ENQUIRY FOR PERSONAL FINANCE Date:

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ENQUIRY FOR PERSONAL FINANCE Date:

  1. 1. ENQUIRY FOR PERSONAL FINANCE Date: GOODS TO BE PURCHASED Total Retail Price $ Year Make Less Cash Deposit $ Less Trade-in $ km’s Model Sub Total $ Goods Insurance $ Term Extras Loan Insurance $ Gap Insurance $ Other $ Total $ Mobile PERSONAL DETAILS Family Name Given Names Date of Birth Licence Number Expiry Date Phone Spouse Name Given Names Date of Birth Licence Number Expiry Date Phone Current Address Postcode For Years/Months Previous Address if less than 5 years Postcode For Years/Months Second Previous Address Postcode For Years/Months Is Your Home? □ Your Own □ Renting □Buying □ Boarding □ Living with Relatives Monthly Repayment $ Name of Mortgagee/Landlord Phone Marital Status Number of Dependents Ages Occupation For Years/Months Smoker/Non-Smoker Are you currently employed? Yes/No Employers Name Employers Address Employers Phone Previous Employer if less than 5 years For Years/Months Spouse Smoker/Non Smoker Currently employed? Yes/No Occupation For Years Months Employers Name Employers Address Employers Phone Previous Employer if less than 5 years For Years/Months Current Building Society/Credit Union/Bank Branch Nearest Relative not living with me Relationship Name Address Phone CURRENT & PREVIOUS CREDIT REFERENCES Company Branch Limit Balance Payment Current Finalised Per Month Per Month Per Month Per Month Per Month Per Month Accountant Address Phone
  2. 2. Liabilities Amount Assets Values First Mortgage $ House $ Second Mortgage $ Furniture $ st Hire Purchase or Lease $ 1 Car $ nd Personal Loans $ 2 Car $ Bank Overdraft $ Bank Accounts $ $ Shares $ $ Superannuation $ $ $ $ $ $ $ Sub Total - Liabilities $ $ Surplus $ $ Total $ Total Assets $ Monthly Expenditure Amount Monthly Income Amount Mortgage Repayments $ Gross Salary/Wage $ Rent $ Net Salary/Wage $ Rates $ Spouse Gross Salary/Wage $ Hire Purchase & Personal Loans $ Spouse Net Salary/Wage $ Living Expenses $ Family Assistance & Parenting $ $ $ $ $ $ $ Sub Total – Expenditure $ Sub Total – Income $ Surplus $ Deficiency $ Total $ Total $ NOTES:
  3. 3. Privacy Act (Commonwealth) (the “Act”) Acknowledgement & Consent The information disclosed to a credit reporting agency NB: This Acknowledgement and Consent relates to the attached may include: application for consumer / commercial credit [delete one]. (a) identity particulars – my/our name, sex, address ( and Nominated Credit Provider/s: the previous two addresses), date of birth, name of employer, and drivers licence number; _______________________________________________________ (b) my/our application for credit or commercial credit – the fact that I/we have applied for credit and the Nominated Credit Reporting Agency: amount; (c) the fact that the credit provider is a current credit _______________________________________________________ provider to me/us; (d) loan repayments which ar e overdue by more than 60 These credit providers and those specified in 1.4 below being days, and for which debt collection action has started; individually and collectively called “the credit provider” (e) information that, in the opinion of the credit provider I/we have committed a serious credit infringement 1. Notice and acknowledgement that credit information (that is, acted fraudulently or may be given to a credit reporting agency shown an intention not to comply with my/our I/We understand that you act as my/our agent for the purpose credit obligations); of finding the most suitable credit provider having (f) dishonoured cheques – cheques drawn by me/us for regard to out requirement. I/We understand that as my / $100 or more which have been dishonoured more our agent you have my / our consent under section 18H than once; (3) of the Privacy Act to access my/ our credit (g) the fact that I/we have offered to act as guarantor in information file or credit worthiness information from a respect of a loan or an application for a loan to or by credit provider or credit reporting agency in connection another person; and with my / our application or proposed application for a (h) This information may be given before, during or after loan, or me / us having sought advice in relation to a the provision of credit to me/us. loan. I/We understand that once a suitable credit provider is found 2. Agreement to use commercial credit information you may act as a limited agent on behalf of the credit to assess a consumer credit application provider and will be regarded as a credit provider. I/We Under section 18L(4) of the Act I/we consent to the credit understand that as a limited agent of a credit provider provider obtaining information about me/us from a business you might disclose personal information to a credit which provides information about the commercial credit reporting agency under section 18E(8(c) of the Act. worthiness of persons for the purpose of assessing my/our I/We understand that if the credit provider approves an application for consumer credit. application for credit and I/we accept the offer, the credit provider may pay you an upfront fee and/or DELETE (A) OR (B) WHICH EVER IS NOT APPLICABLE trailing commission for an amount agreed between the credit provider and you, for completing and submitting 3. (A) Agreement to use a consumer credit report by the application to the credit provider. I/We also a credit reporting agency to assess a commercial understand that you have the right to pay any or all of credit application such fees and/or commission to any appointed Under section 18K(1)(b) of the Act I/we consent to the credit subcontractor or any referring party. provider obtaining a copy of my / our credit report from a credit I/We consent to you disclosing our personal information to reporting agency for the purpose of assessing my/our application the above named credit providers and also to the for commercial credit under section 18L(1)(A) of the Act. following types of organisations for the purposes outlined above:- (a) Credit Providers including banks, credit unions, building societies, finance companies, mortgage managers, private lenders and other financial institutions. (b) Mortgages, Insurers, Trustees for Credit Providers and their respective Solicitors. (c) Any subcontractor representing us to you and acting with out authority and consent.
