RESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit
|
|
- Julie Logan
- 5 years ago
- Views:
Transcription
1 RESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit 2-30 years / Clear from 4.69% & Impaired from 5.69% Nil to 0.10 trail Land Only Lo & Full Doc 1-30 years / from 4.30% 1-30 years / Full Doc from 4.3% & Lo Doc from 4.7% Nil to 0.10 trail Application Fee $990-$1900 $ inc one Valuation Nil to 0.10% trail $ Incl valuation + 1%-2% (Application fee flexible but will directly affect you commission) P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Max LVR >80% >80% & <=80% Full Doc Up to 95% Lo Doc Up to 80% Security Residential Residential Residential Land Tax Returns No No Loan Amounts $100K - $1.5M >80% up to $1M <=80% up to $2.5M Clawbacks 100% within 12 months No No Other Fees Legal $ , Discharge Upon App, Valuation Fee $550, Monthly $15 Legal $275, Ongoing $395, Valuation Fee $220 (for 2 nd valuation) Loan Purposes Non-Code Code Code Risk Free Yes, Risk fee No No Discharged Bankrupt considered No LMI Owner Occupier / Investor Owner Builder Vacant Land Construction100% Offset Self income declaration with Accountants sign off, or 12 months BAS statements apply, payslips Full Doc - $150K-$1.5M Lo Doc - $150-$600K Legal $275, Ongoing$395, Valuation Fee $220, Clean credit (some tolerance for small Telco defaults <$1,000 full doc only) No LMI for below 80% Paramount Mortgage Services Pty Ltd ACL # Page 1 of 9 Updated: Aug
2 RESIDENTIAL LOW DOC Products No BAS, Business Banking Statements Defaults, Arrears & Discharged Type Securitised (Land & Construction) Securitised Platinum (Cash Out) Securitised 1-30 years / from 4.7% Nil trail 2-30 years / Clear from 5.69% & Impaired from 5.80% Nil to 0.10% trail Jumbo Paid Defaults, Bankrupt Considered 1-12 months / from 6.80% pa Nil to 0.10% trail Application Fee $595 inc one valuation + 1% of loan amount $990-$ % of loan amount From 1.25% of loan amount P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Max LVR >70% & <=70% 75-80% >65% <=75% >80% Security Residential Residential Residential Tax Returns Loan Amounts Self income declaration with Accountants sign off, or 12 months BAS statements apply >70% up to $1M <=70% up to $1.5M Self income declaration with Accountants sign off, or 12 months BAS statements apply $100 - $1.5M Clawbacks Nil 100% within 12 months No Other Fees Legal $275, Ongoing $395, Valuation Fee $220 (for 2 nd valuation) Legal $ , Discharge Upon App, Valuation Fee $550, Monthly $15 Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements >65% $3M <=75% $1.5M >80% $1M Quoted Individually Loan Purposes Code Non-Code Code & Non-Code Risk Free No Yes, Risk fee No Clean credit (some tolerance for small Telco defaults <$1,000 full doc only) No LMI for below 80% Dafaults > 12 months accepted Up to 2 months arrears ATO debt, working capital Cash Out ATO Debts Small paid defaults considered Bankrupts considered Paramount Mortgage Services Pty Ltd ACL # Page 2 of 9 Updated: Aug
3 RESIDENTIAL PURCHASE/REFINANCE ABN 6,12,24 Months Products 6 Month ABN 12 Month ABN 24 Month ABN 30 years / Clear from 6.09% 30 years / from 5.99% 1-30 years / from 4.09% From 0.60% Upfront of Loan Amount/ Nil Trail % Trail From 0.60% Upfront of Loan Amount / Nil Trail % Trail From 0.60% Upfront of Loan Amount / Nil Trail % Trail Application Fee $ % of loan amount $ % of loan amount $ % of loan amount P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Weekly, Fortnightly, Monthly Max LVR 80-85% 90% 80% Security Residential Residential Residential Documents 6 Months GST Registered 6 Months BAS Statements 3 Months Business Banking Statements GST Registered Accountants Letter; or 6 Months BAS Statements or 3 Months Business Banking Statements Loan Amounts Up to $1.25M Up to $1.5M Up to $1.5M Clawbacks No No No Other Fees Legal $275, Discharge Upon App, Valuation Fee $250 at conditional approval Legal $275, Discharge Upon App, Valuation Fee $250 at conditional approval Loan Purposes Code Code Code Risk Fee Yes Yee Yee Mortgage Arrears less than 3 Veda Listings 2 or less Bankrupt discharged + 1 year Max LVR 80% for Owner Occupier ABN Registered 6 months Mortgage Arrears less than 1 Veda Listings not considered Bankrupt discharged + 2 year Max LVR 80% for Owner Occupier ABN Registered 12 months GST Registered Full Doc: 2 Years full business & Personal Tax Returns or; Lo Doc: Accountant Declaration & Self Declaration Legal $275, Discharge Upon App, Valuation Fee $250 at conditional approval Mortgage Arrears less than 1-3 Veda Listings 2 or less Bankrupt discharged 1-2 year Max LVR 80% for Owner Occupier ABN Registered 24 months Paramount Mortgage Services Pty Ltd ACL # Page 3 of 9 Updated: Aug
