Fillable Online Loan Application Form V30092019E 4 (Blue Mountains Hotel School)

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Online Loan Application Form V30092019E 4 (Blue Mountains Hotel School)

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The Online Loan Application Form V30092019E 4 (Blue Mountains Hotel School) form is 5 pages long and contains:

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  • 111 check-boxes
  • 26 other fields

Country of origin: AUSTRALIA
File type: PDF

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Mortgage Ezy Electronic Loan Application Form
ABN : 56 606 554 321
Australian Credit Licence Number : 494807
Street Address :
7/42 Bundall Road, Bundall, QLD, 4217
Mailing Address :
Locked Bag 7640, GCMC, QLD, 9726
Contact Numbers :
Ph: (07) 5554 3333
E: newloans@mezy.com.au
Applicant Name 1
Finance Date
Applicant Name 2 (if applicable)
Settlement Date
Please attach the following documents and information relating to the loan requirements and employment status.
Additional information may be requested during assessment dependent upon client circumstances and/or Funder/LMI credit policy.
Required for all Applications
Fully completed Loan Application
(including Privacy Act and all declarations signed)
Mortgage Ezy Rate to Borrower Calculator (optional)
Mortgage Ezy and/or LMI Servicing Calculator
Mortgage Ezy Verification of Identity Form
Exit Strategy if any applicant is over 55
Non Resident Credit Report (if applicable)
Current statement on all credit facilities remaining post settlement
(Not required for Alternative)
For Ezy, Special, Balanced or Enterprize, 3 months transaction
statements no older than 31 days
A copy of Council Rates notice on security properties
PAYG Applications
Most recent statement within 1 month on all mortgage, LOC, Personal
loans and Credit Cards held by the Applicants OR letter from bank
confirming contracted repayment and limit as well as current interest
rate not older than 6 months AND
2 of the most recent computerised payslips less than 30 days old with
YTD details AND Latest 3 months bank statements from a financial
institution in the name of the employee showing regular salary credits
from the employer
Capitalizer only - Employment agreement or letter from employer and
last 6 months personal bank account statements showing salary
credits
OR 2 OF THE FOLLOWING:
2 of the most recent computerised payslips less than 30 days old with
YTD details
Latest 3 months bank statements from a financial institution in
the name of the employee showing regular salary credits from
the employer
Signed employment contract
Signed and dated letter, less than 60 days, from the employer on
company letterhead including ABN, job description, gross salary &
length of service
Latest PAYG summary
Most recent Tax Assessment Notice
Most recent Tax Returns
Company, Trust or Partnership Applications
Last 2 years financial statements (profit & loss & balance sheet)
Last 2 years Personal Taxation Returns for all Applicants, Guarantors
(inculding adult beneficiaries) and Directors
Signed copy of Trust Deeds (if applicable)
Last 2 years full Taxation Returns of the Trustee
Company and Trust Appendix
Copy of Partnership Agreement
New Purchase Applications
Front page of Contract of Sale / Contract Note
(must show purchase price, finance & settlement date, any special
conditions and Rebates)
Evidence of funds to complete the purchase of the property
Statutory Declaration stating funds being gifted are non
refundable including a statement of funds (if applicable)
Last 3 months bank statements confirming genuine savings
(5% savings over 3 months if LVR greater than 90%)
If Investment a letter/statement from Real Estate Agent
confirming estimated rental income or lease agreement
Construction Applications
Fixed price building contract, quote or tender PLUS
Proposed building plans and specifications
Refinance Applications
Loans being refinanced - Last 6 months loan statements. For Balance &
Special Products ≤ 80% LVR, only 3 months loan statements required
Last 3 months statements for credit / store cards being refinanced
Discharge Authority for current Lender
Signed statement from the applicant stating the purpose of any cash out
Copy of current paid council rates notice for the property being
refinanced
Checklist - INFORMATION NOT SUPPLIED AT LODGEMENT MAY CAUSE DELAYS IN APPROVAL OR SETTLEMENT.
Page 1 of 9 v30092019E
Alt Doc Self Employed Documentation
Alternative Alt Doc Declaration & Accountant Letter
Capitalizer Accountant Letter
Enterprize Alt Doc Supplementary Application Form
Ezy Alt Doc Declaration & Accountant Letter
Flexi Loans Declaration & Accountant Letter
Specialist Alt Doc Declaration & Accountant Letter
Self Employed Applications
Last 2 years full business / Company Taxation Returns
and financials PLUS
Last 2 years full Personal Taxation Returns
Current Taxation Assessment Notices
Capitalizer only - Last 6 months personal bank statements
✔
Yes
No
Yes
No
If the answer is ‘No’ to ANY of the above, please provide details.
