RAMS VARIATIONS FAX COVER SHEET □

RAMS VARIATIONS FAX COVER SHEET
ORIGINATOR DETAILS
(RHLC to complete all required fields)
Total Number of pages faxed (including coversheet):
Date: __________________________________________________
Contact Name (Loan Writer):
RHLC Name: ____________________________________________
Office Ph No_______________________________________________ Mobile No: ______________________________________________
LOAN VARIATION DETAILS
(RHLC to complete all required fields)
Loan Number:
Customer Surname:
Given Names:
VARIATION (Please indicate multiple variations)
□ Substitution
□ Product Conversion New Product
If the customer currently has an Offset account attached to their loan and is converting to a product that is not eligible for Offset, the account will
be delinked as part of the Conversion and will earn no interest. The customer will need to contact 13 RAMS (13 7267) to close the account.
□ Increase Additional Funds required $
□ Loan Merger Date sent to Loan Variations
□ Borrower Release
□ Other
Purpose ___________________
APPLICATION FEE PAYMENT OPTION
□ Redraw
□ Cheque (Receipt Attached, this option not available for Loan Increases)
Date Posted:
LOAN VARIATION / INCREASE CHECKLIST
□ Credit Guide Provided to Customer (Increases Only). Date provided to customer: ____________________
□ CPDD Produced and Provided to Customer (Increases Only). Date provided to customer: ____________________
□ Email sent to [email protected]
□ Application for Loan Variation / Increase faxed to UCS – 1300 656 728
□ If Debt Consolidation, enclose 3 months transaction statements for each debt
□ Construction Loan
□ Other supporting documentation including a copy of completed CNR, Product Selector Matrix and CPDD.
Please note: Additional documentation may be required to access the application
Preferred Valuer Details:
LOANS APPROVED IN RAMS ORIGINATION
(Please complete if applicable)
New loan being completed in RAMS Origination Unit
□ YES
□ NO
If YES, please supply:
New Loan Amount (includes Servicing Sheet & MI Approval) $
Application Number________________________________________
COMMENTS
(Please provide comments where appropriate)
RAMS Financial Group Pty Limited ABN 30 105 207 538 authorised representative 405465 Australian credit licence 388065 Credit Provider: Westpac Banking
Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 1 of 16
RAMS VARIATIONS FAX COVER SHEET
APPLICATION SUBMISSION CHECKLIST – LOAN VARAITIONS
Return required documents to:
RAMS Home Loans, Locked Bag 5001 CONCORD WEST NSW 2138
Fax: 1300 656 728
For further information:
Phone 13 RAMS (13 72 67) Website: www.rams.com.au
CHECKLIST
Information RAMS requires to assess your application.
Please tick relevant boxes as documents are attached - All documents to be returned to RAMS.
Please allow 2 business days for your application to be assessed once all supporting documents have
been received. Please note that we may need to contact all the loan applicants during the assessment
process.
Complete attached Application To Vary Your Existing Loan Application form in full
Evidence of Income PAYG: most recent payslip or a letter from employer plus latest Payment
Summary (Group Certificate) (for each borrower and guarantor)
Evidence of Rental Income for ALL investment properties
(if applicable - e.g. rent receipts, letter from real estate agent)
ALL Borrowers and Guarantors to sign Applicant’s Declaration (increase and substitution of security)
ALL REMAINING Borrowers and Guarantors to sign Applicant's Declaration (Release of Borrowers)
If Self Employed – last 2 years’ financials and tax returns (Both Personal and Company /
Partnership):
PAYMENT AUTHORITY
A non-refundable application fee of $295 may be payable. In addition, the actual cost of each valuation
(if required), plus other costs including Mortgage Insurance and Stamp Duty will be processed to your
loan at settlement.