4 RURAL LAND BANK CAVEAT LENDING Products Residential & Vacant Land Commercial Commercial & Residential Up to 24months for short term & up to 20 years full term / from %pa Nil trail 3months to 3 years / % p.a. depending on location & LVR Nil trail 1-6 months / from 2-4% per month Advised upon application Application Fee From 1-3% + GST of loan amount From 1.5%- 3% + GST From 1.50% + GST of loan amount P&I or I/O P&I or I/O for max 1-5 years Interest Only, Principle & Interest, Capitalised Interest, Pre-Paid Interest Principle, Principle & Interest & Capitalised Interest Repayment Weekly, Fortnightly, Monthly Monthly & Quarterly Weekly, Monthly Max LVR 50-70% depending on location, size, & if there is a permanent water source 50-60% 75% Security Rural Land with or without dwelling Land Bank Residential & or Commercial Documents Loan Amounts $100K - $3M Self income declaration with Accountants sign off, or 12 months BAS statements apply, payslips ATO Statements, Accountant Statements, P&L, A&L, BAS, Contract for Sale/Lease, Turnover Statements, Tax Declarations, Current Mortgage Statements, Current Valuation, Feasibility, Any details of pre-sales, Exit Strategy, Details of Land Subdivision, lot sizes, pre-sales, expected sale price etc Min $200K to Max $40,000,000 (* Can lend against DA Value) Clawbacks Case by case Case by Case No Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements 1 st Mortgage up to $5M 2 nd Mortgage up to $2.5M Other Fees Quoted Individually Quoted Individually Quoted Individually Loan Purposes Non-Code Non-Code Non-Code Risk Fee No Quoted Individually No Clean credit (some tolerance for small Telco defaults <$1,000 full doc only) No LMI for below 80% Require clear exit strategy Require subdivision &sale /or Subdivision, construction & sale. Defaults considered case by case Explanation of caveat requirement Exit strategy is required Paramount Mortgage Services Pty Ltd ACL # Page 4 of 9 Updated: Aug
5 Products Residential Short Term Full & Lo Doc 2 ND MORTGAGE Type Securitised Securitised Commercial Loan 1-12 months / from 14-24% pa 1 Month to 5 years / 17-24% per annum No Trail Trail Advised upon application Application Fee From 2% of loan amount From % of loan amount P&I or I/O Repayment Interest Only Prepaid Interest, Fixed Interest, Capitalised, Paid in advance, Paid in arrears Max LVR 70-80% 70-75% Security Residential Commercial Tax Returns Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements Loan Amounts $25K - $250K, up to $500K $50K to $20M Clawbacks Nil Nil Principle Only, Interest Only, Principle & Interest, Prepaid, Capitalised Interest Options may include: Paid in Advance or Paid monthly in advance or arrears Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements Other Fees Commitment & legal fees upon application Commitment & legal fees upon application ERF 1-3 months Nil Loan Purposes Code Non-Code Risk Free Nil Nil Owner occupied / Investment Rural Residential considered Clean credit with minor impairments Need strong exit strategy Do not lend to Directors or Shareholders of the company, some lenders do not lend to individuals. Some restrictions may apply to the location of the security i.e. city population at least 10,000 Paramount Mortgage Services Pty Ltd ACL # Page 5 of 9 Updated: Aug
6 COMMERCIAL - MAINSTREAM LENDERS Products Lo Doc 70% Full Doc Up to 75% Type Securitised Securitised Max 5 years for Investment & max 30years for Owner Occupier / from 7.19% Nil to 0.10% trail Up to 30 years / from 6.30% Nil to 0.10% trail Application Fee From % + GST of loan amount From % + GST of loan amount P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Weekly, Fortnightly, Monthly Fortnightly, Monthly, Quarterly Max LVR <65% $5M 65% $1.5M 70% $2.0M Up to 75% Security Commercial Commercial Tax Returns Loan Amounts Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements <65% $5M 65% $1.5M 70% $2.0M Clawbacks Nil Nil Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements Up to $30M Other Fees Quoted Individually Quoted Individually ERF No No Loan Purposes Non-Code Non-Code Risk Free No No No LMI No LMI Paramount Mortgage Services Pty Ltd ACL # Page 6 of 9 Updated: Aug
7 Products COMMERCIAL - PRIVATE LENDERS Lo & Full Doc Jumbo, Cash Out up to $10M Type Securitised Securitised Lo Doc & Full Doc Specialised Securities 12 Months / from % months renewable / from pa Trail upon application Nil trail Application Fee From % + GST of loan amount From 1.00% + GST of loan amount P&I or I/O Interest Only, Pre-Paid Interest & Capitalised I/O paid monthly in arrears Repayment Weekly, Fortnightly, Monthly Monthly Max LVR 66-70% 60% Security Commercial Commercial Tax Returns Loan Amounts $100 - $10M Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements Clawbacks Nil Nil Other Fees Quoted Individually Quoted Individually ERF No No Loan Purposes Non-Code Non-Code Risk Free No No Dafaults > 12 months accepted Up to 2 months arrears ATO debt, working capital Self income declaration with Accountants sign off, BAS, Profit & Loss Statements, Asset & Liability Statements 1st Mortgages from $150,000 to $5M 2nd Mortgages from $150,000 to $400,000 (higher amounts considered) No LMI Bankrupts considered Paramount Mortgage Services Pty Ltd ACL # Page 7 of 9 Updated: Aug
