Loan application - Direct - ING

Loan application - Direct

Step 1: Home loan specialist details Introducer number (mandatory)

Telephone number

Home loan specialist name Fax number

Email

Application date (DD/MM/YY)

/

/

Estimated settlement date (DD/MM/YY)

/

/

Step 2: What is important to me in a loan? I/we have the following requirements (tick the options that apply to your application):

Variable Rate Loan

Fixed Rate Loan

100% interest offset facility

Principal & Interest repayments

Interest Only (up to 5 years only) - If selected, please set out why you would like Interest Only repayments below (mandatory field):

My/our objectives are (tick the options that apply to your application):

Reduce the loan as quickly as possible

Access any available funds

Minimise the loan repayments

I don't have any specific requirements

Have certainty of knowing what the repayments will be for a set period If you have any requirements or objectives for your loan that have not been covered above, you must outline these below:

Step 3: Changes in financial circumstances

Are you aware of any changes that may affect your ability to meet your financial obligations (including your ability to meet your obligations over the proposed loan term)?

Yes

No

If yes, what kind of change are you expecting?

Temporary decrease in income

Temporary increase in expenses

Permanent decrease in income (including requirement) Permanent increase in expenses

Anticipated large expediture Other (please specify details below)

How will you continue to meet your financial obligations?

Secure additional income

Sale of assets

Using savings

My application reflects these changes

Reducing expenditure Downsize

Use of superannuation Other (please specify details below)

Page 1 of 13 | ING DM393 | 09/18 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823

Step 4: Borrower details

Applicant 1

Existing ING customer

New borrower

Self-employed

Mr

Mrs

Surname

Guarantor 1 Director 1

Client Number

PAYG

Ms

Miss Other

First name

Date of birth (DD/MM/YYYY)

/

/

Nationality

Gender Male

Middle name Female

Mother's maiden name (mother's original surname / family name)

Spouse's name

Driver's licence number

No of dependants Age of dependants

Applicant 2

Existing ING customer

New borrower

Self-employed

Mr

Mrs

Surname

Guarantor 2 Director 2

Client Number

PAYG

Ms

Miss Other

First name

Date of birth (DD/MM/YYYY)

/

/

Nationality

Gender Male

Middle name Female

Mother's maiden name (mother's original surname / family name)

Spouse's name

Driver's licence number

No of dependants Age of dependants

Contact number Phone number ? Home

Phone number ? Work

Mobile number

Email address

Contact number Phone number ? Home

Phone number ? Work

Mobile number

Email address

Current residential address

Unit number

Street number

Street name

Suburb

State

Postcode

Current residential status

Time at current address

Years

Months

Owner

Renting

Boarding

Paying mortgage

Living with parents

Other (if other, please specify below)

Current residential address

Unit number

Street number

Street name

Suburb

State

Postcode

Current residential status

Time at current address

Years

Months

Owner

Renting

Boarding

Paying mortgage

Living with parents

Other (if other, please specify below)

Are you a first home buyer?

Yes

No

Residential/mailing address after settlement

Same as current residential address

Change to security address at settlement

Are you a first home buyer?

Yes

No

Residential/mailing address after settlement

Same as current residential address

Change to security address at settlement

Page 2 of 13 | ING DM393 | 09/18 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823

Step 5: Additional information

Applicant 1/Guarantor 1/Director 1

Is applicant an Australian Citizen/Permanent Resident?

Applicant 2/Guarantor 2/Director 2

Is applicant an Australian Citizen/Permanent Resident?

Yes

No

Has applicant ever been bankrupt, had any credit defaults, or had

a judgement credit?*

Yes

No

Has applicant ever been bankrupt, had any credit defaults, or had

a judgement credit?*

Yes

No

Is applicant receiving unemployment benefits or worker's compensation?*

Yes

No

Is applicant receiving unemployment benefits or worker's compensation?*

Yes

No

Yes

No

Has the loan applicant/guarantor/director been known by any other name in Has the loan applicant/guarantor/director been known by any other

the last 7 years? e.g., maiden name, previous married name?*

name in the last 7 years? e.g., maiden name, previous married name?*

Yes

No

Former Name(s)* Applicant 1/ Guarantor 1/Director 1

Yes

No

Former Name(s)* Applicant 2/ Guarantor 2/Director 2

*Please attach details to this application

Step 6: Employment details Applicant 1/Guarantor 1/Director 1 Name of current employer (if self-employed, your trading name)

*Please attach details to this application

Applicant 2/Guarantor 2/Director 2

Name of current employer (if self-employed, your trading name)

Current employment status

Salaried

Self-employed Social benefits

Student

Home duties

Current employment type

Unemployed

Full-time

Part-time

Casual/Temp

Occupation (if self-employed, type of business/industry)

Retired Contract

Current employment status

Salaried

Self-employed Social benefits

Student

Home duties

Current employment type

Unemployed

Full-time

Part-time

Casual/Temp

Occupation (if self-employed, type of business/industry)