6. How does the loan product(s) selected meet the customer's requirements end objectives? (e.g. fixed rate provides repayment stability
and access to offset for budgeting flexibility)
Ye
s No
Introducer Declaration I declare that I have interviewed the applicant(s) and confirm that:
4. Customers borrowing requirements and objectives and resulting benefits (e.g refinance at a lower interest rate to reduce loan payments)
5. Specific features requested, and any associated risks or costs (e.g fixed rate, offset account)
7. If refinancing or consolidating debts, please provide details of the debts being refinanced or consolidated and the resulting benefit for
all the applicant's existing loans and those being refinanced or consolidated.
Loan purpose and benefits
Refinance reasons:
Convenience / flexibility
Consolidate financials
Cost reduction
Quality of service
Specific features
1. I have met the client face to face and verified their identity.
2. The applicant(s) have demonstrated sufficient English fluency to understand the loan and its implications.
3. The financial position of the applicant(s) is verified in the loan application, and the income and outgoings,
assets and liabilities are specified.
ACL Number Licence Holder Name Business Partner/Credit Rep Name Credit Rep/Licence No:
Estimated refinance costs:
Liability: (Loan type ie: home loan, credit card and account number.
Liability: (Loan type ie: home loan, credit card and account number.
Liability: (Loan type ie: home loan, credit card and account number.
Business Partner Details and Declaration
MEZY Accreditation No.:
Estimated exit costs:
Estimated exit costs:
Estimated exit costs:
Page 2 of 9 v30092019E
Page 2 of 16 v20170914
Page 2 of 16 v20170914
Name of Business Partner
Signature
Date
I hereby declare the following: The information I have collected and verified is true and correct. The original current documents were produced to
me as true copies are attached to this certification. All information I have or will provide in connection with the above loan is correct and not
misleading as far as I know. We are aware this application may be audited by Mortgage Ezy for credit quality. The person being identified appears
to have similar facial characteristics as the person in the photographs included in the original identity documents. Nothing in my dealings with the
applicant have raised suspicions concerning the proposed transaction or the applicant/guarantor's identities. I am satisfied that the identity of the
Applicant(s) whose name, former name (if applicable), their signature, date of birth and residential address appears has been verified in
accordance with the criteria listed. I confirm that I have sighted and verified documents relating to any company, trust or partnership and details are
true and correct. Complete copies of these are attached to this form. I have made a preliminary assessment that the proposed loan is not
unsuitable and is appropriate. The assessment is valid for 90 days from the date below and I have sighted and validated all the original documents
and all copies of documents throughout the loan process associated with this loan application forwarded to Mortgage Ezy. I have provided all
parties all documents required under the National Consumer Credit Protection Act 2009 and I hereby indemnify Mezy Assets Pty Ltd and its
funders in respect of any loss claim or expense (including civil and criminal penalties) arising from my conduct or the conduct of any of my
associates in connection with this loan.
1. The income and expense information provided within the application are those obtained from the applicant(s) during my preliminary
assessment.
2. I collected the individual documents and verified the identity of the applicant(s). I also confirm that copies of all documents sent to
Mortgage Ezy are held by us. We will retain these documents and will make them available to Mortgage Ezy if requested. We are aware
this application will be audited by Mortgage Ezy.
3. I have made reasonable enquiries and based on the information provided to me by the applicant(s) the recommended product is NOT
UNSUITABLE on the basis that it is consistent with the applicant(s) requirements and objectives and the applicant can comply with their
financial obligations without substantial hardship.
4. For interest only term loans and line of credit:
a) The interest only period aligns with the applicant(s) requirements.
b) I have explained the following additional risks and costs of an interest only term to the applicant(s): interest only repayments will not pay
off any principal during the interest only term; the repayments required to pay out the loan will increase after the interest only period ends to
cover both interest and principal reductions; and the applicant/s may pay more over the life of their loan than if there was no interest only
term.
5. The applicant(s) is not disadvantaged by any conflict of interest in relation to any incentives or commissions that I may receive for
writing this loan.
6. No conflicts of interest exist between the applicant(s) and myself (e.g. the transaction is at arm’s length and the applicant(s) is not a
friend, partner or family member). If a conflict exists please provide details below:
Yes
No
Yes
No
8. Are any persons named in this form or any of their close personal business relationships, associates or
family members, politically exposed persons,(PEPs) e.g. Head of States, senior politicians, senior government
officials (including local government), judicial or military officials, senior executives of state owned corporations,
or senior political party officials?Are they members of an international organisation, being senior management,
i.e. directors, deputy directors and members of the board or who have been entrusted with equivalent
functions?
9. Are the applicants experiencing any financial stress from existing commitments, applied for hardship
through their existing lender, or has the borrower identified anything that may adversely affect their ability to
meet their current and future financial obligations? If 'Yes' Provide explanation and strategy to continue to
make repayments.
If the answer is ‘Yes’ to ANY of the above, please provide details.
I confirm that:
Page 3 of 9 v30092019E
Purpose of the Loan (Please indicate the intended purpose of the loan)
LOAN PURPOSE: (e.g purchase of an owner occupied home, refinance at a lower interest rate to reduce loan
payments.) If the loan is for more than one purpose, a dollar amount is to be recorded for each.