8 Products Up to $5M Commercial Construction Loan With or Without Presales CONSTRUCTION Over $5M Commercial Construction Loan With or Without Presales Establishment Fee P&I or I/O 1-2 years / from %p.a. From 0.50% Upfront of Loan Amount/ Nil Trail From 1.25% to 1.5% + gst of loan amount Fixed Interest with no repayment of capital or Principle & Interest months (or duration of construction period)/ from 10-13% p.a. From 0.50% Upfront of Loan Amount / Nil Trail From 1.5-3% of loan amount + GST Capitalised or Prepaid Interest Only 30 years / from 7.5% Nil Trail Residential Construction Loan Lo & Full Doc From GST of loan amount Interest Only & Principle & Interest Repayment Weekly, Monthly & Quarterly Weekly, Monthly & Quarterly Weekly, Fortnightly or monthly Max LVR 65-70% 66-70% Up to 75% Security Residential, Commercial, Industrial Residential, Commercial, Industrial Residential or private use or investment Documents ATO Statements, Accountant Statements, P&L, A&L, BAS, Contract for Sale/Lease, Turnover Statements, Tax Declarations, Current Mortgage Statements, Current Valuation, Feasibility, Any details of pre-sales, Exit Strategy ATO Statements, Accountant Statements, P&L, A&L, BAS, Contract for Sale/Lease, Turnover Statements, Tax Declarations, Current Mortgage Statements, Current Valuation, Feasibility, Any details of presales, Exit Strategy Loan Amounts $200-$5M $300K to $40M Up to $750,000 Other Fees Quoted Individually Quoted Individually Quoted Individually Loan Purposes Non-Code Non-Code Risk Free No No No 1st Registered Mortgage Only Require clear exit strategy 1st Registered Mortgage Only Require clear exit strategy Lo Doc: Accountant letter, trading statement, BAS Full Doc: 6 months land loan statements, 6 months bank statements/credit card statements Code & Non-code Construction of single residential dwelling (Personal or Investment Purposes) PAYG or self employed borrowers Clean credit, minor impairments may be considered Paramount Mortgage Services Pty Ltd ACL # Page 8 of 9 Updated: Aug
9 Self Managed Super Funds Products Commercial 70% & Residential 60-70% Commercial 70-75% Residential 80% Commercial up to 25 years / 7.19% Residential 20-30years /6.59%-7.49%* (* Varies for existing purchase /off plan) Up to 30 years / from 6.25% years / 4.89% Nil trail 0.25% Trail From 0.60% Upfront / Nil Trail Application Fee Commercial % +GST of loan amount Residential % +GST of loan amount 1% of loan amount + GST or a minimum of $ GST $599-$699 (Settlement Fee) P&I or I/O P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years P&I or I/O for max 1-5 years Repayment Monthly Monthly Monthly Max LVR Commercial 70% Residential 70-75% 70% - Principle & Interest 6.75% 75% - Interest Only up to 5 years 6.75% Security Commercial/Residential (No Owner Occ) Commercial Residential Document Requirements Loan Amounts 1 Original or certified copy of SMSF Trust Deed 2 SMSF bank account statement 3 Amendment Deed (if applicable) 4 Original or certified Security (Bare) Trust Deed 5 Contract of Sale 6 Proof of earnings & contribution in SMSF Account Commercial up to $2M Residential from $100,000 to $1M 80% 7 Tax return SMSF Assessment Notice Last 2 years 8 Annual Report (Portal Report) 9 Evidence or Appraisal for rental income 10 If refinance evidence of payment conduct 11 Signed financial advisor declaration Up to $3M $100,000 - $500,000 Clawbacks /ERF Upon Application Nil Nil Origination Fee 1% of loan amount + GST paid at settlement from settlement funds 1% of loan amount + GST or a minimum of $ GST Loan Purposes Non-Code Non-Code Non-Code Risk Free No No No Can be off plan purchase Dwelling to be new or up to 3 years old New SMSF with rollover of $100,000 Premise must be in a city with a population greater than 5000 Premise can 70% be owner occupied 1% of loan amount + GST paid at settlement from settlement funds Must be 12month+ old property. Will not accept purchase from developer. 10% liquid asset of the loan amount after settlement. New SMSF with rollover of $150,000. Paramount Mortgage Services Pty Ltd ACL # Page 9 of 9 Updated: Aug
RESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit
RESIDENTIAL FULL DOC Products Defaults, Discharged, Arrears Clean Credit Type Securitised Securitised Securitised Term/Interest Rate 2-30 years / Clear from 4.59% & Impaired from 5.59% for 80%LVR From
More informationRESIDENTIAL FULL DOC
Products Clean, Defaults, Discharged, Arrears RESIDENTIAL FULL DOC 2-30 years Impaired from 3.99% Application Fee From 0.75% Nil to 0.10 trail Residential block of land Lo & Full Doc 1-30 years / Full
More informationMortgage House Commercial
Mortgage House Commercial Mortgage House Commercial No annual fees No review Up to 70% LVR 20 year loan terms Loan sizes up to $5 million per security FULL DOC PRODUCT SPECIFICATIONS MINIMUM LOAN: $100,
More informationCustomer Assist FLEXI Full Doc
Customer Assist FLEXI Full Doc Maximum LVR (PAYG) Cash out up to 85% LVR $1,250,000 (up to 80% LVR) $1,000,000 (up to 85% LVR) $750,000 (up to 90% LVR) $650,000 (up to 95% LVR) 95% for purchases only 85%
More informationFact Sheet(s) on loans secured by 1st Mortgage(s)
Fact Sheet(s) on loans secured by 1st Mortgage(s).com.au is your intermediary with arrangements in place to provide you with loan offers from Australia's leading private lenders secured by new 1st Mortgages
