Application

Requirements & Objective
What are the primary reasons for seeking credit (how will the funds will be used) or the reasons for a review of an existing credit contract?
Reason 1
Amount 1
Reason 2
Amount 2
Reason 3
Amount 3
What are the specific features that you would look for in a home loan?
- Variable
- Fixed
- Line of Credit
- Combo Loan
- Principle & Interest
- Interest only
- Redraw
- Offset
- Construction
- Bridging
If Fixed for how many years
Interest only Term
If you are purchasing a property:
Address - Street
Suburb & State
Suburb State
Postcode
Purchase Price
Loan Amount
Agents Details for Access
(Name & Contact number)

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Contact Details
CONTACT DETAILS
Full legal name - Given Names
(Include title Mr/Mrs/Ms/Miss/Dr)
Client 1 Client 2
Surname
Client 1 Client 2
Date of birth
(dd/mm/yy)
Client 1 Client 2
Residency / Citizenship
Client 1 Client 2
Marital status
(single / married / defacto / divorced)
Client 1 Client 2
Drivers Licence
(number / state / expiry) or NONE
Client 1 Client 2
Email
Client 1 Client 2
Number of Dependents & Ages
Client 1 Client 2
Preferred Contact Phone
(please note home, work, mobile)
Client 1 Client 2
Mobile
Client 1 Client 2
Address history over at least 3 yrs
(Include postcodes)
CURRENT ADDRESS
Address - Street
Client 1 Client 2
Suburb
Client 1 Client 2
State
Client 1 Client 2
Postcode
Client 1 Client 2
Moved in
Client 1 Client 2
Moved out
Client 1 Client 2
Residential Status
Owner / renting / boarding / living with parents
Client 1 Client 2
CURRENT ADDRESS
Address (if different) - Street
Client 1 Client 2
Suburb
Client 1 Client 2
State
Client 1 Client 2
Postcode
Client 1 Client 2

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Address History
Address history over at least 3 yrs (Include postcodes)
PREVIOUS ADDRESS
Address - Street
Client 1 Client 2
Suburb
Client 1 Client 2
State
Client 1 Client 2
Postcode
Client 1 Client 2
Moved in
Client 1 Client 2
Moved out
Client 1 Client 2
Residential Status
Owner / renting / boarding / living with parents
Client 1 Client 2
PREVIOUS ADDRESS
Address - Street
Client 1 Client 2
Suburb
Client 1 Client 2
State
Client 1 Client 2
Postcode
Client 1 Client 2
Moved in
Client 1 Client 2
Moved out
Client 1 Client 2
CLOSEST RELATIVE NOT LIVING WITH YOU
Name
Client 1 Client 2
Address - Street
Client 1 Client 2
Suburb
Client 1 Client 2
State
Client 1 Client 2
Postcode
Client 1 Client 2
Phone Number
Client 1 Client 2
Relationship
Client 1 Client 2

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Work Background
(work history over at least 3yrs)
CURRENT EMPLOYER
Occupation
Client 1 Client 2
Employer name
Client 1 Client 2
Employer ABN
Client 1 Client 2
PAYG / self-employed
Client 1 Client 2
Fulltime / parttime / casual
Client 1 Client 2
Commenced
(mm/yy)
Client 1 Client 2
Address - Street
Client 1 Client 2
Suburb
Client 1 Client 2
State
Client 1 Client 2
Postcode
Client 1 Client 2
Employer contact
(name/number)
Client 1 Client 2
PREVIOUS EMPLOYER
Employer name
Client 1 Client 2
Commenced
(mm/yy)
Client 1 Client 2
Income
Gross salary – annual
(excluding super and incentives)
Client 1 Client 2
Bonus / commissions / penalties - annual
Client 1 Client 2
Investment income – annual
(excluding super and incentives)
Client 1 Client 2
Annuity / pension – annual
Client 1 Client 2
Rental Income - Weekly
Client 1 Client 2
Other (please specify)
Client 1 Client 2
Additional information regarding income structure?
Client 1 Client 2

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Property portfolio and associated loans
PROPERTIES

Properties

Address	Purchase Date	Estimated Value	Actions

There are no Properties.

