extras: EFTPOS application Home and contents Insurance
Asset Access
Signed Asset Access Application form Signed Margin Lending Application form(s)
Declaration
I certify that I have the documents provided to me by our client(s) and confirm that the originals of the documents faxed to the Bank are held by me. I also confirm that I will retain these documents, and will make them available to the Bank when required. Name Signature
This transmission is intended solely for the named addressee and may contain confidential or privileged information. The copying or distribution of it by anyone other than the addressee is strictly prohibited. If you have received this transmission in error please telephone us immediately and return it to us by mail. We will refund your costs of doing so.
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