More informationBroker Product Guide. January Non-Bank of the Year. Broadest Product Range financing every life cycle
Broker Product Guide January 2018 Non-Bank of the Year AWARDS 2017 BEST NON BANK AUSTRALIA La Trobe Financial is one of Australia s leading Credit Specialists, providing funding and investment solutions
More informationPage 2. Page 3 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14. Page 15 Page 16 Page 17 Page 18 Page 19
Updated 30/10/2017 Please click through to find out more about our product range Why Nationalcorp Home Loans? Standard Products High LVR 95% LVR + fully capped LMI (to 99.9%) Non-genuine savings Construction
More informationPage 2. Page 3 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14. Page 15 Page 16 Page 17 Page 18 Page 19
Updated 17/01/2018 Please click through to find out more about our product range Why Nationalcorp Home Loans? Standard Products High LVR 95% LVR + fully capped LMI (to 99.9%) Non-genuine savings Construction
More informationRed Rock Brokers Group Pty Ltd. SMSF Lending. Professional Development Day Training
SMSF Lending Professional Development Day Training Network News FOS membership recently expired for many members. Please email your certificate to certificates@redrockbrokers.com.au A reminder that all
More informationBluestone. Product Matrix WHAT S NEW? Voted Australia s No.1 specialist lender SOLUTIONS FOR PRODUCTS
Bluestone Product Matrix Bluestone is committed to helping you assist your customers by saying yes when traditional lenders say no. SOLUTIONS FOR Self-employed & PAYG Business Start-ups Business Expansion
More informationHomeloans FlexiChoice Product Features
Homeloans Narre Warren South is operated by Mark Laaksonen, Authorised Credit Representative (No. 391052) of Synergy Financial Services. Homeloans Limited ABN 55 095 034 003. Australian Credit License
More informationProduct Matrix WHAT S NEW? SOLUTIONS FOR PRODUCTS
Product Matrix Bluestone is committed to helping you assist your customers by saying yes when traditional lenders say no. SOLUTIONS FOR Self-employed & PAYG Business Start-ups Business Expansion ATO debt
More information100% Offset Home Loan. 100% Offset Home Loan. Product Overview. Product Specifics
The is aimed at customers who want to be able to separately identify how much money they have and how much they owe, but at the same time get similar interest benefits that can be gained from all-in-one
More informationJuly Solutions PLUS. Home Loan Product Guide
July 208 Solutions PLUS Home Loan Product Guide Solutions PLUS (PRIME) Product Specifications Full Doc Full Doc PLUS Purchase or refinance of owner occupied properties Purchase or refinance of owner occupied
More informationTHINKTANK LOAN APPLICATION FORM Section Summary & Completion Guide
THINKTANK LOAN APPLICATION FORM Section Summary & Completion Guide Primary Borrower Section Section Title Section Purpose Company / Trust SMSF Individual/s Comments Checklist & Payment of Fees Section
More informationInvesting in Residential Property via your Superannuation
Investing in Residential Property via your Report for April 2010 www.garis.com.au The Strategic Accounting Specialists Investment in Residential Property via The Garis Group offers strategic advice to
More informationGuide for Referrers "Cleaner Loans, Better Results"
Guide for Referrers ^+I3N3ahHRNc.h#3jj3ah`3cnIjc^ About PMA Established in 2014, Private Mortgages Australia Pty Ltd (PMA) is a 100% Australian owned finance company that provides cost effective commercial
More informationPLEASE NOTE: CLIENTS WITH LETTERS OF DEMAND FROM THE ATO WILL NEED TO PAY AS PER WIP OR AS PER PRICE LIST + 50% WHICH EVER IS HIGHER PRICE LIST
PRICE LIST Below is a schedule of estimated costs based on standard charge -out rates and average completion times. Please note that this is a guide only and any quote should be subject to an increase
More informationInterest rate card New business only Effective 2 December 2016
Rates for Owner Occupied loans with Principal & Interest repayments Empower Interest rate card Effective December 06 LVR Rate Smasher 70% 3.68% 3.68% *Limited time offer: Promotional rates applicable to
More informationBulk LMI Data Template File Format Info & Requirements
Bulk LMI Data Template File Format Info & Requirements 07 October 2015 Document purpose This document provides an overview of the QBE Bulk LMI data template which is used to load data into our system for
More informationFebruary 18. Money Broker Lending Guide
1 Virgin February 18 Money Broker Lending Guide Important Information Information in this guide was prepared by Virgin Money (Australia) Pty Limited ABN 75 103 478 prospective borrowers or third parties
More informationaccrued interest - interest that you have earned or incurred which is yet to be paid or charged to your account
accrued interest - interest that you have earned or incurred which is yet to be paid or charged to your account additional payments - extra loan repayments paid to the loan above the minimum repayment
More informationCommission Schedule Effective Date: 8/12/2014