Enclosed is a Cheque for the amount of $____________ (This option is not available for Loan
Increases)
Debit the available redraw on my/our loan for the amount of $___________
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit
Provider: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 2 of 16
APPLICATION TO VARY YOUR LOAN
A
Client Details
PRIMARY BORROWER
CO-BORROWER
GUARANTOR
or REMAINING BORROWER IF FOR A
RELEASE OF BORROWER
or REMAINING BORROWER/GUARANTOR IF FOR A
RELEASE OF BORROWER
Title __________ Surname _______________________________
Title __________ Surname _______________________________
Given Names __________________________________________
Given Names __________________________________________
Occupation ____________________________________________
Occupation ____________________________________________
Date of Birth _____ / _____ / _________
Date of Birth _____ / _____ / _________
Home Phone (
) _____________________________________
Home Phone (
) _____________________________________
Work Phone (
) ______________________________________
Work Phone (
) ______________________________________
Mobile ________________________________________________
Mobile ________________________________________________
Fax (
Fax (
) ____________________________________________
) ____________________________________________
Email address __________________________________________
Email address __________________________________________
Marital Status:
Marital Status:
Single
Defacto
Married
Single
Defacto
Married
Divorced
Widowed
Separated
No. of Dependents (per application) _________________________
Divorced
Widowed
Separated
No. of Dependents (per application) _________________________
Ages of Children ________________________________________
Ages of Children ________________________________________
Driver’s Licence No. _____________________________________
Driver’s Licence No. _____________________________________
Current Residential Address
Current Residential Address
Number & Street ________________________________________
Number & Street ________________________________________
Suburb _______________________________________________
Suburb _______________________________________________
State ________________________
State ________________________
Postcode _______________
Postcode _______________
Time at this address ____________ Years ____________ Months
Time at this address ____________ Years ____________ Months
If you have lived at your current address for less than three years
please complete below:
If you have lived at your current address for less than three years
please complete below:
Previous Address
Previous Address
Number & Street ________________________________________
Number & Street ________________________________________
Suburb _______________________________________________
Suburb _______________________________________________
State ________________________
State ________________________
Postcode _______________
Postcode _______________
Time at this address ____________ Years ____________ Months
Time at this address ____________ Years ____________ Months
Current Employer
Current Employer
Current Employer Name __________________________________
Current Employer Name __________________________________
Time with Employer ____________ Years ____________ Months
Time with Employer ____________ Years ____________ Months
Full Time
Part Time
Casual
Self Employed
Full Time
Part Time
Casual
Self Employed
Gross Annual Income $ __________________________________
Gross Annual Income $ __________________________________
If less than two years, please indicate previous employment below:
If less than two years, please indicate previous employment below:
Previous Employer
Previous Employer
Previous Employer Name _________________________________
Previous Employer Name _________________________________
Time Employed (or self employed) _______Years
Time Employed (or self employed) _______Years
Full Time
Part Time
Casual
_______Months
Self Employed
Gross Annual Income $ __________________________________
Full Time
Part Time
Casual
_______Months
Self Employed
Gross Annual Income $ __________________________________
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit
Provider: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 3 of 16
APPLICATION TO VARY YOUR LOAN
B
Purpose for Increase
PURPOSE
AMOUNT
Debt Consolidation _____________________________________________________________________
$ _______________________
Purchase Motor Vehicle _________________________________________________________________
$ _______________________
Renovations/ Improvements ______________________________________________________________
$ _______________________
Household Requirements ________________________________________________________________
Purchase Property _____________________________________________________________________
$ _______________________
$ _______________________
Other (details) _________________________________________________________________________
$ _______________________
Other (details) _________________________________________________________________________
Total Increase Required ________________________________________________________________
$ _______________________
$ _______________________
C
Release of Loan Party
DETAILS OF RELEASE
LOAN REQUIRED
Current Loan Amount
$ ___________________________
Loan Party to be Released ________________________________
Increase Required (if any)
$ ___________________________
Reason for Release (i.e. separation, tax purposes) ________________
New Total Loan Amount
$ ___________________________
______________________________________________________
Yes
LMI Capitalisation
D
No
Increase / Release of Borrower – Security Property Details
CURRENT SECURITY
Property 1
Property 2
Address ______________________________________________
Address ______________________________________________
Suburb _______________________________________________
Suburb _______________________________________________
State ________________________
State ________________________
Postcode _______________
Estimated value $_______________________________________
Owner Occupied
Investment
Postcode _______________
Estimated value $_______________________________________
Owner Occupied
Investment
Contact for our valuer to gain access:
Contact for our valuer to gain access:
Name ________________________________________________
Name ________________________________________________
Phone ______________________________ Home / Work / Mobile
Phone ______________________________ Home / Work / Mobile
Phone ______________________________ Home / Work / Mobile
Phone ______________________________ Home / Work / Mobile
Property 3
Address ______________________________________________
Suburb _______________________________________________
Solicitor / Conveyancer / Settlement Agent Details
(if applicable)
State ________________________
Postcode _______________
Firm __________________________________________________
Estimated value $_______________________________________
Person handling ________________________________________
Owner Occupied
Investment
Phone ______________________ Fax _____________________
Contact for our valuer to gain access:
Address ______________________________________________
Name ________________________________________________
Suburb _______________________________________________
Phone ______________________________ Home / Work / Mobile
State ________________________
Postcode _______________
Phone ______________________________ Home / Work / Mobile
E
Substitution
SUBSTITUTION DETAILS
LOAN REQUIRED
Current Loan Amount
$ ___________________________
Increase Required (if any)
$ ___________________________
Is property being purchased settling on
the same day as property is being sold?
Yes
No
New Total Loan Amount
$ ___________________________
Has new property been located?