Application Features - What features are important to the customer? (Please complete all)
Yes
No
Not essential
Yes No
Not essential
Yes No
Not essential
Yes No Not essential
Yes No
Not essential
Yes
No Not essential
Yes No Not essential
Yes No Not essential
Pay off quickly / additional payments
It is important that the loan is paid off quickly and that additional payments are allowed
without penalty.
Split account.
It is important to have more than one loan sub account/s, or a separate account for
savings/investments funds, for tax, accounting or personal expense purposes.
Re-draw
It is important to have access to additional repayment funds should it be required.
100% Offset
It is important to have a separate savings account linked to the loan that offsets the
savings balance against the loan balance.
Fixed Rate
It is important to have certainty about the interest rate and/or repayment for a fixed term.
Fixed & Variable
It is important to have combination of Fixed and Variable interest rate.
Interest Only
It is important to make Interest Only repayments for a specified term.
Line of credit
It is important to have a revolving facility that allows you to draw to a limit via EFTPOS,
ATM, Internet or Cheque.
Other features sought
2
Notes regarding the application or applicant/s: Please include all information in your online submission which you consider necessary to
assist in processing the application e.g. explanation of defaults, special requirements, etc.
Security Property: Do you intend to sell the current property offered as security within the next 3 years?
Please provide special notes used to service this loan. Are you using additional income for servicing?
Yes No
Yes No
Yes No
Commissions
Yes
Other
Yes No
Overtime
No
Yes No Not essential
Authority for payment of fees by Credit Card
I/We hereby authorise the Non-Refundable application and associated processing fees for this loan application to be charged to my/our
credit card. I/We acknowledge that if this loan does not proceed I/We will be charged for services undertaken or provided during
the assessment. Mortgage Ezy does not accept American Express.
Please tick one of the below fee charging categories, confirming authorisation and complete and sign the credit card particulars.
$250 processing fee which includes one free valuation up to a cost of $330, otherwise actual cost of valuation charged.
Actual cost of Valuation on Specialist, Capitalizer and Commercial Loans.
Card number (16 digits)
Card type
Expiry (MM/YY)
CCV
Date
Cardholder's name
SIGN
HERE
Cardholder's signature
Page 4 of 9 v30092019E
Application Terms
Every Applicant for a loan must read the following sections carefully and should complete and sign where indicated only after having read each section.
Your signature may be required in more than one place.
Declarations and Acknowledgment - Applicant(s)
Have you and/or your spouse/joint applicant or any company with which you were associated:
1 Had any unsatisfied judgement(s), entered in any courts or had a property foreclosed upon or given title or deed in lieu thereof?
2 Ever had legal action instituted against you for default under any credit contract?
3 Ever been declared bankrupt or insolvent, or has either estate been assigned for the benefit of creditors? If yes, what was your bankruptcy
discharge date if any? ______________________________
4 Ever been shareholders or officers of any company of which a manager or receiver and/or liquidator has been appointed?
5 Obtained from borrowings any part of the deposit or the balance required to complete this transaction?
6 Submitted any application in respect of this loan to any other person or to any other lender? If so, provide details below including the
decision. 7 Guaranteed a loan?
If the answer is 'Yes' to any question above, give details below.
The undersigned hereby applies for the loan described herein and to be secured by a mortgage on the property described herein. The undersigned hereby confirms that if the
application has been completed by any other person it was done on their authority and that they have read all the details inserted and represent that all statements made in this
application are true and made for the purpose of obtaining the loan. Attention is drawn to the fact that if any false information or statements have been made in this application, the
applicants may be subject to a penalty of imprisonment and/or fine or requirement to pay the full loan amount immediately on demand. Verification may be obtained from any source
named herein.
The undersigned agrees to support this application with a valuation of the subject property by a qualified valuer selected by Mortgage Ezy and/or its Funders and/or its Mortgage
Managers and/or its Mortgage Insurers at the expense of the undersigned and without implied obligation on the part of Mortgage Ezy and/or its Mortgage Managers and/or its Mortgage
Insurers. I/We understand that the valuation report obtained is for credit providers benefit only and is valid for a maximum term of 3 months.
I/We understand that it is the credit providers choice as to whether to make this report available to applicants. The undersigned further agrees to pay all necessary expenses, including
application and processing fees, establishment fees, valuation fees and legal costs, incurred in obtaining this loan.
I/We understand that I /We will not be entitled to a refund of processing fees paid whether or not a property valuation has been completed. It is agreed that by accepting this application
Mortgage Ezy and/or its Funders and/or its Mortgage Managers and/or its Mortgage Insurers are not obliged to grant a loan. Approval of application will be on terms and conditions
governed by the credit provider.