Commission Schedule Effective Date: 8/12/2014 Lender Type % Notes Adelaide Bank: Upfront 0.715 % Adelaide Bank (commercial): Upfront 0.66 % AMP: Upfront 0.715 % Trail 0.187 % ANZ: Upfront 0.7425 % Base
More informationLenders Mortgage Insurance
As at June 2016 Lenders Mortgage Insurance Underwriting Policy, Product Parameters and Management Guidelines Australia LMIUWPA0616 0 Disclaimer This is the Lenders Mortgage Insurance (LMI) Underwriting
More informationYour Guide to Adelaide Bank
Your Guide to Adelaide Bank Your Guide to Adelaide Bank Why Adelaide Bank? 3 Lending policy 7 A streamlined approach 3 Submitting a loan application 8 Who are our loans for? 4 Tips for speedy loan approval
More informationHandy hints Loan serviceability calculator
Handy hints Loan serviceability calculator This guide provides a summary of the steps to completing the ING loan serviceability calculator. This is not intended to be used as a policy document. You should
More informationSchedule of Interest Rates Lending Interest rates are correct as at 31 January 2019
Schedule of Interest Rates Lending Interest rates are correct as at 31 January 2019 1. Credit Cards Credit Cards Product Purchase Rate p.a. Cash Advance Rate p.a. Low Rate Visa Credit Card 9.90% 18.99%
More informationLOAN APPLICATION FIRST MORTGAGE LENDING + INVESTMENT ACN ABN ARSN AFS Licence No
FIRST MORTGAGE LENDING + INVESTMENT LOAN APPLICATION RMBL Investments Limited PO BOX 93 Dandenong VIC 3175 Level 5, 225 Lonsdale Street Dandenong VIC 3175 DX 17520 Dandenong rmbl.com.au ACN 004 493 789
More informationCommission Schedule Effective Date: 12/09/2017
Commission Schedule Effective Date: 12/09/2017 Adelaide Bank: Residential Upfront 0.715 % Adelaide Bank (): Upfront 0.66 % AMP: Residential Upfront 0.715 % Trail 0.187 % Base Upfront 0.66% Affinity and
More informationApplication for Mortgage Finance
Print clearly in capital letters using black or blue ink. If insufficient space, please attach additional pages. Do not sign this application form unless all necessary sections have been fully and accurately
More informationPriority Commercial Mortgage Application Summary & Checklist
Priority Commercial Mortgage Application Summary & Checklist Please fax together with completed application to 1800 352 922 Postal Address: GPO Box 4094 Sydney 2001 Attention: Priority Commercial Mortgages
More informationAustralia. QBE Lenders Mortgage Insurance November Page 1 of 46
Australia QBE Lenders Mortgage Insurance November 2012 Page 1 of 46 CONTENTS 1 Introduction 3 2 Applying for lenders mortgage insurance 4 3 Duty of disclosure 6 4 Borrowers & Guarantors 7 5 Deposit & Equity
More informationProperty Finance Specialists
Property Finance Specialists About Us Property Finance Specialists. Have been in business since 2004. Offer competitive property finance solutions to clients unable to obtain funding from mainstream lenders.
More informationCommission Schedule Effective Date: 13/02/2017
Commission Schedule Effective Date: 13/02/2017 Lender Type % Notes Adelaide Bank: Upfront 0.715 % Adelaide Bank (Commercial): Commercial Upfront 0.66 % AMP: Upfront 0.715 % Trail 0.187 % Base Upfront 0.66%
More informationcommercial loan application form
commercial loan application form FAX TO: 1800 352 922 POST TO: GPO Box 4094 Sydney 2001 Attention: Priority Commercial Mortgages EMAIL TO: rmg.commercial@ingdirect.com.au Introducer Number : Borrower Name:
More informationLenders Mortgage Insurance
Lenders Mortgage Insurance Underwriting Guidelines Australia Effective as at 16 May 2017 1 At Genworth we pride ourselves on our commitment to our lender and broker customers, ensuring each interaction
More informationLenders Mortgage Insurance. Underwriting Guidelines. Australia
Lenders Mortgage Insurance Underwriting Guidelines Australia Effective as at 28 November 2016 At Genworth we pride ourselves on our commitment to our lender and broker customers, ensuring each interaction
More informationLoan Variation Form Broker Summary and Declaration
Advantedge Financial Services Pty Ltd ACN: 130 012 930 Australian Credit Licence: 391202 Level 10, 101 Collins Street, Melbourne VIC 3000 Phone: 1300 543 558 Email: ACL@advantedge.com.au Loan Market Go
More informationLOVELY MORNING AND WELCOME TO MY BUSINESS WORLD
LOVELY MORNING AND WELCOME TO MY BUSINESS WORLD WHAT DO I OFFER MY CLIENTS Many years of experience in finance, not just home loans. Worked at CBA in business banking in Sydney and Adelaide. Had my own
More informationMORTGAGE APPLICATION REQUIREMENTS & GENERAL INFORMATION
MORTGAGE APPLICATION REQUIREMENTS & GENERAL INFORMATION This checklist is only a guide as other information may be requested. Standard for all applications App 1 App 2 Customer identification checklist
More informationQBE Lenders Mortgage Insurance. LMI Guide Australia. September 2016 J6673
QBE Lenders Mortgage Insurance LMI Guide Australia September 2016 J6673 Contents 1. Introduction 3 2. Duty of Disclosure 4 3. Applying for lenders mortgage insurance 5 4. Borrowers & Guarantors 7 5. Deposit
More informationANZ Commercial Broker
ANZ Commercial Broker Introduction to Asset Finance Offline 2016 Restricted Size of the car market 1.1m New 80% are financed 2.2m Used 3.3m Credit Card Asset Finance Home Loan 2.6m cars 2 Your agenda for