  4. 4. This authority continues until the matter which is the subject information derived from the report to a person who is a of the query is resolved, or until I/we otherwise revoke guarantor in respect of, or who has provided property as this authority. security for a loan given by the credit provider to me/us. This authority only applies to enquiries made by you and/or 7.3 Under section 18N(1)(bh) of the Act I/We consent to a the credit provider in connection with: credit provider disclosing a report or personal (i) an application or proposed application, by information derived from a report to a person me/us for credit; or considering whether to act as a guarantor in respect of or (ii) my/our having sought advice in relation to to offer property as security for a loan given to me/us or existing or previous credit. a loan for which I/we have applied. 7.4 I/We acknowledge that each of the above authorities 4. (B) Authority to Exchange Information relating remains a continuing authority and applies in relation to to my/our credit worthiness with Other Credit all credit provided or to be provided by the credit Providers provider to me/us where my/our authority will continue (a) I/we consent, under section 18N(1)(b) of the Act, to until cancelled in writing by me/us. credit providers exchanging a report or personal information derived from a report about me/us with the 8. It is further agreed upon as follows: credit providers named in my/our credit application for 8.1 The Client appoint the Broker and the Broker accepts that particular purpose. the appointment to act for the Client as a Finance Broker (b) I/we understand that under section 18N(1)(9) of the Act for the purpose of procuring an offer of a loan upon the a report means a credit report or any other record or loan specifications set out in this schedule. information that has a bearing on my / our credit 8.2 If the Broker procures the Loan for the Client, the Client worthiness, credit standing, credit history or credit agrees to pay to the Broker the fee set out in the capacity that credit providers are allowed to exchange schedule. If the Client so prefers they can irrevocably under the Privacy Act. direct the Lender to disburse such fee at settlement. (c) I/we consent to you and/or the credit provider giving 8.3 The Client acknowledges that in the event that the copies of this Acknowledgement and Consent bearing Broker procures the offer of a loan and the client my/our signatures to any such person as being referred subsequently withdraws or terminates the loan to in this Acknowledgement and Consent. application for whatever reason, the full fee, as set out in the Schedule, will immediately be due and payable. 5. Banker’s Opinion 8.4 The details of this application are as follows: 5.1 Under paragraph 2.16 of the Credit Reporting Code of Conduct I/we consent to the credit provider which is a Loan Amount: ___________________________________ bank disclosing a “banker’s opinion” to another bank where that banker’s opinion related to my / our Loan Term: _____________________________________ consumer credit worthiness. Brokerage: ______________________________________ 6. Disclosure of personal information to a Mortgage Insurer 6.1 I/we understand that under section 18K(1)(d) of the Act, Name and address of individual giving his/her consent a credit reporting agency may disclose information in my/our credit report to a mortgage insurer for the Name: __________________________________________ purpose of assessing whether to provide insurance to or the risk providing insurance to a credit provider in Address: ________________________________________ respect to mortgage credit, the risk of me/us being unable to meet a liability under a guarantee in respect of mortgage credit given to another person. _______________________________________________ 6.2 I/We understand that under section 18N(1)(b) of the Signature of individual giving his/her consent Act, a credit provider may disclose information in my/our credit report to a mortgage insurer for the Date___________________ / ____ / _____ purpose of assessing whether to provide insurance to or the risk of providing insurance to a credit provider in respect of mortgage credit given by the credit provider to me/us, assess the risk of me/us defaulting on the Name and address of individual giving his/her consent mortgage credit or for any purpose arising under the contract for mortgage insurance between the credit Name: __________________________________________ provider and the mortgage insurer. Address: ________________________________________ 7. Disclosure of personal information to Guarantor/s _______________________________________________ 7.1 I/We understand that under section 18N(1)(ba) of the Signature of individual giving his/her consent Act a credit provider may disclose a report or personal information derived from the report to the guarantor of a Date___________________ / ____ / _____ loan provided by the credit provider to me/us for any purpose related to the enforcement or proposed enforcement of the guarantee. 7.2 Under section 18N(bg) of the Act I/We consent to a credit provider disclosing a report or personal

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