I/We note that the mortgaged property will require general insurance coverage against hazards at least equal to the value of the property improvements. Such insurer must be
acceptable to Mortgage Ezy, the Funder, its Managers and Insurers, who have sole discretion of rejection without grounds. Independent legal and financial advice is recommended. The
undersigned’s Solicitor or Agent is authorised to accept notice on behalf of the undersigned.
I/We declare that I/We, the undersigned, am/are over the age of 18 at the time of making of this application.
I/We acknowledge and agree to all conditions of use if applicable to Home Banking/Credit Cards and that initial and ongoing fees may be paid by Mortgage Ezy, its Managers and
Insurers to any party for loan processing on our behalf.
I/We understand that fixed and variable rates are subject to change as well as margins and discounts available between brokers and aggregator groups resulting in rates to borrowers
not necessarily being the same as those offered to other applicants.
Each applicant acknowledges that if the credit provider approves the applicant’s application for a Visa account the credit provider will open an account in the
name(s) of the applicant(s) and will debit the fees described above as are relevant to the account . Interest will be charged on the fees. The fees are payable in accordance with terms
and conditions of the Visa contract that may be offered and accepted as a result of this application. Authorised, having read, agreed to and understood, all
elements of application.
Electronic Delivery of Loan and Security Documentation (if available)
Nomination and electronic delivery (please check applicable boxes)
By signing and providing your email on this form, you consent to us and the Funder giving you notices and other documents in connection with our dealings with you by email. You
understand that upon your giving of this consent (1) we may no longer send paper copies of notices and other documents to you; (2) you should regularly check your nominated e-mail
address below for notices and other documents; (3) you may withdraw your consent to the giving of notices and other documents by e-mail at any time; (4) you have facilities to enable
you to print the notice or other document that we send to you by email if you desire; (5) we will: a) make all notices and other documents available for a period of time on a password
protected section of our website for retrieval by you; or b) we will send you notices and other documents by email; (6) if the information is displayed on our website we will promptly
send you an email address nominated below notifying you that information is available for retrieval on our website and notify you of the nature of the information, and (7) we will no
longer send paper copies of notices and other documents.
Yes No
My Broker (copy only)
My current address
My Solicitor
I direct for the loan and security documentation to be
delivered by email to the address provided with this
application to:
My Solicitor
Myself
Alternatively, the documents are to be posted to:
Page 5 of 9 v30092019E
Application Terms (continued)
Privacy Act Declaration and Consent
By signing this document you consent to Mezy Assets Pty Ltd ABN 56 606 554 321 and some other entities collecting, using, holding and disclosing
personal and credit information about you. You can find out more about how we deal with your privacy by viewing our privacy policy at www.mezy.com. au
If you do not provide us with this consent or provide us with your personal information we may not be able to arrange finance for you or provide other
services.
Collection of some of this information is required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006. If you provide incomplete or
incorrect information we may be unable to provide you with the product or service you are applying for.
I/We acknowledge that I/We have made an application for credit from the manager, Mezy Assets Pty Ltd ABN 56 606 554 321. The Guarantors, if
applicable, acknowledge that I/we have offered to support the Applicants’ application for credit.
Mezy Assets Pty Ltd arranges and manages finance. Some of the funders we use are listed at the end of this consent. In this consent, `we’ includes us and
those funders. We may collect, use, hold and disclose personal and credit information about you for the purposes of arranging or providing credit to you,
managing that credit, direct marketing of products and services by us and managing our relationship with you.
Credit information includes the type and amount of credit provided to you, repayment history information, default information (including overdue
payments) and court information.
Personal information includes any information from which your identity is apparent.
You may gain access to the personal and credit related information that we hold about you by contacting us. A copy of our Privacy Policy can be obtained
at www.mezy.com.au or by contacting us on 1300 TEL EZY (1300 835 399) The link to the privacy policy for our funders is shown at the end of this con-
sent. These Privacy Policies contain information about how you may access or seek correction of your personal information and credit information, how we
manage that information and our complaints process. They also contain information on `notifiable matters’ including things such as the information we use
to assess your creditworthiness, what happens if you fail to meet your credit obligations or commit a serious credit infringement, your right to request that
Credit Reporting Bodies (CRBs) not use your credit information for the purposes of pre-screening credit offers, and your right to request a CRB not to use
or disclose credit information about you if you believe you are a victim of fraud.
Consumer and commercial credit information We may exchange your commercial and consumer credit information with entities listed below to assess an
application for consumer or commercial credit and manage that credit. In particular, we can obtain credit information about you from a CRB providing both
consumer and commercial credit information.