Retired Contract

Date commenced (DD/MM/YY)

No of employers in last four years

/

/

Address of current employer (if self-employed, your business address)

Unit number

Street number

Date commenced (DD/MM/YY)

No of employers in last four years

/

/

Address of current employer (if self-employed, your business address)

Unit number

Street number

Street name

Street name

Suburb

Suburb

State

Postcode

State

Postcode

ONLY complete this section if less than two years with current employer Name of previous employer

ONLY complete this section if less than two years with current employer Name of previous employer

Previous employment status

Salaried

Self-employed

Social benefits

Retired

Student

Home duties

Previous employment type

Unemployed

Full-time

Part-time

Casual/Temp

Contract

Previous occupation (if self-employed, type of business/industry)

Previous employment status

Salaried

Self-employed

Social benefits

Retired

Student

Home duties

Previous employment type

Unemployed

Full-time

Part-time

Casual/Temp

Contract

Previous occupation (if self-employed, type of business/industry)

Time with previous employer

Years

Months

Time with previous employer

Years

Page 3 of 13 | ING DM393 | 09/18 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823

Months

ONLY complete this section if you have a second job Name of employer

ONLY complete this section if you have a second job Name of employer

Second job occupation

Second job occupation

Second job employment type

Part-time

Casual/Temp

Phone number of employer

Contract Date commenced (DD/MM/YY)

/

/

Second job employment type

Part-time

Casual/Temp

Phone number of employer

Contract Date commenced (DD/MM/YY)

/

/

Step 7: Income

PPeerrssoonnaal linincocmome e Applicant 1/Guarantor 1/Director 1

Applicant 2/Guarantor 2/Director 2

PAYG Base income

(including salary paid to you by your own company)

Gross monthly income* ($)

PAYG Base income

(including salary paid to you by your own company)

Gross monthly income* ($)

Regular overtime

Regular overtime

Second job income

Second job income

Car allowance^

Car allowance^

Fully maintained car^^

Fully maintained car^^

Other Income Child maintenance

(must be court ordered)

Investment income

(including dividends paid to you by your own company)

Other Income Child maintenance

(must be court ordered)

Investment income

(including dividends paid to you by your own company)

Existing rental income

Existing rental income

Proposed rental income

Proposed rental income

Other income (e.g. commission/bonus)

Other income (e.g. commission/bonus)

TOTAL INCOME

0

TOTAL INCOME

0

* How to convert to gross monthly amounts (before tax). Weekly ? multiply by 52 then divide by 12. Fortnightly ? multiply by 26 then divide by 12. Yearly ? divide by 12. ^ Paid to you by your employer to cover vehicle running costs. ^^ Only tick this box if your employer is providing you a fully maintained car which is in addition to your salary.

Business Income (sole trader/company/partnership/trust applicant/guarantor)

Profit from business distributed to all Applicants/Guarantors

(if sole trader/partnership/trust)

Last financial year ($)

Net profit before tax (if company) - excluding dividends paid

Add back depreciation on fixed assets (Land and Building only)

Add back interest on debts refinanced/repaid

Other add back(s) (e.g. non recurring expenses)

Description

Previous financial year ($)

TOTAL INCOME

0

0

Page 4 of 13 | ING DM393 | 09/18 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823

Step 8: Company details

ONLY complete if company applicant/guarantor/director i.e. if borrowing/guaranteeing under a company name. If completing this section you will need to complete the Company and Trust Appendix and forward with this application. The Appendix is located on our website.

Applicant 1/Guarantor 1/Director 1

Company name

Applicant 2/Guarantor 2/Director 2

Company name

ACN

ABN

ACN

ABN

Mailing Address

Unit number

Street number

Street name

Suburb

State

Postcode

Mailing Address

Unit number

Street number

Street name

Suburb

State

Postcode

Trading Address

Unit number

Street number

Trading Address

Unit number

Street number

Street name

Street name

Suburb

Suburb

State

Postcode

State

Postcode

Industry

Industry

Date established (DD/MM/YY)

/

/

Date established (DD/MM/YY)

/

/

Step 9: Purpose of the loan Please indicate the intended purpose of the loan Purchase home (owner occupied) Refinance home/personal loan (owner occupied)* Other owner occupied (e.g. home improvements, personal use) Purchase investment property Refinance investment loan* Other investments - must specify*

Split 1

Split 2

*Additional Information ? Reasons for refinance (only if loan purpose includes refinance)

Consolidation or restructure of finances Other (please specify)

Customer service

Products and features

Split 3 Pricing (interest rates)

If refinancing an existing loan with Interest Only repayments, please explain why you want to refinance to another loan with Interest Only repayments (Mandatory field)

Page 5 of 13 | ING DM393 | 09/18 ING is a business name of ING Bank (Australia) Limited | ABN 24 000 893 292 | AFSL and Australian Credit Licence 229823

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