Fillable INGD IM258 10-08 Indd Home Loans - Loan application - Direct

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INGD IM258 10-08 Indd Home Loans - Loan application - Direct

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Page 1 of 14
|
INGD DM393
|
11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Introducer code Home loan specialist name
Telephone number Fax number
Email Application date Estimated settlement date
/ / / /
(DD/MM/YY) (DD/MM/YY)
All applications
Verifying Your Identity Form (completed for each Applicant/
Guarantor/Director)
Any applicable up-front fee (e.g. valuation, fixed rate lock in).
Additional fees section is to be completed.
Rates Notice for all properties owned
Fixed Rate Lock-in form (if applicable)
Company and Trust Appendix (if applicable)
PAYG applications
Payslip less than 1 month old (if payslip does not contain ABN,
evidence of salary crediting must be provided), PLUS
Latest Group Certificate or Taxation Return for all applicants who
have
been in their current job for 12 months or more. (Last 2 years Group
Certificate or Tax Returns required if less than 12 months in current job)
Self-employed applications
Last two years’ worth of full business/company Taxation Returns and
financials, PLUS
Last two years’ worth of full personal Taxation Returns
Trusts
Trust Deed, PLUS
Last two years full Taxation Returns of the Trustee
Company and Trust Appendix
New purchase applications
Front page of the Contract of Sale/Contract Note (must show
purchase price, finance date and settlement date)
Evidence of funds to complete the purchase of the property
ING DIRECT Statutory Declaration stating that funds being gifted
are non-refundable including a statement confirming the funds are
available. If funds are to be repayed, details must be provided (if
applicable)
Last 3 months’ worth of bank statements confirming genuine
savings (loans involving Lenders Mortgage Insurance) (if applicable)
Completed application for First Home Owners Grant (if applicable).
Refer to our website for instructions applicable to each state
Refinance applications
Last 6 months’ worth of statements for loans being refinanced
Last month’s statement for credit/store cards being refinanced
Investment property applications
Letter/statement from Real Estate Agent confirming proposed/
existing rental income or lease agreement
Description of property e.g. warehouse, oce, factory, studio
apartment (if not residential house/unit)
Loan application
- Direct
Step 1: Checklist
Step 2: Home loan specialist details
Important note
• Complete additional application forms where dierent borrowers and/or guarantors with dierent security properties are required.
• Forms and calculators mentioned in this checklist can be located on our website.
• Printouts of online transaction histories are not acceptable unless accompanied with an original bank statement.
Please attach the following documents and information relating to your loan requirements and employment status.
Page 2 of 14
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INGD DM393
|
11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Step 4: Purpose of the loan
Step 5: Funding summary
Please indicate the intended purpose of the loan Split 1 Split 2 Split 3
Purchase home (owner occupied)
Refinance home/personal loan (owner occupied)*
Other owner occupied (e.g. home improvements, personal use)
Purchase investment property
Refinance investment loan*
Other investments - please specify
*Additional Information – Reasons for refinance (only if loan purpose includes refinance)
Consolidation or restructure of finances Service Products and features Pricing (interest rates)
Other (please specify)
Step 3: What is important to me in a loan?
I/we want a (tick the options that apply to your application):
Variable Rate Loan Fixed Rate Loan Line of Credit Loan Interest only Construction Loan
I/we would like to (tick any that apply):
Reduce the loan as quickly as possible
Minimise the loan repayments
Have certainty of knowing what the repayments will be for a set period
If you have any requirements or objectives for your loan that have not been covered, please outline these below:
Access any available funds
I don’t have any specific requirements
Your cost of purchase or refinance ($)
Price/Estimated Value of property
Home Loan Refinance amount
Other debts being refinanced
Other costs
Cost of construction/home improvements
Application Fee
Lender’s Mortgage Insurance (estimate)
Other costs including legal and
other professional charges
Government Stamp Duty on mortgage
Government Stamp Duty on
transfer of property
Government registration fee
Valuation fee (if applicable)
Other fees and charges associated
with your loan (our standard fees
and charges are available on request)
Fees and charges imposed by your
outgoing lender (for example, any
mortgage discharge fee)
ESTIMATED COST
Your contribution to purchase or refinance ($)
Net proceeds from pending
sale of real estate
Deposit already paid
Cash/Savings
Existing equity
Gift
Other loans (specify source)
Other funds (specify source e.g.