Yes
No
LMI Capitalisation
Yes
No
Expected Settlement Date _____ / _____ / ________
Purpose of Increase _____________________________________
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit
Provider: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 4 of 16
APPLICATION TO VARY YOUR LOAN
F
Substitution – Security Property Details
PROPERTY BEING SOLD
PROPERTY BEING PURCHASED
Address ______________________________________________
Address ______________________________________________
Suburb _______________________________________________
Suburb _______________________________________________
State ________________________
State ________________________
Postcode _______________
Postcode _______________
Sale Price $_______________________________________
Purchase Price $________________________________________
Settlement Date _____ / _____ / ___________
Name(s) to be shown on Title
______________________________________________________
______________________________________________________
Owner Occupied
SECURITY PROPERTY REMAINING (if any)
Investment
Address ______________________________________________
Proposed rental per week $__________________
Suburb _______________________________________________
Contact for our valuer to gain access ________________________
State ________________________
Postcode _______________
Phone ______________________________ Home / Work / Mobile
Estimated value $_______________________________________
Phone ______________________________ Home / Work / Mobile
Owner Occupied
Investment
Contact for our valuer to gain access ________________________
Solicitor / Conveyancer / Settlement Agent Details
(if applicable)
Phone ______________________________ Home / Work / Mobile
Firm __________________________________________________
Phone ______________________________ Home / Work / Mobile
Person handling ________________________________________
Phone ______________________ Fax _____________________
Address ______________________________________________
Suburb _______________________________________________
State ________________________ Postcode _______________
G
Statement of Assets & Liabilities
CURRENT ASSETS
(including properties mortgaged)
CURRENT LIABILITIES
(if being refinanced please indicate “To be repaid”)
Property at:
Weekly Rental
Value
_______________________
$__________ $______________
________________________ $__________ $_____________
_______________________
$__________ $______________
________________________ $__________ $_____________
_______________________
$__________ $______________
________________________ $__________ $_____________
Home contents (insured value): $___________________________
Rent (per)
wk
f/n
m
$___________________
Car Leases or Car Loans:
Motor vehicles:
Year
Monthly Payment Amount Outstanding
Mortgage to:
Make & Model
Value
___________ ________________________ $______________
___________ ________________________ $______________
___________ ________________________ $______________
Institution
Monthly Payment Amount Outstanding
________________________ $__________ $_____________
________________________ $__________ $_____________
________________________ $__________ $_____________
Credit Cards:
Savings Accounts (institution held with):
Current Balance
_____________________________________ $______________
_____________________________________ $______________
_____________________________________ $______________
Superannuation (current value): $___________________________
Value
Other Assets:
Institution
Limit
Amount Outstanding
________________________ $__________ $_____________
________________________ $__________ $_____________
________________________ $__________ $_____________
Taxation Amount Outstanding (if any): $___________________
Other Liabilities (Personal Loans, Maintenance Payments etc):
_____________________________________ $______________
Institution
_____________________________________ $______________
________________________ $__________ $_____________
Monthly Payment Amount Outstanding
_____________________________________ $______________
________________________ $__________ $_____________
________________________ $__________ $_____________
Total Assets
Total Liabilities $_____________
$______________
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit
Provider: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 5 of 16
APPLICATION TO VARY YOUR LOAN
G
Statement of Assets & Liabilities (cont)
INCOME
EXPENSES
Gross Yearly
Gross Monthly
PAYG Income
Amount
Monthly
$ ____________
Personal
Applicant A
$___________
$ ____________
Mobile Phone #2
$___________
Applicant B
$___________
$ ____________
Pay TV
$___________
$ ____________
Applicant C
$___________
$ ____________
Internet
$___________
$ ____________
Applicant D
$___________
$ ____________
Reg & CTP Car #2
$___________
$ ____________
Petrol Car #2
$___________
$ ____________
$___________
$ ____________
Self Employed
Applicant A
$___________
$ ____________
Car Insurance #2
Applicant B
$___________
$ ____________
Reg & CTP Car #3
$___________
$ ____________
Applicant C
$___________
$ ____________
Petrol Car #3
$___________
$ ____________
Applicant D
$___________
$ ____________
Car Insurance #3
$___________
$ ____________
$___________
$ ____________
$___________
$ ____________
___________________$___________
$ ____________
Personal Insurance
Rental Income
Applicant A
$___________
$ ____________
(health, income)
Applicant B
$___________
$ ____________
Maintenance for
Applicant C
$___________
$ ____________
Dependants
Applicant D
$___________
$ ____________
Other (insert details)
centrelink Payments
Applicant A
$___________
$ ____________
Other (insert details)
Applicant B
$___________
$ ____________
___________________$___________
Applicant C
$___________
$ ____________
Other (insert details)
Applicant D
$___________
$ ____________
___________________$___________
Other Income
$ ____________
$ ____________
Other Loans
Child support
$___________
$ ____________
HELP Debt
$___________
$ ____________
Other
$___________
$ ____________
Tax Liability
$___________
$ ____________
TOTAL Income
$ ____________
TOTAL Expenses
Income less Expense (Net Surplus)
$ ____________
H
$ ____________
Applicant’s Acknowledgement & Authority
Each person signing this application:-
•
•
•
•
•
•
•
•
•
applies for the variation to the loan secured over the property, as specified in this application
consents to RAMS seeking verification of any of the statements contained herein
agrees to provide, at the persons expense, a valuation of the specified property to be conducted by a qualified valuer nominated by RAMS
understands that general insurance cover must be obtained on the mortgaged property for an amount not less than the replacement value of
the property including improvements, and from an insurer acceptable to RAMS
authorises his or her solicitor or agent to accept notices on his/her behalf
confirms that all statements made in this application are true and are made for the purpose of obtaining a loan
authorises RAMS to give a copy of the Loan Agreement to any guarantor of the loan
confirms that he/she is over the age of 18
Acknowledges that this form is not to be regarded as an offer or acceptance of credit under any legislation relating to the provision of credit.