More informationlmiadvantage Borrowers 2. Genuine Savings & Equity 3. Employment 4. Income 5. Servicing Capacity # 7. Security
Australia July 2011 CONTENTS lmiadvantage...3 1. Borrowers 2. Genuine Savings & Equity 3. Employment 4. Income 5. Servicing Capacity!" # 7. Security $ 8. Loan Types and Purposes with Maximum LVR lmiself
More informationRAMS Interest Only Conversion Extension Fact Sheet
RAMS Interest Only Conversion Extension Fact Sheet Process Borrowers can apply to convert their existing principal and interest repayments to interest only or extend an existing interest only period. At
More informationSMSF LOANS A GUIDE TO BORROWING
SMSF LOANS A GUIDE TO BORROWING INTRODUCTION - what is super borrowing? Super borrowing is a popular strategy used by many SMSF s If you run a self-managed superannuation fund, you can invest in a variety
More informationWHICH IS FOR ME? HOME LOANS MADE EASY
WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described
More informationSCHEDULE 2 Last Updated: 12 TH December 2012
S T A N D A R D R E S I D E N T I A L L E N D I N G C O M M I S S I O N R A T E S Adelaide Bank Loans settled from 1 st September 2011 AMP Affinity and Select Loans AMP All loans other than Affinity and
More informationQi Super Self Managed Superannuation Information Guide
Prepared by Qi Financial Pty Ltd ABN 83 304 796 118 AFSL 313217 Qi Super Self Managed Superannuation Information Guide This Information Guide is dated January 2018. Advice Taxation Accounting Corporate
More informationCHANGES TO INTEREST ONLY LENDING
FREQUENTLY ASKED QUESTIONS CHANGES TO INTEREST ONLY LENDING WHAT IS CHANGING? Effective Date Monday 29 th May Sunday 18 th June Key Changes Interest only availability for both owner-occupier & investment
More informationLMI Guide Australia. QBE Lenders Mortgage Insurance. January 2019
LMI Guide Australia QBE Lenders Mortgage Insurance January 2019 Contents 1. Introduction 3 2. Duty of Disclosure 3 3. Applying for lenders mortgage insurance 4 4. Borrowers & Guarantors 6 5. Deposit &
More informationFINANCE FEES AND CHARGES
FINANCE FEES AND CHARGES ANZ BUSINESS BANKING 11.12.2017 Contents Business Finance Loan Approval Fee 3 Credit Facility Fee 4 Loan Administration Charge 6 Renegotiation Fee 7 ANZ Business Select 7 ANZ Commercial
More informationGood Morning Lara we are now offering rates from 4.54% - Alt Docs with Unlimited Cash Out BMM offers diverse lending solutions
Good Morning Lara we are now offering rates from 4.54% - Alt Docs with Unlimited Cash Out BMM offers diverse lending solutions Starting at 4.54% (Comp. 4.78%), BMM has a range of market leading Alt Docs
More information(ensure Submission Checklist and Privacy Notice and Consent are completed with every request)
ChoiceLend Pty Ltd ABN 135 459 326 Level 10, 101 Collins Street, Melbourne VIC 3000 Phone: 1300 144 554 Fax: 1300 171 367 Email: mail@choicelend.com.au Web: www.choicelend.com.au CR: 392522 Loan Variation
More informationApplication Forms Cover Page
Application Forms Cover Page Please complete this page & attach all relevant forms Ascend self managed super Please Note: If any of the Application Forms are incomplete or contain errors, or you do not
More informationHandy hints Loan serviceability calculator
Handy hints Loan serviceability calculator This guide provides a summary of the steps to completing the ING loan serviceability calculator. This is not intended to be used as a policy document. You should
More informationPERSONAL CREDIT FACILITIES
LOAN INTEREST RATES Effective from: 1 February 2018 Interest rates quoted are effective at the date of this update for new applicants only. Interest rates quoted are for Principal & Interest facilities
More informationKey benefits. Terms and Conditions, and Fees and Charges apply to all NAB products and are available on application. NAB lending criteria applies.
Digital upfront document signing technology is here! To provide you and your customers a simpler and more efficient home loan experience, we ve partnered with DocuSign to launch digital upfront document
More informationLOAN APPLICATION FORM
LOAN APPLICATION FORM LOAN DETAILS Referred By: Loan Amount Required $ net (i.e. after fees and charges) Term months Expected Settlement Date Loan Purpose Loan Repayment Strategy (e.g. refinance, sale
More informationCommercial Broker Application & Assessment for Commercial Finance/Asset Finance Brokers
Submitting your Application Complete and return the application and assessment Form to your Commercial Broker Manager by email or fax. If you have any queries regarding this application, please contact
More informationPRODUCT DISCLOSURE STATEMENT
First Mortgage Investments ARSN 089 600 920 PRODUCT DISCLOSURE STATEMENT MANAGED BY FIRST MORTGAGE MANAGED INVESTMENTS LIMITED ACN 089 507 899 AUSTRALIAN FINANCIAL SERVICES LICENCE NO. 227931 7394687v4
More informationINTEREST RATE & COMMISSION SCHEDULE. Effective 19th November 2018 SPECIAL PROMOTIONS