First Home Owners Grant)
TOTAL APPLICANT(S) CONTRIBUTION
ESTIMATED LOAN AMOUNT REQUESTED ($) (dierence between estimated cost and total applicant(s) contribution)
The following is a guide only. There may be other costs associated with your transaction that may aect how much you need to borrow.
0
0
0
Page 3 of 14
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INGD DM393
|
11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Step 6: Loan details
Select the loan for which you wish to apply. If you want a combined loan or more than one loan, complete the relevant sections. Minimum $50,000 for
any loan type in a combination loan.
Split 1
Purpose of loan
Residential home loan
Residential investment loan
Are you applying for a
First Home Owners Grant?
Yes No
Split 2
Purpose of loan
Residential home loan
Residential investment loan
Are you applying for a
First Home Owners Grant?
Yes No
Split 3
Purpose of loan
Residential home loan
Residential investment loan
Are you applying for a
First Home Owners Grant?
Yes No
Select Product
(Choose one product only per loan)
Orange Advantage (with 100% oset)
Fixed Rate Loan
Mortgage Simplifier
If selecting a fixed rate please indicate term (years)
1 2 3 4 5
Do you require a Fixed Rate Lock-in?
Yes No
If yes, complete and submit Fixed Rate Lock-in form
Select Product
(Choose one product only per loan)
Orange Advantage (with 100% oset)
Fixed Rate Loan
Mortgage Simplifier
If selecting a fixed rate please indicate term (years)
1 2 3 4 5
Do you require a Fixed Rate Lock-in?
Yes No
If yes, complete and submit Fixed Rate Lock-in form
Select Product
(Choose one product only per loan)
Orange Advantage (with 100% oset)
Fixed Rate Loan
Mortgage Simplifier
If selecting a fixed rate please indicate term (years)
1 2 3 4 5
Do you require a Fixed Rate Lock-in?
Yes No
If yes, complete and submit Fixed Rate Lock-in form
WARNING: If you select a fixed rate loan, break costs may be payable if at anytime before the fixed term expires, you pay out your loan or you make additional payments of $10,000 or
more in an anniversary year, or you ask us to change your loan type or fixed interest period. Break costs may be substantial, in some circumstances tens of thousands of dollars. If you
have a fixed rate loan, you should contact us for an estimate, or the amount of break costs if you are considering making a payment or asking us to change your loan type, or fixed
interest period. Any additional payments or advanced funds are not available for redraw during the fixed term. Please refer to your Terms and Conditions for further details.
Loan amount
(excluding LMI premium)
$
LMI premium
(to be capitalised)*
$
Total amount Loan term
$
Years
Loan amount
(excluding LMI premium)
$
LMI premium
(to be capitalised)*
$
Total amount Loan term
$
Years
Loan amount
(excluding LMI premium)
$
LMI premium
(to be capitalised)*
$
Total amount Loan term
$
Years
Repayment method
Fortnightly Monthly
I wish to pay
Principal and interest
Interest only^
If Interest only, please indicate term (years)
1 2 3 4 5
Repayment method
Fortnightly Monthly
I wish to pay
Principal and interest
Interest only^
If Interest only, please indicate term (years)
1 2 3 4 5
Repayment method
Fortnightly Monthly
I wish to pay
Principal and interest
Interest only^
If Interest only, please indicate term (years)
1 2 3 4 5
* Mortgage insurance calculation to be included with application
^ Monthly repayments are required on the 1st of each month for Interest Only loans.