The information provided in this form will not become part of any contract for credit which may come into existence between the applicant and
•
RAMS.
Understands that only the Credit provider can decide whether this application is approved and that any person who may have introduced me
to RAMS (including a Broker) has no authority to give that approval or otherwise to act on behalf of RAMS in any capacity.
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit
Provider: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 6 of 16
APPLICATION TO VARY YOUR LOAN
BUSINESS PURPOSE DECLARATION (if applicable)
I /We declare that the credit to be provided to me/us by the credit provider is to be applied wholly or predominately for:
ƒ
ƒ
business purpose; or
investment purposes other than investment in residential property.
IMPORTANT
You should only sign this declaration if this loan is wholly or predominately for:
ƒ
ƒ
business purposes; or
Investment purposes other than investment in residential property.
By signing this declaration you may lose your protection under the National Credit Code.
Name
Name
Signature
Signature
Date _____/ _____/ ______
Date _____/ _____/ ______
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit
Provider: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 7 of 16
APPLICATION TO VARY YOUR LOAN
PRIVACY CONSENT AND DISCLOSURE STATEMENT
At RAMS, information is the cornerstone of our ability to provide superior service and our most important asset is your trust. RAMS
collects personal information that is necessary for us to process your application, maintain your home loan, allow us to identify you
and deliver the benefits of the home loan to you and keep you informed about other products, services and special offers that may be
of interest to you. Part of the information we have requested is required by the Anti-Money Laundering and Counter-Terrorism
Financing Act 2006. If all or part of the information requested in the Application Form is not provided then we may not be able to
process your application. RAMS Privacy Policy Statement sets out RAMS’ policies on management of personal information. A copy is
available at www.rams.com.au or by contacting RAMS Customer Service on 13 72 67.
PERSONAL INFORMATION
I agree that Westpac Banking Corporation, RAMS Financial Group Pty Limited, any other member of the Westpac Group and franchisees of
RAMS Financial Group Pty Limited (the ‘Parties’) may exchange with each other any information about me including:
•
any information provided by me in this document;
•
any other personal information I provide to any of them or which they otherwise lawfully obtain about me; and
•
transaction details or transaction history arising out of my arrangements with any Party or any existing RAMS loan.
I agree that the Parties may access any information about me which was collected in relation to an existing RAMS loan.
If the Parties engage anyone (a ‘Service Provider’) to do something on their behalf (for example a mailing house or a data processor) then I
agree the Parties and the Service Provider may exchange with each other any information referred to above.
A Party might give any information referred to above to entities other than another Party and the Service Providers where it is required or
allowed by law or where I have otherwise consented (this includes the consents I have provided below).
If I apply for a Debit Card for use in connection with my/our loan I/we acknowledge that my personal information will be shared with Indue
Limited, the issuer of the card and First Data Resources Australia Ltd (to administer the card).
I agree that any information referred to above can be used by the Parties and any Service Provider to assess my application for the products I
have selected, and for account administration, planning, product development and research purposes.
I understand that I can access most personal information that the Parties hold about me (sometimes there will be a reason why this is not
possible, in which case I will be told why).
I understand that if I fail to provide any information requested in this form, or do not agree to any of the possible exchanges or uses detailed
above, my application may not be accepted.
I acknowledge that I can find out what sort of personal information the Parties have about me, or make a request for access by calling 13 72 67.
The Westpac Group means Westpac Banking Corporation and its related bodies corporate which include RAMS Financial Group Pty Limited.
CREDIT INFORMATION
The Lender means Westpac Banking Corporation, any manager, any servicing company or any authorised agent of the Lender who for the
purposes of the Privacy Act is a credit provider.