Page 6 of 9 v30092019E
• Mezy Assets Pty Ltd obtaining information about you from a Credit Reporting Body:
o to assess your application for consumer credit or commercial credit or to collect any payment that is overdue in relation to your loan;
and/or
o to assess whether to accept you as a guarantor of the loan,
W
e may need to procure that information more than once, for example (and without limitation), where there is any delay in relation to the
loan application / process; you also consent to the following:
• Mezy Assets Pty Ltd exchanging information about you with credit providers to: assess the application; assess whether to accept you as a
guarantor; assist you to avoid defaulting on your loan or your guarantee; notify credit providers of a default by you; or assess your credit
worthiness. This information may include credit eligibility information;
• If you are a joint applicant under the application for credit or become a joint borrower under your loan, us exchanging information about you with
your joint applicants or joint borrowers to process the application and to administer your loan;
• Mezy Assets Pty Ltd disclosing information (including credit eligibility information to potential guarantors) about you to a potential or existing
guarantor (or their legal representative) but only to assist them to consider whether to act as a guarantor or to offer property as security or to
inform them about:
o the application and details of the obligations guaranteed or proposed to be guaranteed;
o your credit worthiness, credit capacity or credit history; and
o any other matter we decide is relevant to a potential borrower or guarantor;
• Mezy Assets Pty Ltd disclosing to an insurer for LMI insurance, title insurance or trade insurance for the loan for which you applied, information
about you for any purpose in connection with that insurance;
• Mezy Assets Pty Ltd or the credit provider checking the details of the information you gave in the application for credit. We or the credit provider
may contact any person you named in the application for that purpose. If you give us an identity document (for example, your passport or
driver’s licence) in connection with the application, we or the credit provider may contact the authority that issued the document to verify the
status of and any information contained in the document;
• Mezy Assets Pty Ltd exchanging personal information about you with any person acting on your behalf (like a broker or a referrer) relating to
processing the application and establishing and managing your loan or your guarantee;
• Mezy Assets Pty Ltd using the information in the application to better understand and/or manage your relationship with us.
By signing this document, you also declare that you are over the age of 18 years and that the information contained in the application is true and
correct in every particular respect and it is upon this basis that you make the application for credit or guarantee. You also confirm your agreement to
the matters set out in this privacy notice and consent.
Application Terms (continued)
The Insurer collects your information for the purposes of assessing our application and securing and administering LMI for your mortgage, including dealing
with claims and recovery of proceeds.
The information collected by the Insurer is required under the Insurance Contracts Act 1984 (Cth) and is necessary for the Insurer to undertake its
business. If you do not provide any of the information requested of you then the Insurer will not be able to issue insurance. As a result, we may not be able
to provide the mortgage to you.
The Insurer may use your information to assess the risk of providing LMI to us, you defaulting on your obligations to us and you being unable to meet a
liability arising under a guarantee in respect of mortgage finance given (or to be given) by us to another person.
The Insurer may also use your information to verify your details provided by us, administer or vary any LMI cover provided (including for securitisation and
hardship applications, dealing with claims, recovery of proceeds and enforcing the mortgage in the place of us), to conduct risk assessment and
management involving securitisation, credit scoring, portfolio analysis, reporting, fraud prevention and claim recovery, to comply with any regulatory
requirements including under the Privacy Act 1988 and Insurance Contracts Act 1984 as amended from time to time, and for any other LMI purpose relating
to you or under the insurance policy issued by the Insurer to us in respect of your credit with us or as may be permitted by the Privacy Act 1988.
The Insurer may disclose your information to its related companies; us; your guarantor or potential guarantor; other insurers; claims assessors and
investigators; parties for the purposes of securitisation; re-insurers; underwriters; loan servicers; trust managers; trustees and security trustees;
organisations involved in surveying or registering a security property or which otherwise have an interest in a security property; ratings agencies; credit
reporting bodies; its service providers (including marketing companies, data consultants and IT contractors); its agents, contractors, and external advisers;
your referees, including your employer; your legal and financial advisers; brokers or referrers that submitted applications on your behalf or referred you to
the mortgage manager; organisations that are involved in debt collecting or in purchasing debts; mercantile agents if you default on your obligations to us;
payment system operators; parties involved in fraud prevention (including organisations such as fraud reporting agencies, that may identify, investigate
and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other serious misconduct); other financial institutions and credit providers; and
government and other regulatory bodies (e.g. the Insurance Council of Australia, ASIC and the ATO).
Where permitted by the Privacy Act 1998 the Insurer may disclose your information to organisations located overseas (including in the USA, Canada, the
United Kingdom or the Philippines) such as its related companies, re-insurers, service providers (including but not limited to data consultants and IT
contractors), its agents, contractors and external advisers and government and other regulatory bodies. Overseas organisations may be required to disclose
information shared with them with relevant foreign authorities under a foreign law. In those instances the Insurer is not responsible for that disclosure.
QBE Lenders’ Mortgage Insurance Limited (ABN 70 000 511 071)
82 Pitt Street, Sydney NSW 2000
Phone: 1300 367 764
Contact: Privacy Officer
Email:compliance.manager@qbe.com
Website: www.qbelmi.com
Genworth Financial Mortgage Insurance Pty Limited (ABN 60 106 974 305)
Level 26, 101 Miller Street, North Sydney NSW 2060
Phone: 1300 655 422
Website: www.genworth.com.au
Customer Identification We may disclose personal information about you to an organisation providing verification of your identity, including on-line
verification of your identity.