Page 4 of 14
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INGD DM393
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11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Applicant 1 Guarantor 1 Director 1
Client Number
New borrower
Self-employed PAYG
Mr Mrs Ms Miss Other
Surname
First name Middle name
Date of birth (DD/MM/YYYY) Gender
/ / Male Female
Nationality
Mother’s maiden name (mother’s original surname / family name)
Spouse’s name
Driver’s licence number No of dependants Age of dependants
Contact number
Phone number – Home
Phone number – Work
Mobile number
Email address
Current residential address
Unit number Street number
Street name
Suburb
State Postcode Time at current address
Years Months
Applicant 2 Guarantor 2 Director 2
Client Number
New borrower
Self-employed PAYG
Mr Mrs Ms Miss Other
Surname
First name Middle name
Date of birth (DD/MM/YYYY) Gender
/ / Male Female
Nationality
Mother’s maiden name (mother’s original surname / family name)
Spouse’s name
Driver’s licence number No of dependants Age of dependants
Contact number
Phone number – Home
Phone number – Work
Mobile number
Email address
Current residential address
Unit number Street number
Street name
Suburb
State Postcode Time at current address
Years Months
Current residential status
Owner Renting Boarding
Paying mortgage Living with parents
Other (if other, please specify below)
Residential/mailing address after settlement
If same as current residential address, please cross the box
Unit number Street number
Street name
Suburb
State Postcode
Current residential status
Owner Renting Boarding
Paying mortgage Living with parents
Other (if other, please specify below)
Residential/mailing address after settlement
If same as current residential address, please cross the box
Unit number Street number
Street name
Suburb
State Postcode
Existing ING DIRECT
customer
Existing ING DIRECT
customer
Step 7: Borrower details
Yes No Are you a first home buyer? Yes No Are you a first home buyer?
Page 5 of 14
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INGD DM393
|
11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Applicant 1/Guarantor 1/Director 1
Name of current employer (if self-employed, your trading name)
Current employment status
Salaried Self-employed Social benefits Retired
Student Home duties Unemployed
Current employment type
Full-time Part-time Casual/Temp Contract
Occupation (if self-employed, type of business/industry)
Date commenced (DD/MM/YY) No of employers in last four years
/ /
Address of current employer (if self-employed, your business address)
Unit number Street number
Street name
Suburb
State Postcode
Applicant 2/Guarantor 2/Director 2
Name of current employer (if self-employed, your trading name)
Current employment status
Salaried Self-employed Social benefits Retired
Student Home duties Unemployed
Current employment type
Full-time Part-time Casual/Temp Contract
Occupation (if self-employed, type of business/industry)
Date commenced (DD/MM/YY) No of employers in last four years
/ /
Address of current employer (if self-employed, your business address)
Unit number Street number
Street name
Suburb
State Postcode
ONLY complete this section if less than two years with current employer ONLY complete this section if less than two years with current employer
Name of previous employer
Previous employment status
Salaried Self-employed Social benefits Retired
Student Home duties Unemployed
Previous employment type
Full-time Part-time Casual/Temp Contract
Previous occupation (if self-employed, type of business/industry)
Time with previous employer
Years Months
Name of previous employer
Previous employment status
Salaried Self-employed Social benefits Retired
Student Home duties Unemployed
Previous employment type
Full-time Part-time Casual/Temp Contract
Previous occupation (if self-employed, type of business/industry)
Time with previous employer
Years Months
ONLY complete this section if you have a second job ONLY complete this section if you have a second job
Name of employer
Second job occupation
Second job employment type
Part-time Casual/Temp Contract
Phone number of employer Date commenced (DD/MM/YY)
/ /
Name of employer
Second job occupation
Second job employment type
Part-time Casual/Temp Contract
Phone number of employer Date commenced (DD/MM/YY)
/ /
Employment details
Page 6 of 14
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INGD DM393
|
11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Applicant 1/Guarantor 1/Director 1
Is applicant an Australian Citizen/Permanent Resident?
Yes No
Has applicant ever been bankrupt, had any credit defaults, or had
a judgement credit?*
Yes No
Is applicant receiving unemployment benefits or worker’s compensation?*
Yes No
Has the loan applicant/guarantor/director ever been known by any other
name in the last 7 years? e.g., maiden name, previous married name?*
Yes No
Former Name(s)* Applicant 1/ Guarantor 1/Director 1
*Please attach details to this application
Applicant 2/Guarantor 2/Director 2
Is applicant an Australian Citizen/Permanent Resident?
Yes No
Has applicant ever been bankrupt, had any credit defaults, or had
a judgement credit?*
Yes No
Is applicant receiving unemployment benefits or worker’s compensation?*
Yes No
Has the loan applicant/guarantor/director ever been known by any other
name in the last 7 years? e.g., maiden name, previous married name?*
Yes No
Former Name(s)* Applicant 2/ Guarantor 2/Director 2
*Please attach details to this application
Step 8: Additional information
Step 9: Company details
ONLY complete if company applicant/guarantor/director i.e. if borrowing/guaranteeing under a company name. If completing this section you will
need to complete the Company and Trust Appendix and forward with this application. The Appendix is located on our website.