Notice that credit information may be given to a credit reporting agency
The Privacy Act 1988 allows the Lender to give a credit reporting agency certain personal information about me which I authorise the Lender to
do. This information includes:
• certain identity details;
• that credit has been applied for and the amount;
• the fact that the Lender is a credit provider to me;
• details of payments which become overdue for more than 60 days and for which collection action has commenced;
• that payments are no longer overdue;
• details of cheques drawn by me for more than $100 which have been dishonoured more than once;
• that in the opinion of the Lender I have committed a serious credit infringement; and
• that the credit provided to me by the Lender has been paid or discharged.
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit Provider:
Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 8 of 16
APPLICATION TO VARY YOUR LOAN
PRIVACY CONSENT AND DISCLOSURE STATEMENT
Authority to obtain certain credit information
To enable the Lender to assess my application for personal or commercial credit, I authorise the Lender to obtain:
ƒ
ƒ
from a credit reporting agency, a credit report containing personal or commercial information about me in relation to personal or
commercial credit provided to me; and
from a business which provides information about the commercial credit worthiness of persons, information about my commercial
activities or commercial credit worthiness
Authority to exchange credit information with other credit providers
I authorise the Lender to give to and obtain from credit providers named either in the accompanying credit application or in a credit report issued
by a credit reporting agency any information about my credit worthiness, credit standing, credit history or credit capacity. This information may be
used to:
ƒ
assess my application for credit and / or my credit worthiness;
ƒ
assist me to avoid defaulting on my credit obligations; and
ƒ
notify other credit providers of a default by me.
Authority to disclose certain information to joint applicants
I understand that if the Lender declines the credit application due to adverse information on my personal credit file, then each applicant may be
notified that the application has been declined wholly or partly on information derived from a personal credit report relating to me.
Authority to exchange credit information for securitisation purposes
I authorise the Lender to give and obtain from persons involved in securitisation arrangements, any report or information about me in relation to
personal or commercial credit provided to me, including any information about my credit worthiness, credit standing, credit history or credit
capacity. Securitisation arrangements may include purchasing, funding, managing or processing credit.
Bankers Opinions
I authorise the Lender to give and receive a banker’s opinion for purposes connected with my business, trade or profession.
Authority for Mortgage Insurers (if applicable).
Mortgage insurance protects the Lender against any shortfall from a mortgagee sale of the security property. A claim paid under mortgage
insurance will be recovered by the mortgage insurer directly from the borrower(s) and/or guarantor(s).
I authorise a mortgage insurer to obtain my credit report containing personal or commercial information about me from a credit reporting agency
and for the Lender to disclose a report or information to a mortgage insurer:
ƒ
to assess whether to insure;
ƒ
to assess the risk of insuring the Lender and the risk of default by me of the mortgage credit given to me;
ƒ
for any other purpose in connection with the contract of mortgage insurance between the Lender and the mortgage insurer.
In connection with my application for mortgage insurance, I acknowledge that the Lender may provide personal information about me to mortgage
insurance companies. Should I wish to obtain details of the identity of these organisations and how to contact them, the Lender will provide me
with such details.
I acknowledge that my personal information is collected by these organisations for the purposes set out above, as well as any variation or claim
under the insurance policy and other risk, internal management and compliance purposes. In this respect, these organisations may disclose my
personal information to their related companies, service providers and advisers, credit reporting agencies, reinsurers and government and
regulatory bodies.
If my personal information is not provided to these organisations, I acknowledge that the Lender may not be in a position to provide the mortgage
finance requested.
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit Provider:
Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 9 of 16
APPLICATION TO VARY YOUR LOAN
PRIVACY CONSENT AND DISCLOSURE STATEMENT
OTHER ACKNOWLEDGEMENTS AND CONSENTS
I acknowledge that the Lender has the right to confirm the details of the information provided in an application for credit made by me.
I agree to any Party or Service Provider giving to a guarantor or proposed guarantor (for the purpose of considering whether to act as guarantor)
personal information about me. I understand that the information disclosed can include anything about my credit worthiness, credit standing,
credit history or credit capacity that credit providers are allowed to disclose under the Privacy Act, and includes copies of documents and a credit
report.
I consent to the Lender exchanging information concerning my financial affairs with any person acting on my behalf, including my agent,
accountant and solicitor and with any person through whom I have been introduced to the Lender including a broker.
I have read, understand and agree to the acknowledgements and consents relating to the protection of my privacy.
MARKETING
Members of the Westpac Group and franchisees of RAMS Financial Group Pty Limited would like to be able to contact you or send you information
regarding other products and services. Your terms and conditions document will explain what action to take should you not wish to receive this
information. If you do not wish to receive these communications please notify us by writing to:
RAMS Privacy Officer
Locked Bag 5001
Concord West NSW 2138.
SIGNATURES
This applies to all parts of the application not separately signed by each applicant (with the exception of the Business Purpose Declaration (if
applicable)).