Direct Marketing From time to time we may use your personal information to provide you with current information about finance, offers you may find of
interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 1300 TEL EZY (835 399)
or by writing to us at Locked Bag 7640 GCMC QLD 9726. If the direct marketing is by email you may also use the unsubscribe function. We will not charge
you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Lenders Mortgage Insurers (insurers) In this Privacy Act Declaration and Consent, the “Insurer” means each of the following organisations (whether
acting individually or together):
We may disclose your personal information and credit-related personal information when we apply to the Insurer for lenders mortgage insurance (LMI).
By you signing this application, the Insurer can do the following:
Where permitted by the Privacy Act 1988, the Insurer may seek and obtain from a credit reporting body commercial credit information concerning your
credit worthiness or history; consumer information; and collection of overdue payments information.
• Trade insurers
• Any person where we are required by law to do so
• Any of our associates, related entities or contractors
• Any organisation providing online verification of your identity
• Any person considering acquiring an interest in our business or assets
• Your referees, such as your employer, to verify information you have
provided
• Finance brokers, mortgage managers, and persons who assist us to
provide our products to you
• Financial consultants, accountants, lawyers and advisers
• Any industry body, tribunal, court or otherwise in connection with any
complaint regarding the approval or management of your loan
- for example if a complaint is lodged about us or the lender
• Businesses assisting us with funding for loans
Exchange information with credit providers We may exchange your personal and credit information with other credit providers for the purposes of
assessing your creditworthiness, credit standing, and credit history or credit capacity.
Exchange information with guarantors
We and the lenders mortgage insurers listed below may exchange your personal and credit information with any
person who proposes to guarantee or has guaranteed repayment of any credit provided to you.
Exchange
information We
may
exchange
personal
and
credit
information with the following types of entities, some of which may be located overseas.
Please see our Privacy Policy for more information. Where an organisation is located overseas we will take reasonable steps to ensure that it complies with
Australian privacy laws or we will seek your consent to the disclosure.
Page 7 of 9 v30092019E
Application Terms (continued)
The Insurer may also, to the extent permitted by the Privacy Act 1988, disclose information about you to a credit reporting body for any purpose set out in
this consent. The credit reporting body gives other organisations (such as other credit providers) information to help them assess your credit worthiness.
Some of the information may adversely affect your credit worthiness (for example if you have defaulted on your loan) and accordingly, may affect your ability
to obtain credit from other credit providers.
The Insurer may need to exchange your information with credit providers and advisors during the course of the mortgage insurance policy for any purpose
set out in this consent.
The Insurer may seek and obtain further personal information (including sensitive information) about you during the course of the mortgage insurance policy.
The terms of this consent and the Insurer’s Privacy Policy and Credit Reporting Policy apply to the collection, use and disclosure of that information.
The Insurer may store your information in cloud or other types of networked or electronic storage and will take reasonable steps to ensure its security,
however, it is not always practicable to find out where your information may be accessed or held, as electronic or networked storage can be accessed from
various countries via an internet connection.
Each Insurer has a Privacy and Credit Reporting Policy which contains information about: a. how you can access and seek correction of your information
held by the Insurer; b. how you can complain about a breach of the Privacy Act 1988 (including any applicable privacy principles) or any registered privacy
code that binds the insurer in respect of your personal or credit information (as appropriate); and c. how the Insurer will deal with a complaint
Each policy available on the Insurer’s website or by contacting them. Funders and other entities we may disclose your information to include:
Mezy Assets Pty Ltd (and associated entities including its related overseas processing centre) ABN 56 606 554 321 Australian Credit Licence Number
494807 7/42 Bundall Road, Bundall QLD 4217 Ph: 07 5554 3333
Mezy Operations Pty Ltd ABN 38 619 839 520, 7/42 Bundall Road, QLD 4217 Ph: 07 5554 3333
Mortgage Ezy Pty Ltd (and associated entities including its related overseas processing centre) ABN 84 066 631 169 Australian Credit Licence Number
393457 7/42 Bundall Road, Bundall QLD 4217 Ph : 07 5554 3333