Applicant 1/Guarantor 1/Director 1
Company name
ACN ABN
Mailing Address
Unit number Street number
Street name
Suburb
State Postcode
Trading Address
Unit number Street number
Street name
Suburb
State Postcode
Industry
Date established (DD/MM/YY)
/ /
Applicant 2/Guarantor 2/Director 2
Company name
ACN ABN
Mailing Address
Unit number Street number
Street name
Suburb
State Postcode
Trading Address
Unit number Street number
Street name
Suburb
State Postcode
Industry
Date established (DD/MM/YY)
/ /
Page 7 of 14
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INGD DM393
|
11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Step 10: Your assets and liabilities
Your assets
Monthly Investment
Suburb Postcode Value ($) Income* ($)
Existing property (home)
Investment property 1
Investment property 2
Motor vehicle 1
Motor vehicle 2
Other assets e.g. furniture, personal eects, collectables, boat, etc.
Savings with (name of institution):
Deposit already paid on new home or investment property
Investments: Superannuation
Shares
TOTAL ASSETS
*How to convert to monthly amounts: Weekly income – multiply by 52 then divide by 12. Fortnightly income – multiply by 26 then divide by 12. Yearly income – divide by 12.
Your liabilities
Amount owing Facility Monthly
(incl. available redraw) ($) limit ($) payment ($) Financier
TOTAL LIABILITIES
Existing mortgage
(investment property 1)
Existing mortgage
(investment property 2)
Existing mortgage (home)
Personal loans or
hire purchase
Car lease/hire purchase
Other debts
(store account/s, HECS, etc.)
Contingent liability
(e.g. guaranteed debt)
Rent/board paid
(if applicable)
Credit card(s)
Indicate if debts to
be repaid prior to
or on settlement
Child maintenance
Your living expenses
Weekly ($) Fortnightly ($) Monthly ($) Annual ($)
General living expenses
(to include groceries, utilities, phone, clothes, home maintenance, pets etc.)
Cars and transport
Personal and general insurance
Education and childcare expenses
Entertainment and leisure expenses
Other expenses
0
0
0
0
0
Page 8 of 14
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INGD DM393
|
11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Step 11: Income
Step 12: Changes in financial circumstances
Personal income
Applicant 1/Guarantor 1/Director 1
PAYG Gross monthly income* ($)
Regular overtime
Second job income
Car allowance^
Fully maintained car^^
Other Income
Family tax benefits (Part A+B)
Existing rental income
Proposed rental income
Other income (e.g. commission/bonus)
TOTAL INCOME
Applicant 2/Guarantor 2/Director 2
PAYG Gross monthly income* ($)
Regular overtime
Second job income
Car allowance^
Fully maintained car^^
Other Income
Family tax benefits (Part A+B)
Existing rental income
Proposed rental income
Other income (e.g. commission/bonus)
TOTAL INCOME
* How to convert to gross monthly amounts (before tax). Weekly – multiply by 52 then divide by 12. Fortnightly – multiply by 26 then divide by 12. Yearly – divide by 12.
^ Paid to you by your employer to cover vehicle running costs.
^^ Only tick this box if your employer is providing you a fully maintained car which is in addition to your salary.
Investment income
(including dividends paid to you by your own company)
Investment income
(including dividends paid to you by your own company)
Base income
(including salary paid to you by your own company)
Base income
(including salary paid to you by your own company)
Child maintenance
(must be court ordered)
Child maintenance
(must be court ordered)
Personal income
Last financial year ($) Previous financial year ($)
Profit from business distributed to all Applicants/Guarantors
(if sole trader/partnership/trust)
Net profit before tax (if company) - excluding dividends paid
Add back depreciation on fixed assets (Land and Building only)
Add back interest on debts refinanced/repaid
Other add back(s) (e.g. non recurring expenses)
Description
TOTAL INCOME
Business Income (sole trader/company/partnership/trust applicant/guarantor)
Are you aware of any changes that may aect your ability to meet your financial obligations? Yes No
If yes, what kind of change are you expecting?
Temporary decrease income Permanent decrease income Anticipated large expediture
Temporary increase in expenses Permanent decrease in expenses Other (please specify details below)
How will you continue to meet your financial obligations?