Name ___________________________________________________ Name ____________________________________________________
Signature ________________________________________________ Signature _________________________________________________
Date ______ /______ /______
Date ______ /______ /______
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit Provider:
Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 10 of 16
APPLICATION TO VARY YOUR LOAN
J
Additional Details
COMPANY BORROWER / GUARANTOR
Company Name ______________________________________________________________ ABN __________________________________
Address ___________________________________ Suburb ___________________________ State _____________ Postcode ____________
Directors Name(s) _______________________________
CO-BORROWER
______________________________
GUARANTOR
__________________________________
CO-BORROWER
GUARANTOR
Title __________ Surname _______________________________
Title __________ Surname _______________________________
Given Names __________________________________________
Given Names __________________________________________
Occupation ____________________________________________
Occupation ____________________________________________
Date of Birth _____ / _____ / _________
Date of Birth _____ / _____ / _________
Home Phone (
) _____________________________________
Home Phone (
) _____________________________________
Work Phone (
) ______________________________________
Work Phone (
) ______________________________________
Mobile ________________________________________________
Mobile ________________________________________________
Fax (
Fax (
) ____________________________________________
) ____________________________________________
Email address __________________________________________
Email address __________________________________________
Marital Status:
Marital Status:
Single
Defacto
Married
Single
Defacto
Married
Divorced
Widowed
Separated
Divorced
Widowed
Separated
No. of Dependents (per application) _________________________
No. of Dependents (per application) _________________________
Ages of Children ________________________________________
Ages of Children ________________________________________
Driver’s Licence No. _____________________________________
Driver’s Licence No. _____________________________________
Current Residential Address
Current Residential Address
Number & Street ________________________________________
Number & Street ________________________________________
Suburb _______________________________________________
Suburb _______________________________________________
State ________________________
State ________________________
Postcode _______________
Postcode _______________
Time at this address ____________ Years ____________ Months
Time at this address ____________ Years ____________ Months
If you have lived at your current address for less than three years,
please complete below:
If you have lived at your current address for less than three years,
please complete below:
Previous Address
Previous Address
Number & Street ________________________________________
Number & Street ________________________________________
Suburb _______________________________________________
Suburb _______________________________________________
State ________________________
State ________________________
Postcode _______________
Postcode _______________
Time at this address ____________ Years ____________ Months
Time at this address ____________ Years ____________ Months
Current Employer
Current Employer
Current Employer Name __________________________________
Current Employer Name __________________________________
Time with Employer ____________ Years ____________ Months
Time with Employer ____________ Years ____________ Months
Full Time
Part Time
Casual
Self Employed
Full Time
Part Time
Casual
Self Employed
Gross Annual Income $ __________________________________
Gross Annual Income $ __________________________________
If less than two years, please indicate previous employment below:
If less than two years, please indicate previous employment below:
Previous Employer
Previous Employer
Previous Employer Name _________________________________
Previous Employer Name _________________________________
Time Employed (or self employed) _______Years _______Months
Time Employed (or self employed) _______Years _______Months
Full Time
Part Time
Casual
Self Employed
Gross Annual Income $ __________________________________
Full Time
Part Time
Casual
Self Employed
Gross Annual Income $ __________________________________
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit Provider:
Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 11 of 16
APPLICATION TO VARY YOUR LOAN
LOAN NUMBER _______________________
PRIMARY BORROWER
CO-BORROWER
GUARANTOR
Title __________ Surname _______________________________
Title __________ Surname _______________________________
Given Names __________________________________________
Given Names __________________________________________
CO-BORROWER
GUARANTOR
CO-BORROWER
GUARANTOR
Title __________ Surname _______________________________
Title __________ Surname _______________________________
Given Names __________________________________________
Given Names __________________________________________
1. ADDITIONAL SECURITY PROPERTY ONE
2. ADDITIONAL SECURITY PROPERTY TWO (if applicable)
Address ______________________________________________
Address ______________________________________________
Suburb _______________________________________________
Suburb _______________________________________________
State ________________________
State ________________________
Postcode _______________
Estimated value $_______________________________________
Owner Occupied
Investment
Postcode _______________
Estimated value $_______________________________________
Owner Occupied
Investment
Contact for our valuer to gain access ________________________
Contact for our valuer to gain access ________________________
Phone ______________________________ Home / Work / Mobile
Phone ______________________________ Home / Work / Mobile
Phone ______________________________ Home / Work / Mobile
Phone ______________________________ Home / Work / Mobile
3. ADDITIONAL SECURITY PROPERTY THREE (if applicable)
4. ADDITIONAL SECURITY PROPERTY FOUR (if applicable)
Address ______________________________________________
Address ______________________________________________
Suburb _______________________________________________
Suburb _______________________________________________
State ________________________
State ________________________
Postcode _______________
Estimated value $_______________________________________
Owner Occupied
Investment
Postcode _______________
Estimated value $_______________________________________
Owner Occupied
Investment
Contact for our valuer to gain access ________________________
Contact for our valuer to gain access ________________________
Phone ______________________________ Home / Work / Mobile
Phone ______________________________ Home / Work / Mobile
Phone ______________________________ Home / Work / Mobile
Phone ______________________________ Home / Work / Mobile
Fees, conditions, limitations and lending criteria apply. RAMS Financial Group Pty Ltd ABN 30 105 207 538 AR 405465 Australian credit licence 388065. Credit
Provider: Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 12 of 16
APPLICATION TO VARY YOUR LOAN
Applicant’s Declaration
L
Applicant’s Declaration (if more than two applicants, please attach another copy of this page with the applicant(s) details.