Mortgage Ezy Australia Pty Ltd ABN 19 104 294 635 Level 42, 1 Macquarie Place Sydney NSW 2000 Ph: 07 5554 3333
Adelaide Bank a Division of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence Number 237879 80 Grenfell Street,
Adelaide SA 5000 Ph: 1300 652 220
Advantedge Financial Services Pty Ltd ABN 36 130 012 930, Australian Credit Licence Number 391202 Level 10, 101 Collins St, Melbourne VIC
Ph: 03 8616 1600
Advantedge Financial Services Holdings Pty Ltd ABN 75 095 300 502 Level 10, 101 Collins Street Melbourne Vic 3000 Ph: 03 8616 1600
AMAL Trustees Pty Ltd ABN 68 609 737 064 Australian Credit Licence Number483459, Level 9, 9 Castlereagh St, Sydney, NSW 2000, Ph: 02 9230 6750
AMAL Management Services Pty Ltd ABN 46 609 790 749, Level 9, 9 Castlereagh St, Sydney NSW 2000
AMAL Security Services Pty Ltd ABN 48 609 790 758 Australian Financial Services Licensee Number 483461, Level 9, 9 Castlereagh St, Sydney NSW
2000
AMAL Asset Management Pty Ltd ABN 31 065 914 918 AFSL & Australian Credit Licence Number 339904, Level 9, 9 Castlereagh St, Sydney NSW
2000, Ph: 02 9230 6700
AFSH Nominees Pty Limited ABN 51 143 937 437 Australian Credit Licence Number 391192 Level 10, 101 Collins Street Melbourne Vic 3000
Australian Government - Department of Immigration and Border Protection PO Box 5218, Sydney NSW 2001 Ph: 02 9284 9666
BC Securities Pty Ltd ABN 45 609 155 688 Australian Credit Licence Number 482240 & AFSL Number 435500, Level 1, 274 Coventry St, South
Melbourne Vic 3205, Ph: 03 8533 2488
Bank of China (Australia) Limited ABN 28 110 077 622 AFSL & Australian Credit Licence Number 287322 39 - 41 York Street Sydney NSW 2000
Ph: 1800 092 009
Bank of Sydney ABN 44 093 488 629 AFSL & Australian Credit Licence Number 243444 P.O. Box 4288 Sydney, NSW 2001 Ph: 1300 888 700
Barclays Bank PLC Australian Branch ABRN 062 449 595 Level 24, 400 George Street, Sydney NSW 2000 Ph: 02 9220 6000
Commonwealth Bank of Australia Limited ACN 123 123 124 Australian Credit Licence Number 234945 Level 4, 120 Pitt Street, Sydney NSW 2000
Ph: 1800 805 605
Credit Asset Management Limited (and associated entities) ABN 98 094 294 363 Australian Credit Licence Number 381755 Level 12, 37 York Street,
Sydney NSW 2000 Ph: 1300 669 360
ING Bank (Australia) Limited ABN 24 000 893 292 AFS Licence 229823 Australian Credit Licence Number 229823 ; 140 Sussex Street, Sydney NSW
2000
La Trobe Financial Services Pty Limited ABN 30 006 479 527 Level 25, 333 Collins St Melbourne VIC 3000 Ph: 138010
Mogo Holdings Pty Limited ABN 64 163 313 862 Suite 1904, Level 19, Chifley Tower, 2 Chifley Square, Sydney, NSW 2000 Ph: 1300 501 312
National Australia Bank Limited ABN12 004 044 937 Australian Credit Licence Number 230686 Level 31, 500 Bourke Street, Melbourne VIC 3000
Origin Mortgage Management Services Pty Ltd ACN 601 349 071, on behalf of Columbus Capital Pty Limited ACN 119 531 252 Australian Credit
Licence Number 337303 Level 8, 77 Castlereagh Street, Sydney NSW 2000 Ph: 1300 767 023
Pepper Group Limited (and its affiliates) ABN 55 094 317 665 Australian Credit Licence Number 286655 PO Box 6186, North Sydney NSW 2060
Ph: 1300 650 931. Its privacy policy is set out at www.pepper.com.au/privacy-policy or by telephoning the above number
Permanent Custodians Limited ABN 55 001 426 384 Level 2, 1 Bligh Street Sydney NSW 2000 Ph: 02 9260 6000
Permanent Custodians Limited (and associated entities) ACN 001 426 384 Australian Credit Licence Number 235129 140 Sussex Street Sydney NSW
2001 Ph: 02 9028 4164
Permanent Trustee Company Limited ABN 21 000 000 993 Level 4, 35 Clarence Street, Sydney NSW 2000 Ph: 02 8295 8100
Perpetual Corporate Trust (and associated entities) ABN 42 000 001 007 Level 12, 123 Pitt Street, Sydney NSW 2000 Ph: 1300 730 862
Perpetual Corporate Trust Limited ACN 000 341 533 123 Pitt Street, Sydney NSW 2000 Ph: 1300 730 862
Perpetual Limited ABN 86 000 431 827 Level 7, 9 Castlereagh Street, Sydney NSW 2000 Ph: 02 9229 9000
Perpetual Trustee Company Ltd ABN 42 000 001 007 Australian Credit Licence Number 236643 Level 12, 123 Pitt Street, Sydney NSW 2000
Ph: 02 9229 9000
Perpetual Trustees Victoria Limited ABN 47 004 027 258 Level 28, 360 Collins Street, Melbourne, VIC 3000 Ph: 03 8628 0400
RedZed Lending Solutions Pty Ltd (and its related bodies corporate) (together “RedZed”) ABN 31 123 588 527 Australian Credit Licence Number 311128
GPO Box 1693, Melbourne VIC 3001 PH 1300 722 462
Resimac Financial Services ABN 40 104 815 554 Australian Credit Licence Number 384707 Level 9, 45 Clarence St, Sydney, NSW 2000
Ph: 02 9248 0300
Sintex Consolidation Pty Ltd ABN 75 065 917 535 AFSL & Australian Credit Licence Number 385129 Level 2, 10/30 Atchinson Street, St Leonards NSW
2065 Ph: 02 9278 9700
Source Funding Pty Ltd ABN 95 622 815 294 AFSL 510226. 7/42 Bundall Road, Bundall QLD 4217 Ph: 07 5554 3333
Page 8 of 9 v30092019E
Nomination of Address for Notices
Each debtor/guarantor is entitled to receive a copy of any notice or other document under the National Credit Code. If you are a joint debtor or guarantor
and do not require notices and documents to be forwarded to each debtor or guarantor individually, please complete the nomination section below.