Secure additional income Sale of assets Reducing expenditure
Using savings My application reflects these changes
0
0
Page 9 of 14
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INGD DM393
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11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Step 13: Security property details
All security properties listed will secure all loans/splits on this application form. Important note: Where more than one property is listed, an additional
valuation fee will apply. This fee is non-refundable and is payable at the time of your application.
Property 1
Unit number Street number
Street name
Suburb
State Postcode Number of bedrooms
Estimated value Residential Commercial
$
Type of Security
House Unit Villa/Townhouse
Vacant Land Rural
Type of Purchase
Established Home O the plan
Newly constructed home Favourable (not arms length)
Is property unencumbered?
Yes No
Source of estimated value (e.g. purchase price, customer estimate)
Estimated LVR % LMI
Yes
No
Registered Owners
Name(s) to appear on Certificate of Title after settlement
Contact for access (for valuation)
Phone number
Property 2
Unit number Street number
Street name
Suburb
State Postcode Number of bedrooms
Estimated value Residential Commercial
$
Type of Security
House Unit Villa/Townhouse
Vacant Land Rural
Type of Purchase
Established Home O the plan
Newly constructed home Favourable (not arms length)
Is property unencumbered?
Yes No
Source of estimated value (e.g. purchase price, customer estimate)
Estimated LVR % LMI
Yes
No
Registered Owners
Name(s) to appear on Certificate of Title after settlement
Contact for access (for valuation)
Phone number
Property 3
Unit number Street number
Street name
Suburb
State Postcode Number of bedrooms
Estimated value Residential Commercial
$
Type of Security
House Unit Villa/Townhouse
Vacant Land Rural
Type of Purchase
Established Home O the plan
Newly constructed home Favourable (not arms length)
Is property unencumbered?
Yes No
Source of estimated value (e.g. purchase price, customer estimate)
Estimated LVR % LMI
Yes
No
Registered Owners
Name(s) to appear on Certificate of Title after settlement
Contact for access (for valuation)
Phone number
Page 10 of 14
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INGD DM393
|
11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Solicitor’s or Representative’s details
Name of firm
Contact name
Phone number
Email address
Unit number Street number
Street name
Suburb
State Postcode
Accountant’s details
Name of firm
Contact name
Phone number
Email address
Unit number Street number
Street name
Suburb
State Postcode
Step 14: Solicitor and Accountant details
Step 15: Orange Everyday Transaction Account
Complete this section if you wish to apply for an Orange Everyday bank account in addition to your home loan.
Name of Applicant 1
Yes please, I’d like to open an Orange Everyday transaction account.
By checking ‘Yes please’, I acknowledge that:
I have read the Orange Everyday Terms and Conditions booklet and Fees and Limits Schedule available at www.ingdirect.com.au/everyday/.
I agree that I have been given the opportunity to print or save them and that I will not otherwise be provided with a copy (unless I ask for one).
I request that ING DIRECT send me a Visa Debit Card when my Orange Everyday Transaction account is opened.
Name of Applicant 2
Yes please, I’d like to open an Orange Everyday transaction account.
By checking ‘Yes please’, I acknowledge that:
I have read the Orange Everyday Terms and Conditions booklet and Fees and Limits Schedule available at www.ingdirect.com.au/everyday/.
I agree that I have been given the opportunity to print or save them and that I will not otherwise be provided with a copy (unless I ask for one).
I request that ING DIRECT send me a Visa Debit Card when my Orange Everyday Transaction account is opened.
Important notes
• Where only one applicant completes the section above, the Orange Everyday will be opened in their single name.
• Where both applicants complete the section above, the Orange Everyday will be opened in joint names.
• The Orange Everyday will not act as an interest oset account unless you are applying for an Orange Advantage home Loan.
Orange Advantage home loan applicants
Completion of the above is mandatory if you are applying for an Orange Advantage home loan unless you already have an Orange Everyday
transaction account.
The Orange Everyday transaction account will be your 100% interest oset account and must be in the same name(s) as your Orange Advantage
home loan.
If you already have an Orange Everyday transaction account that is in the same name(s) as this application, please provide your account number
and we’ll use this as your interest oset account.