Total Estimate Value
Total Rent Pw
LOANS

Loans

Lender	BSB / Acct #	Limit	Balance	Clearing	Actions

There are no Loans.

Total Limit
Total Balance

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Other Asstes - What you own
Other items may include equity in your business, boats, antiques, other collectibles, etc.
Home contents
Description Value
Owned by
Vehicle 1
(make/model/year)
Description Value
Owned by
Vehicle 2
(make/model/year)
Description Value
Owned by
Bank acct 1
(institution)
Description Value
Owned by
Bank acct 2
(institution)
Description Value
Owned by
Super
(institution/approx. balance)
Description Value
Owned by
Super
(institution/approx. balance)
Description Value
Owned by
Share ASX
Description Value
Owned by
Other
(please describe)
Description Value
Owned by
Other
(please describe)
Description Value
Owned by
Other Liabilities - What you owe
Other items may include child support, HECS, consumer loans (like interest free offers).
Credit Card 1
(lender / type / number)
Description Balance Value
Credit Card 1
Limit Repayment
Owner
Refi
Credit Card 2
(lender / type / number)
Description Balance Value
Credit Card 2
Limit Repayment
Owner
Refi
Credit Card 3
(lender / type / number)
Description Balance Value
Credit Card 3
Limit Repayment
Owner
Refi
Lease 1
(institution / type)
Description Balance Value
Lease 1
Limit Repayment
Owner
Refi
Lease 2
(institution / type)
Description Balance Value
Lease 2
Limit Repayment
Owner
Refi
Personal Loan
(institution)
Description Balance Value
Personal Loan
Limit Repayment
Owner
Refi
Other
(eg HECS / Child support)
Description Balance Value
Other
Limit Repayment
Owner
Refi
Rental
(Outgoing rent paid)
Description Balance Value
Rental
Limit Repayment
Owner
Refi

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Loan & Lender Feature – Your Requirements
Fixed Rate loan with ability to make extra repayments?
Fixed Rate loan with ability to redraw?
Split loan (part fixed and/or part variable)?
Offset Account?
Portability?
Line of Credit option?
Access to Lender Branch network?
Access to Loan via ATM?
Cheque Book liked to loan and/or Offset account?
Access to Internet and Phone Banking?
Do you anticipate any changes to your income in next 6-12 months? *
If you answered Yes to the above, please provide further information.
Do you anticipate your Expenses will change materially in the next 6-12 months? *
If you answered Yes to the above, please provide further information.
Are there any other factors that you can think of that may materially affect your income or expenses in the next 12 months?
If you answered Yes to the above, please provide further information.

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Insurance and Asset protection
Do you have adequate Life Insurance? *
Do you have adequate Debt Protection Insurance? *
Do you have adequate Income Protection? *
Do you have adequate House and Contents Insurance? *
If you answered No, or Unsure to the above questions, would you like us to arrange a meeting for you to discuss options regarding your insurances?
Customer Identified Living Expenses
On a monthly basis, how much do you currently spend on the following times?
Rent or Board
Utilities – Electricity ,Rates, Gas, Water, Body Corporate
Connections - Phone, Mobile, Internet, Cable, TV
Education - Child Care, School Fees, Uniforms & Activities
Food - Groceries, Meat, Fruit & Vegetables
Transport - Public, Petrol, Registration, Insurance & Servicing
Medical - Private Health Insurance & Ongoing Medical Bills
Insurances - Home & Personal (Life/TPD/Trauma) & Voluntary Super
Household Purchases and Maintenance
Entertainment - Dining Out, Movies, Gifts & Other
Sports, Hobbies and Memberships
Other Regular Expenditure
Total

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Solicitor
Company Name
Contact Name
Address - Street
Suburb & State
Suburb State
Postcode
Phone Number
Email
Accountant
Company Name
Contact Name
Address - Street
Suburb & State
Suburb State
Postcode
Phone Number
Email
Some compliance questions
A few questions so we can structure things around events that may happen to you in the future
Changes to income / Expenditures Are you aware of any significant future changes in your income or expenditures?
- Yes
- No
Comment
Credit History Have any of your loan(s) been in arrears, or have you exceeded the agreed credit limit on any credit/store card at any time
- Yes
- No
Comment
Insurance review Would you like us to organize a review of your personal insurances to ensure they are adequate for these changes to your finances
- Yes
- No
Comment
Estimated monthly living expenses
What are your average monthly living expenses (food, transport, clothing, utilities, education health etc)
$ that could be put towards your loan
From your monthly income less expenses, how much could be set aside for loan payments
Anything else we should know?
Are there any other factors that we should be aware of that could help us with the assessment of your finance?