FLEXI OPTIONS PRODUCT RANGE SPECIAL PROMOTIONS Offer 1: Flexi Options Owner Occupied P&I Special Commission Paid (excluding GST) Upfront Trail Variable 80% 3.74% 0.60%* 0.15% Variable > 80% up to 90% 4.06%
More informationSHORT TERM LOAN APPLICATION FORM
ACN 150 013 513 Australia s Fastest National Caveat Loan Lender Tel: (03) 9017 6611 Fax: (03) 8648 6328 Email: apply@homesec.com.au Web: www.homesec.com.au SHORT TERM LOAN APPLICATION FORM BORROWERS COMPANY
More informationSuperannuation Property Borrowing
Superannuation Property Borrowing Samuel Mantarro Principal & Senior Advisor CFP 1 Disclaimer This presentation is for general information only. Any advice in it has been prepared without taking into account
More informationHas The. Ph:
SaidNO Has The Bank It doesn't have to be the end of the story. Over 60% of people knocked back by a bank can obtain a loan from a Specialist Lender Ph: 1800 825 010 Starlight Home Loans has a variety
More informationING Bank (Australia) Limited Covered Bond - Investor Report
Covered Bond - Investor Report Collection Period End Date: Determination Date: Trust Payment Date: Date of Report: Note: The ACT and Strat tables in this report is based on the pool composition as at trust
More informationANZ Mortgage Broker Distribution Online Supporting Document Kit
Please fax to ANZ Broker Unit: Enquiries 1800 812 785 Fax 1300 139 968 Please complete entire application in BLOCK letters APPLICATION NUMBER (compulsory) Number of pages included Submission method: LIXI
More informationHOME LOAN APPLICATION
HOME LOAN APPLICATION Broker / Referrer ID: INSTRUCTIONS Black or blue pen please. Please use BLOCK letters. Please place an X in boxes where required. DHOAS Subsidy Certificate No. Service: Army Navy
More informationRegulatory Guide 45 Product Disclosure under ASIC
Regulatory Guide 45 Product Disclosure under ASIC The following table provides an update on the benchmarks set by the Australian Securities and Investments Commission in Regulatory Guide 45: Mortgage Schemes
More informationMacquarie Business Banking Commercial Lending Guide. Banking solutions to help grow your client s business. macquarie.com/commercialbroker
Macquarie Business Banking Commercial Lending Guide Banking solutions to help grow your client s business 1 macquarie.com/commercialbroker Why choose Macquarie? With Macquarie s specialist understanding
More informationSmartSuite Credit Application Form
SmartSuite Credit Application Form BROKER DETAILS [ BROKER USE ONLY ] Number of pages including cover sheet: To Processing Centre: Fax number: 1300 ADL FAX (1300 235 329) From [Broker name]: Broker Fax
More informationPlatinum mortgage fund
www.mortgageinvest.com.au Platinum mortgage fund Information Memorandum 1st June 2018 Contents 1. Important information 03 2. Introduction 04 3. Key features of the investment opportunity 04 4. How the
More informationApplication form for SMSF establishment, new trust deed and MSE Portal, MSE Accounting and Tax, and MSE Audit
Application form for SMSF establishment, new trust deed and MSE Portal, MSE Accounting and Tax, and MSE Audit Before you start By completing this application form, you agree to My Super Expert (MSE) providing
More informationRegulatory Guide 45 Product Disclosure under ASIC
Regulatory Guide 45 Product Disclosure under ASIC The following table provides an update on the benchmarks set by the Australian Securities and Investments Commission in Regulatory Guide 45: Mortgage Schemes
More informationINTEREST RATE & COMMISSION SCHEDULE. Effective 3rd December 2018 SPECIAL PROMOTIONS
FLEXI OPTIONS PRODUCT RANGE SPECIAL PROMOTIONS Offer 1: Flexi Options Owner Occupied P&I Special Commission Paid (excluding GST) Upfront Trail Variable 80% 3.74% 0.60%* 0.15% Variable > 80% up to 90% 4.06%
More informationApplication for SMSF Complying Loan & Custodian Trust Documentation Self Funded Property Loans
Suite 2, Level 2 / 22 Albert Road South Melbourne Victoria 3205 Phone 1300 776 394 / Fax 03 8256 0108 www.superregistry.com.au Application for SMSF Complying Loan & Custodian Trust Documentation Self Funded
More informationApplication Form / Fact Find
Thank you for allowing Stanley Finance help you to secure your mortgage. The next few pages will ask you all the important questions necessary to understand and assess your current financial situation.
More informationSmartSuite Credit Application Form
SmartSuite Credit Application Form Broker details To Processing Centre: Number of pages including cover sheet: Upload to: docsend.adelaidebank.com.au From [Broker name]: Broker Fax number ( ) Aggregator:
More informationONLY FOR USE BY MORTGAGE INTERMEDIARIES. NatWest Intermediary Solutions. Buy-to-let guide
ONLY FOR USE BY MORTGAGE INTERMEDIARIES NatWest Intermediary Solutions Buy-to-let guide Buy-to-let affordability assessment We will request details of the applicant s personal income, financial commitments
More informationABN AFSL INTRODUCER LENDING REFERENCE MANUAL COMMERCIAL LOANS V
ABN 92 087 651 974 AFSL 000 237 391 INTRODUCER LENDING REFERENCE MANUAL COMMERCIAL LOANS V13112012 NOTE: This document should be used as a guide ONLY. TABLE OF CONTENTS COMMERCIAL LOANS... 3 1.1 PRODUCTS...