Orange Everyday account number
Page 11 of 14
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INGD DM393
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11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Note: This section may be completed where joint Applicants reside
at the same address and do not wish to receive individual copies
of notices and other documents under the National Credit Code, if
the lending facility is for personal purposes, i.e. NOT for business or
investment purposes.
Each joint debtor/mortgagor is entitled to receive a copy of any notice
or other document under the National Credit Code. You may, however,
nominate that one person receive all notices on your behalf.
By signing the following nomination you are giving up the right to be
provided with information directly from ING DIRECT. You can, however,
at any time advise ING DIRECT in writing that you would like to cancel
your nomination and accordingly would like to receive directly a copy
of any notice or other document under the National Credit Code.
I/We nominate:
Mr Mrs Ms Miss Other
Surname
First name
Middle name
to receive notices and other documents under the National Credit Code
on behalf of me/all of us. The notices and documents are to be sent to
the following address:
Contact name
Phone number
Unit number Street number
Street name
Suburb
State Postcode
Signature of Applicant 1 Date (DD/MM/YY)
/ /
Signature of Applicant 2 Date (DD/MM/YY)
/ /
Consent by Applicant/s and Guarantor/s
ING DIRECT is a division of ING Bank (Australia) Limited ABN 24 000 893 292
Name of Applicant 1
Guarantor(s)
Name of Applicant 2
Guarantor(s)
Privacy Notification
At ING DIRECT we recognise that privacy and security of personal
information is important to our customers.
We respect the confidentiality and security of your personal
information and we are committed to protecting it at all times.
1. Collection and use of your personal information
ING DIRECT collects personal information to provide you with information
about a financial product or service; to assess your application and
eligibility for a financial product or service; to provide you with the
financial products and services that you’ve requested; to manage your
account(s) and otherwise administer our relationship with you; and
to communicate with you about ING DIRECT and the products and
services we oer, and then only when its necessary for or related to
these purposes. We also collect any personal information necessary for
the purposes of complying with our legal and regulatory obligations,
including under the Anti-Money Laundering and Counter-Terrorism
Financing Act 2006, and to satisfy our responsible lending obligations
under the National Consumer Credit Protection Act 2009.
By completing and signing this form you consent to our collection, use
and disclosure of your personal information as outlined in this privacy
statement. If you do not provide your personal information, we may be
unable to provide you with ING DIRECT products or services.
2. Disclosure of your personal information
You consent to us disclosing your personal information to
i Other financial institutions
• Other financial institutions, such as banks, credit unions, building
societies and payment services such as VISA, in order to set up and
manage your account and to process banking transactions.
ii Other organisations
ING Group entities and/or third parties, such as:
• ING Group companies in order to service other ING products you may
have within the Group and portfolio analysis;
• ING Group entities located in the Netherlands and Singapore for
account administration, regulatory and security purposes or to
comply with Australian and global regulatory requirements that
apply to us or the ING Group;
• Any third party product and service supplier that we have an
arrangement with (so that either us or they may provide you with
the product or service you have requested or in which you have
expressed an interest);
• Organisations undertaking reviews of the integrity of our operations,
including the completeness of our information;
• Authorised organisations providing services or functions on our
behalf (including mailing services, document storage services, direct
marketing, data verification services, information technology support
and printing our standard documents and correspondence);
• Our solicitors, valuers and insurers (for loan products);
• Credit reporting or information verification bodies (or their aliated
entities) in order to obtain and provide details about your credit
history or status, to verify other information about you including
your identity, to carry out your request to correct your credit
information or to resolve your complaint about the handling, use or
disclosure of your credit information; and
Step 16: Nomination to receive notices
Step 17: Declarations
Page 12 of 14
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INGD DM393
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11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
• Any person acting on your behalf including mortgage
intermediaries, your financial adviser, power of attorney, solicitor or
accountant.
Any example used above to indicate when we might disclose personal
information may not be limited to those examples (or examples of a
similar kind).
Personal information will only be disclosed to third parties other than
those listed above if you have consented; if you would reasonably expect
us to disclose information of that kind to those third parties; if we are
authorised or required to do so by law; or it is necessary to assist with
law enforcement.