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Authority to exchange information
I authorize YFG Lending to exchange information with your accountant, real estate agent, Solicitor and other stakeholders to enable YFG Lending to assist us with a loan application.
- Yes
- No
Privacy Acknowledgement and Consent
I/We acknowledge that you are required to collect certain information about me/us (including the name, address, date of birth, contact details, credit details and other relevant information) (“Personal Information”) for the purpose of providing me/us with your products and services. I/We understand that you may also use this information for advertising and marketing purposes until I/we notify you otherwise.

I/We consent to using the information provided by me/us for these purposes. If I/we provide the Personal Information about another person or entity, I/We warrant that I/we have obtained consent from the relevant party to the provision of such information and the proposed use of that information by you.

I/We understand that if I/we do not provide all information you request or provide incomplete or inaccurate information, you may not be able to provide a product or service to me/us. When providing any Personal Information, I/we promise not to make any misrepresentations or misdealing or deceptive statements.

I/We acknowledge that I/we must immediately notify you of any changes to any Personal Information previously provided by me/us.

I/We acknowledge that if I/we make a request to your Privacy Officer, you will grant me/us access to the Personal Information previously provided by me/us, subject to any legal requirements. I/We understand that for the purposes of verifying my/our Personal Information, providing the relevant products and services to me/us and assessing my/our credit application, the information provided by me/us may be disclosed to, and any further necessary information may be obtained from:
1. Third party agencies providing various supporting services, including verification of identification, settlement or mailing services; credit reporting agencies;
2. Credit Ombudsman Service Limited;
3. Australian Securities and Investment Commission;
4. Any government or statutory bodies and regulators for the purpose of compliance with any laws and regulations;
5. The relevant credit providers; any relevant referrer, accountant, financial or legal adviser or to any other consultant or adviser acting in connection the relevant
6. Transaction;
7. The relevant persons or entities who give an assurance of repayment of the relevant credit, including guarantors; the relevant persons or entities acting in connection with creating financial agreements, including by way of securitisation; and
8. Your associated entities.
9. Any other person as may be required to comply with any laws, regulations, notices or orders. Additionally, you may disclose the Personal Information provided by me/us to any other third party with my/our consent. I/we can withdraw my/our consent for this disclosure by a written notice to you.
Consent
I/We also understand that you may disclose the Personal Information to any government, semi-government or statutory authority or
Consent
I/we are signing to confirm that the information is true and correct. Also that the advisers above can be contacted on my/our behalf
Print name Client 1
Print name Client 2
Signature Client 1
Signature Client 2
Date Client 1
DD slash MM slash YYYY
Date Client 2
DD slash MM slash YYYY
Email
This field is for validation purposes and should be left unchanged.

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Step 1 of 11

Requirements & Objective

Contact Details

CONTACT DETAILS

Address history over at least 3 yrs

CURRENT ADDRESS

CURRENT ADDRESS

Address History

PREVIOUS ADDRESS

PREVIOUS ADDRESS

CLOSEST RELATIVE NOT LIVING WITH YOU

Work Background

CURRENT EMPLOYER

PREVIOUS EMPLOYER

Income

Property portfolio and associated loans

PROPERTIES

LOANS

Other Asstes - What you own

Other Liabilities - What you owe

Applicant 1:

Applicant 2:

Loan & Lender Feature – Your Requirements

Insurance and Asset protection

Customer Identified Living Expenses

Solicitor

Accountant

Some compliance questions

Authority to exchange information

Privacy Acknowledgement and Consent