(Note:Guarantors cannot nominate a debtor). By signing this nomination, you are giving up the right to be individually provided with information direct from
the credit provider, Mezy Assets Pty Ltd, (unless you are the person nominated). Any person who has signed this nomination can advise the credit
provider, Mezy Assets Pty Ltd, at any time in writing that they wish to cancel their nomination. This means they will, from the date of cancelling the
nomination, receive a personal copy of any notice or other document under the National Credit Code. Notices and documents will be sent to your current
residential or business address. It is your responsibility to advise us of any change of address. Joint applicants must reside at the same address.
Debtors: I/We nominate _______________________________________________________________________ (Full name of person nominated) to
receive notices and other documents under the National Credit Code on behalf of me/all of us.
GuarantorsI/We nominate ______________________________________________________________________ (Full name of person nominated)
toreceive notices and other documents under the National Credit Code on behalf of me/all of us.
SIGN
HERE
SIGN
HERE
Name of Applicant 1
Name of Applicant 2
Signature
Signature
Date
Date
Signature Applicant 1
Signature Applicant 2
Signature Guarantor 1
Signature Guarantor 2
Date
Date
Date
Date
SIGN
HERE
The Privacy Policies of the funders and their associated entities, which may be obtained by contacting them at the address or telephone numbers
set out above, con-tain information about how you may access the personal information and credit information those entities hold about you,
seek correction of that information, and how you may complain about a breach of your privacy.
The funders and their associated entities may disclose your personal and credit information to overseas entities including related entities located
overseas including in USA, Canada, the Philippines, European Union, Asia Pacific and the United Kingdom. We will take reasonable steps to
ensure that they comply with Australian privacy laws.
More information on overseas disclosure may be found in the entities’ Privacy Policies.
We may exchange your personal and credit information with the following credit reporting bodies:
Equifax Pty Ltd - Level 10, 231 North Quay, Brisbane QLD 4000 Ph: 07 3837 1336 https://www.equifax.com.au/privacy
Illion - (previously Dun & Bradstreet) PO Box 7405 St Kilda Melbourne VIC 3004 Ph: 1300 734 806 https://dnb.com.au/privacy-policy.html
Experian Australia Credit Services Pty Ltd - Level 6, 349 St Kilda Road, Melbourne VIC Ph: 03 8699 0100 http://www.experian.com.au/privacy-policy
Signatures of Applicant(s) and date
You consent to the use of your personal and credit information as set out above.
We acknowledge that Mezy Assets Pty Ltd may contact my employer to confirm income and employment details. We acknowlege and consent of this
release.
When you apply for a loan with us there are a number of important steps that must be completed before we may be able to issue a loan approval and
following (assuming everything is completed to our / our Funder’s satisfaction) issuing loan documentation / funding the loan. To take one example,
depending on our / our Funder’s valuation requirements it may take time to procure a valuation for the property you are interested in. If you need finance to
assist you with the purchase of property then (apart from anything else that you need to do, like obtaining legal advice) you should never enter into binding
legal obligations until after you have received all necessary finance approvals from us in relation to your loan application. If despite this, you enter into
binding legal obligations before obtaining all necessary finance approvals / completing all necessary steps, then we are not responsible for any financial
penalty or any other liability you may incur as a result. Financial penalties (for things like penalty interest) and other liabilities (for things like breach of
contract) can be significant.
There is no binding legal agreement between you and us to provide any finance in relation to your loan application. Your loan application will be assessed
by, inter alia, us and by the Financiers in accordance with applicable laws. Either we or the Financiers can cease to review your application at any time, and
if we do, we will tell you that we have ceased the review of your loan application.
Application Terms (continued)
Page 9 of 9 v30092019E
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Online Loan Application Form V30092019E 4 (Blue Mountains Hotel School)

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Completed 22 July 2020

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