3. Collection, use and disclosure of your credit information
By making this application, you agree that subject to the Privacy Act
ING DIRECT and any other financier who at any time provides or has an
interest in the credit, can do any of the following at any time:
i Commercial credit information
Collect any commercial credit information from a business that provides
commercial credit worthiness information and use that information to
assess an application for consumer credit or commercial credit.
ii Consumer credit information
Collect any consumer credit information from credit reporting bodies
and use that information to assess an application for consumer credit or
commercial credit.
iii Collection of overdue payments
Collect and use a credit report provided by a credit reporting body to
collect overdue payments.
iv Provide information to mortgage insurer
Disclose information to a mortgage insurer to assess the risk of providing
mortgage insurance; to assess the risk of default; to assess the risk of a
guarantor being unable to meet a liability arising under a guarantee; to
administer and vary the insurance cover including for securitisation and
hardship applications; to verify information that we collect about you;
to deal with claims and recovery of proceeds including, among other
things, to enforce a loan in place of a lender if the mortgage insurer pays
out an insurance claim on your loan; for a mortgage insurance purpose
relating to you; and for any other purpose under the insurance policy
issued to us relating to your loan, as well as for other management and
risk purposes.
v Exchange of information between credit providers
Collect, use or disclose to another credit provider (including without
limitation any other credit provider who has lent money on the same
security) any information or opinion about credit worthiness, credit
standing, credit history or credit capacity.
vi Exchange of information with introducers
Collect any consumer or commercial credit information from, or disclose
that information to, any introducer, financial consultant, accountant,
lawyer, or intermediary (including any introducer mentioned on the front
page of this application form) acting in connection with any financing
provided.
vii Provide information to credit reporting bodies
Disclose to credit reporting body personal or commercial credit-related
information. The information may include identity particulars; the fact
that credit has been applied for, the amount and type of credit and the
applicable terms and conditions; repayment history information; the fact
that the lender is a current credit provider; in specified circumstances
payments which become overdue more than 60 days, and for which
action has been commenced; advice that payments are no longer
overdue; in specified circumstances our opinion that there has been a
serious credit infringement; and the credit provided has been paid or
otherwise discharged and the date on which this occurs.
viii Provide information for securitisation
Disclose any report or personal information to another person in
connection with funding financial accommodation by means of an
arrangement involving securitisation.
ix Provide information to guarantors
Disclose information to any person who proposes to guarantee or has
guaranteed repayment of any credit provided.
x Provide information in relation to disputes and enquiries
Disclose consumer credit information, commercial credit information,
and personal information to any industry body, tribunal, court or
otherwise in connection with any complaint regarding the approval or
management of your loan.
xi Authority in relation to a mortgage insurer
You also agree that this authority applies to any mortgage insurer,
who may have to use, hold and disclose to third parties (including third
parties located overseas) any personal information they collect about
you from us in order to assess whether to insure the risk of providing
mortgage insurance; to assess the risk of default; to assess the risk of a
guarantor being unable to meet a liability arising under a guarantee; to
administer and vary the insurance cover including for securitisation and
hardship applications; to verify information that we collect about you;
to deal with claims and recovery of proceeds including, among other
things, to enforce a loan in place of a lender if the mortgage insurer pays
out an insurance claim on your loan; for a mortgage insurance purpose
relating to you; and for any other purpose under the insurance policy
issued to us relating to your loan, as well as for other as well as for other
management and risk purposes.
Our website includes information about credit reporting, including details
of the credit reporting bodies that we deal with, what information we
provide to credit reporting bodies (including if you fail to meet your
payment obligations or commit a serious credit infringement) and what
information credit reporting bodies provide to other credit providers, your
right to request credit reporting bodies not to use your credit reporting
information for the purposes of direct marketing and information about
your right to initiate a ‘ban period’ in cases of actual or suspected
identity fraud. You can access this information at http://www.ingdirect.
com.au/privacy.htm, or in hard copy by calling 133 464.
4. Access, correction and complaints
Our Privacy Policy contains information about how you:
• can access your personal information that we hold and seek the
correction of that information; and
• may complain about a breach of the Australian Privacy Principles,
Part IIIA of the Privacy Act, or the Credit Reporting Privacy Code, and
how we will deal with such a complaint.
5. Marketing
We, or other ING Group entities, may provide you with further
information about ING Group products and services unless you tell us
not to. You may elect not to receive further information about us or ING
Group products and services by contacting us online, calling or writing
to us. If you have provided an email address to us, we may contact you
using that email address, including to provide you with information
about ING DIRECT or our products.