Applicant 1
Applicant 2
• Have you or your spouse ever been declared bankrupt or insolvent,
or had your estate assigned for the benefit of creditors?
Yes
• Have you or your spouse ever been declared bankrupt or insolvent,
or had your estate assigned for the benefit of creditors?
Yes
No
No
• Have you or your spouse ever been a shareholder or the officer of a
company of which a manager, receiver, and/or liquidator has been
appointed?
Yes
No
• Is there any unsatisfied judgement entered in any court against you,
your spouse, or any company with which you or your spouse are or
were a shareholder or officer?
Yes
No
• Have you or your spouse ever been a shareholder or the officer of a
company of which a manager, receiver, and/or liquidator has been
appointed?
Yes
No
• Is there any unsatisfied judgement entered in any court against you,
your spouse, or any company with which you or your spouse are or
were a shareholder or officer?
Yes
No
• Have you or your spouse, or any company with which you or your
spouse are or have been associated, had a property foreclosed
upon or sold by a mortgagee exercising power of sale?
Yes
No
• Have you or your spouse ever been in default on any loan
agreements or had any defaults listed against you or your spouse on
your credit reference?
Yes
No
• Have you or your spouse, or any company with which you or your
spouse are or have been associated, had a property foreclosed
upon or sold by a mortgagee exercising power of sale?
Yes
No
• Have you or your spouse ever been in default on any loan
agreements or had any defaults listed against you or your spouse on
your credit reference?
Yes
No
• Are you known by any other name(s)?
• Are you known by any other name(s)?
Yes
No
If yes give details of other names below:
If yes give details of other names below:
Other name(s)
Other name(s)
Yes
No
Note: It is an offence under this Anti-Money Laundering and Counter Terrorism Financing Act 2006 Requirements to give false and
misleading information.
Applicant one signature:
_______________________________________
Date _____ / _____ / ________
Applicant two signature (if applicable):
_______________________________________
Date _____ / _____ / ________
Please contact this office on 13 72 67 if there are further Borrowers/Guarantors involved,
additional security properties, or if there is a Company associated with this transaction.
Any supporting comments you wish to make regarding your application:
_________________________________________________________________________________________________________________
__________________________________________________________________________________________________________________
__________________________________________________________________________________________________________________
__________________________________________________________________________________________________________________
__________________________________________________________________________________________________________________
_________________________________________________________________________________________________________________
RAMS Financial Group Pty Limited ABN 30 105 207 538 authorised representative 405465 Australian credit licence 388065 Credit Provider: Westpac Banking
Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 13 of 16
APPLICATION TO VARY YOUR LOAN
This part only applies to Low Doc loans
SECTION 1
___________________________________
________________________________________ __________________________________
Applicant 1 (Full name)
Trading name if applicable
___________________________________
________________________________________
Applicant 2 (Full Name
Trading name if applicable
ABN
__________________________________
ABN
______________________________________________________________________________ ___________________________________
Company/ firm name (if company is a trustee add trust name)
ABN
For New Loans
Loan Amount $_________________________________________
For Loan Increases
Original Limit $ _________________________________________
OR
Current Limit $ _______________________________ Increase Amount $ _______________________________ Total $ _________________
SECTION 2
Applicant 1
As stated in my completed RAMS loan application, I declare that I have been: (tick one)
Self-employed for ______Years _____Months and my NET business income p.a. before tax is $____________________
PAYG employed in my current role for _________ years _________ months and my current gross salary p.a. is $ ____________________
Property Investor for ___ years ___ months and my Net Rental Income before tax/Gross Rental Income p.a. is $ ___________ (delete which
ever is not applicable)
Applicant 2
As stated in my completed RAMS loan application, I declare that I have been: (tick one)
Self-employed for ______Years _____Months and my NET Business income p.a. before tax is $___________________
PAYG employed in my current role for _________ years _________ months and my current gross salary p.a. is $____________________
Property Investor for ___ years ___ months and my Net Rental Income before tax/Gross Rental Income p.a. is $ ___________ (delete which
ever is not applicable)
Company Applicant
As stated in the completed RAMS loan application, I/We declare that:
We have been trading for __________ years __________ months and our current net business income p.a. before tax is $ _________________
RAMS Financial Group Pty Limited ABN 30 105 207 538 authorised representative 405465 Australian credit licence 388065 Credit Provider: Westpac Banking
Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 14 of 16
APPLICATION TO VARY YOUR LOAN
SECTION 3
Each applicant declares:
The Information provided is true and correct.