More informationBorrowing. guide. Simple, affordable business & investment loans. First mortgage secured, maximum LVRs apply. Borrow from $250,000 to $4 million
Borrowing guide Simple, affordable business & investment loans First mortgage secured, maximum LVRs apply Borrow from $250,000 to $4 million 24 to 48 hour approval, subject to valuation Rates from 7%,
More informationAMO. More money in your pocket
Revolution Home Loan An AMO Revolution Home Loan gives you a 100% offset account on either a fixed or variable rate loan with no restrictions. Most other lenders only offer an offset account with a variable
More informationRegulatory Guide 45 Product Disclosure under ASIC
Regulatory Guide 45 Product Disclosure under ASIC The following table provides an update on the benchmarks set by the Australian Securities and Investments Commission in the Regulatory Guide 45: Mortgage
More informationFinancial Services Guide and Credit Guide
Financial Services Guide and Credit Guide Health Wealth & Time Limited ABN 37 128 158 574 T: (02) 9231 3966 E: sean@healthwealthtime.com.au Level 57 MLC Centre 19 29 Martin Place Sydney NSW 2000 This Financial
More informationTrilogy Monthly Income Trust Benchmarks and Disclosure Principles Report for ASIC Regulatory Guide 45 as at 31 December 2013
Trilogy Monthly Income Trust Benchmarks and Disclosure Principles Report for ASIC Regulatory Guide 45 as at 31 December 2013 Trilogy Monthly Income Trust Benchmarks and Disclosure Principles Report for
More informationCitibank Home Loan Application and Checklist [VERSION 25]
Introducer s App ID (if known) Citibank App ID (if known) [VERSION 25] INTRODUCER DETAILS Company name Authorised Representative Authorised Representative ID Mobile phone number Email Please tick for SMS
More informationLending and Deposits Guide to Fees and Charges 6 NOVEMBER 2017 VMA012 11/17
Lending and Deposits Guide to Fees and Charges 6 NOVEMBER 2017 VMA012 11/17 Lending and Deposits Guide to Fees and Charges This Guide to Fees and Charges should be read in conjunction with Virgin Money
More informationSmartSuite Credit Application Form
SmartSuite Credit Application Form Broker details From [Broker name]: Aggregator: Adelaide Bank broker code: Broker mobile: Australian Credit Licence Number: Broker email address: Borrower details Borrower
More informationLOAN APPLICATION COVER PAGE
LOAN APPLICATION COVER PAGE Routine No. of Pages (Including this cover) Urgent Key Dates Pre approval Finance.../.../... Settlement.../.../... Borrower Details Broker Personal (s)... Borrower/Guarantor...
More informationHome and Investment Loans
Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654
More informationDiscovery Investment Services Core Income Fund Wholesale Units
Discovery Investment Services Core Income Fund Wholesale Units ARSN 122 452 457 Product disclosure statement 11 December 2006 IMPORTANT INFORMATION The Discovery Investment Services Core Income Fund Wholesale
More informationResponsible Lending. Broker Requirements and Objectives. R&O Quick Reference Guide
Responsible Lending Broker Requirements and Objectives R&O Quick Reference Guide Version 1.0, issued October 2017 Table of Contents Requirements and Objectives (R&O)... 3 Foreseeable Changes to Circumstances...
More information12 Months Interest Free Loan Information
Rewards Group Premium Timber Project 2009 FINANCE INFORMATION Rewards Projects Ltd is offering to approved applicants, a range of competitive finance packages for investors in the Rewards Group Premium
More informationWhat types of products are evaluated by CANSTAR SMSF Loan Star Rating?
METHODOLOGY SMSF LOANS What is the CANSTAR SMSF Loan Star Rating? CANSTAR SMSF loan star ratings is a sophisticated and unique ratings methodology that compares both Cost and Features across SMSF loan
More informationTax & Property Seminar Property development and tax a practical guide...1
Property development and tax a practical guide...1 1. Understanding the tax treatment of a property development business...2 1.1 When will land held by a taxpayer in the business of property development
More informationNZCU Baywide home loans are available through our adviser network in all areas, excluding Greater Auckland and Hamilton City.
Flexible low deposit * home loans NZCU Baywide home loans are available through our adviser network in all areas, excluding Greater Auckland and Hamilton City. If your customers are looking to: Purchase
More informationptws.com.au HOW TO USE YOUR SUPERANNUATION TO PURCHASE AN INVESTMENT PROPERTY
HOW TO USE YOUR SUPERANNUATION TO PURCHASE AN INVESTMENT PROPERTY This page has been left intentionally blank. PTWS office is located at 3 Albion Street, Harris Park NSW 2150 (PO Box 169 Parramatta, NSW
More informationASTUTE RESIDENTIAL COMMISSIONS SCHEDULE 14 MARCH 2017
Adelaide Bank 0.77% No LOC 01/02/2016 100% - 0 to 12 Months 50% - 13 to 24 Months 0.165% 01/02/2016 AMP 0.66% Standard Affinity & Select Products 0.33%. AMP First - 0% 0.055% additional if online lodgement
More informationConsumer Loan and Overdraft Application Form Dnister Ukrainian Credit Co-operative
Consumer Loan and Overdraft Application Form Dnister Ukrainian Credit Co-operative Dnister Ukrainian Credit Co-operative Head Office : 912 Mt Alexander Road (PO Box 279) Essendon VIC 3040 (03) 9375 1222
More informationDate: What form of mortgage is being sought? Residential Buy to Let Self-Build
MORTGAGE PROJECT FACT FIND This section for internal use. AFC / Professional Associate: 1. Mortgage Form E-mail: Date: What form of mortgage is being sought? Residential Buy to Let Self-Build Is the Mortgage
More informationMORTGAGE LOAN APPLICATION
MORTGAGE LOAN APPLICATION About Your Application... The completed application will tell us about your personal and business background; it will let us know your loan requirements and details of the property
More information