Our privacy statement may be updated from time to time, as we strive
to improve the standard of service we provide to you. If you would
like further information regarding privacy, you can review our current
Privacy Policy online at www.ingdirect.com.au or request a copy by
either calling or writing to us.
This privacy statement applies to ING DIRECT, a division of ING Bank
(Australia) Limited.
Signed by Applicant 1/Guarantor 1/Director 1 Date (DD/MM/YY)
/ /
Signed by Applicant 2/Guarantor 2/Director 2 Date (DD/MM/YY)
/ /
Step 17: Declarations (continued)
Page 13 of 14
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INGD DM393
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11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Declaration - this section must be completed
I/We have completed or arranged for completion of and read and
understood the particulars set out in this form and declare them to be
true and complete.
The representations have been made to ING DIRECT to enable it to
determine whether or not to oer a loan to me/us and I/we understand
and acknowledge that ING DIRECT is relying on the information provided
by me/us in this form in determining whether to oer the loan.
I/We hereby authorise ING DIRECT to make any other enquiries relative to
this loan application, which it considers necessary. I/We also understand
that this form does not in any way constitute an oer to lend or an
acceptance of a loan oer.
Despite any representations which may be made to us by any person,
I/we understand and acknowledge that ING DIRECT is not bound
to approve this loan application, and is not to be treated as having
approved this loan application until I/we receive a Letter of Oer/Loan
Variation Confirmation from ING DIRECT confirming approval of the loan
and listing the approval conditions, if any. I/We understand that no loan
can settle until those conditions have been met.
Where the borrower is a company, it authorises each director of the
company named as an authorised signatory on the “Authority to
Operate” form to operate its loan account in all respects as if they
were a borrower under the loan. This authority does not extend to the
authorised signatory amending or revoking this authority or authorising
other persons to operate the loan account (in which case all authorised
signatories must agree). This loan application is executed below in
accordance with the constitution of the company by two directors/a
director and the secretary/the sole director and sole company secretary
(as applicable) of the company.
I/We understand that ING DIRECT does not express an opinion as to the
viability of any investment that may be the subject of this loan and
does not accept any liability in respect of any loss or damage, I/we may
sustain as a consequence of:
a) the failure of the investment to perform as expected or,
b) a change in my/our circumstances.
I/We understand that I/we may be requried to pay a non-refundable
valuation fee at the time of my/our application. The amount of this
valuation fee (if any) is set out under the Funding Summary section.
The valuation fee will be paid in accordance with my/our nominated
payment method in the Additional fees section.
I/We understand that fees and charges will apply (these fees and
when they are payable will be set out in any Loan Oer/Loan Variation
Confirmation that you give me/us).
To the best of my/our knowledge and belief, all the information given in
this form is true and correct.
Borrower 1/ Guarantor 1 Full Name
Borrower 1/Guarantor 1 Address
Signed by Borrower 1/Guarantor 1 Date (DD/MM/YY)
/ /
Borrower 2/ Guarantor 2 Full Name
Borrower 2/Guarantor 2 Address
Signed by Borrower 2/Guarantor 2 Date (DD/MM/YY)
/ /
Step 17: Declarations (continued)
Page 14 of 14
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INGD DM393
|
11/15
ING DIRECT a division of ING Bank (Australia) Limited
|
ABN 24 000 893 292
|
AFSL and Australian Credit Licence 229823
Note that application fees are taken out at settlement (excluding Commercial Loans). This section is for payment of all other fees (except the Fixed Rate
Lock-In fee – please complete the Fixed Rate Lock-In Request form.)
Option 1 – Payment by Credit Card
Received from
Mr Mrs Ms Miss Other
First name
Middle name
Surname
Please debit the following card
Visa MasterCard
For the amount of
$
Card number
Expiry date
/
Signature
Option 2 – Payment by Cheque
Cheques should be made payable to “ING DIRECT”
Payment by you will only be credited when actually received by
ING DIRECT. ING DIRECT is not liable for any cheque until it is actually
received and cleared by ING DIRECT.
ING DIRECT will hold the cheque until the Loan Oer is dispatched.
Attached is a cheque for the sum of
$
Step 18: Additional fees – please complete where applicable
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INGD IM258 10-08 Indd Home Loans - Loan application - Direct

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Completed 20 June 2020

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