I understand that you have advised me to seek independent legal and financial advice prior to entering into the agreement with you and
that I may choose whether or not to accept that advice.
I also understand that RAMS is relying on the information above to make an offer of finance.
Where the Applicant is a Company, I confirm that undersigned are the sole Directors.
I confirm unless stated otherwise in my loan application, that all applicants/borrowers are self-employed.
I have proper authority to commit to the repayments for the loan and have lodged and kept up to date Business Activity Statements.
Applicant 1
Applicant 2
Signature _____________________________________________
Signature __________________________________________
Date _____/_____/_____
Date _____/_____/_____
Company Applicant (Signed by its Duly Authorised Officers)
Company Applicant (Signed by its Duly Authorised Officers)
Signature _____________________________________________
Signature _____________________________________________
Director Name _________________________________________
Director/Secretary Name____________________________________
Date _____/_____/_____
Date _____/_____/_____
RAMS Financial Group Pty Limited ABN 30 105 207 538 authorised representative 405465 Australian credit licence 388065 Credit Provider: Westpac Banking
Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 15 of 16
APPLICATION TO VARY YOUR LOAN
SECTION 4
Accountant Details - Applicant 1
_______________________________________________
Accountant’s Name
__________________________________________________________
Accounting Firm / Trading Name
_______________________________________________
Member of:
__________________________________________________________
Business Address
_______________________________________________
Phone
___________________________________________________________
Email Address
Accountant’s Declaration – Applicant 1
I am aware that my client__________________________________________________________________________(client name)
______________________________________________________________________________________________(client address)
______________________________________________________________________________________________(occupation)
has declared a self employed annual net income (before tax) of __________________________(declared income) and PAYG income (if
declared) of __________________________ for the purposes of obtaining finance. Noting that current financials are not available based on my
knowledge of my client’s current circumstances the above figure is not an unreasonable estimate of their annual net income (before tax) and
PAYG income.
Accountant Disclaimer
The accountant’s declaration above is provided in good faith taking into account the accountant’s knowledge of the client’s length of association
with the accountant being ______ years and circumstances as at the specified date. The accountant makes no representations or warranties
about any future income of the applicant. The accountant makes no warranty that the applicant will be able to make repayments under any loan
provided based on this declaration. The accountant has not considered details of the terms of the proposed loan, including interest rates and
repayment terms. The accountant is not responsible for keeping RAMS informed of any change to the information in this declaration occurring
after the specified date. The information in this declaration may only be used by RAMS or the credit provider for the sole purpose of considering
whether to provide credit for the amount set out in this form. Information in this declaration must not be used for any other purpose. This
declaration is valid for 60 days from the specified date.
Accountant’s Signature
Signature _____________________________________________
Date _____/_____/_____
Accountant Details - Applicant 2
_________________________________________________
Accountant’s Name
_________________________________________________________
Accounting Firm / Trading Name
_________________________________________________
Member of:
_________________________________________________________
Business Address
_________________________________________________
Phone
_______ __________________________________________________
Email Address
Accountant’s Declaration – Applicant 2
I am aware that my client__________________________________________________________________________(client name)
______________________________________________________________________________________________(client address)
______________________________________________________________________________________________(occupation)
has declared a self employed annual net income (before tax) of __________________________(declared income) and PAYG income (if
declared) of __________________________ for the purposes of obtaining finance. Noting that current financials are not available based on my
knowledge of my client’s current circumstances the above figure is not an unreasonable estimate of their annual net income (before tax) and
PAYG income.
Accountant Disclaimer
The accountant’s declaration above is provided in good faith taking into account the accountant’s knowledge of the client’s length of association
with the accountant being ______ years and circumstances as at the specified date. The accountant makes no representations or warranties
about any future income of the applicant. The accountant makes no warranty that the applicant will be able to make repayments under any loan
provided based on this declaration. The accountant has not considered details of the terms of the proposed loan, including interest rates and
repayment terms. The accountant is not responsible for keeping RAMS informed of any change to the information in this declaration occurring
after the specified date. The information in this declaration may only be used by RAMS or the credit provider for the sole purpose of considering
whether to provide credit for the amount set out in this form. Information in this declaration must not be used for any other purpose. This
declaration is valid for 60 days from the specified date.
Accountant’s Signature
Signature _____________________________________________ Date _____/_____/_____
RAMS Financial Group Pty Limited ABN 30 105 207 538 authorised representative 405465 Australian credit licence 388065 Credit Provider: Westpac Banking
Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Updated 30 March 2012.
Page 16 of 16