RESET ALL
CLIENT FACT FIND
Date: Referrer: External Source:
Client Details Client 1 Client 2
Title Dr Dr
Surname
Given Names
Mother’s Maiden Name
Marital Status De facto De facto
Date of Birth
Phone Numbers Mobile: Mobile:
Home: Home:
Work: Work:
Email Address (GMAIL)
Present Home Address
(If Renting: RE ) Suburb: Suburb:
Post Code: Post Code:
Amount per week: $ Renting Date from: Renting Date from:
Postal Address
(if different to above) Suburb: Suburb:
Post Code: Post Code:
Previous Address
(if less than 3 years)
Note: 3 years address history Suburb: Suburb:
is required Post Code: Post Code:
Renting Date from: Renting Date from:
Additional Previous Address (if
less than 3 years)
Suburb: Suburb:
Post Code: Post Code:
Renting Date from: Renting Date from:
Number of Dependents No: Ages: No: Ages:
Resident Status Non-Resident Non-Resident
PRODUCT: BANK/S: INVESTMENT
PURCHASE REDRAW CREDIT CARDS NO FEES
NOTES:
Employment Details
Client 1 Client 2
Employed/Self Employed/Sub-
Contractor
Occupation / Position Held
Employment Type Contract Contract
Probation: N Probation: N
Employer Name Name: Name:
Note: If self-employed,
list the business legal entity A.B.N. A.B.N.
Employer Address
Suburb: Suburb:
Post Code: Post Code:
Phone No: Phone No:
Dates of Employment Started: Started:
Previous Employer Name
(if less than 3 years)
Note: 3 years employment
history is required
Previous Position Held
Previous Employment Type Contract Contract
Previous Employer Address
Suburb: Suburb:
Post Code: Post Code:
Phone No: Phone No:
Previous Dates of Employment Started: Started:
Finished: Finished:
Previous Employer Name
(if less than 3 years)
Previous Position Held
Previous Employment Type Contract Contract
Previous Employer Address
Suburb: Suburb:
Post Code: Post Code:
Phone No: Phone No:
Dates of Employment Started: Started:
Finished: Finished:
Income Details
Client 1 Client 2
Annual Income Annual Income
(gross salary or net (gross salary or net
business income) business income)
Pay slip Breakdown Pay slip Breakdown
BASE: $ BASE: $
OVERTIME: $ OVERTIME: $
Car Allowance Car Allowance
In current FIN Year,
In current FIN Year, any
leave without pay?
any leave without
pay?
Bonuses Bonuses
Family Tax Part A/B Family Tax Part A/B
Government Income Government Income
Family Maintenance Family Maintenance
Weekly Gross Rental Weekly Gross Rental
Property 1 Property 1
Weekly Gross Rental Weekly Gross Rental
Property 2 Property 2
Weekly Gross Rental Weekly Gross Rental
Property 3 Property 3
TOTAL INCOME (A) TOTAL INCOME (B)
Assets Address Value Lender and Owner
Loan Amount
Residential Property Client One
Client Two
Investment Client One
Property 1 Client Two
Investment Client One
Property 2 Client Two
Home Contents Client One
Client Two
Savings 1 Client One
Savings 2 Client Two
Car 1 Make, Model, Year Client One
Client Two
Car 2 Make, Model, Year Client One
Client Two
Motorcycle/Boat/ Client One
Caravan Client Two
Shares Client One
Client Two
Superannuation Client One
Client Two
Life Insurance Client One
Client Two
Liabilities
Monthly Limit/Balance Lender Interest Rate Term Owner
Repayment Owing % Remaining
(in years)
Residential Client One
Loan Client Two
Investment Client One
Loan 1 Client Two
Investment
Client One
Loan 2
Client Two
If Renting, Client One
Monthly rent Client Two
Personal Client One
Loan Client Two
Car Loan 1 Client One
Client Two
Car Loan 2 Client One
Client Two
Credit Card Limit Balance Client One
Bank Client Two
Credit Card Limit Balance Client One
Bank Client Two
Store Cards/ Limit Balance Client One
GE Card Client Two
HECS Client One
Client Two
Zip Pay/After Limit Balance
Client One
Pay
Client Two
Child Client One
Support Client Two
Tax Bills Client One
Client Two
TOTAL (C) Client One
Client Two
Do you have any late payments/overdrawn or any defaults?
Comprehensive Credit Report – YES/NO?
Living Expenses – Monthly
O/O - Utilities - Gas, Electricity, Water $
O/O - Property - Property Rates, Water Rates (proposed) $
Investment Property – Rates, Body Corporate Fees, Strata Fees, Water Rates $
Communication - Internet, Pay TV, Foxtel, Streaming Services $
Phone and Mobile - $
Food & Groceries - Meat, Fruit & Veg, Cleaning Products, Toiletries, Milk, Bread $
Recreation & Entertainment - alcohol, tobacco, restaurant, take away, pet care $
Clothing & Personal Care - clothing, footwear, cosmetics, personal care, haircare $
Medical & Health - doctor, dental, optical, pharmaceutical, over the counter medicine $
Transport - Public transport, Registration, fuel, servicing, parking $
Education – PUBLIC - school fees, books, uniforms, excursions $
Education – PRIVATE - school fees, books, uniforms, excursions $
Education – Adult/Higher Education $
Childcare - Childcare, Pre-School, nanny, after school care $
Insurance – GENERAL – home & contents, motor vehicle $
Insurance – RISK – Life, TPD illness, income protection $
Private health - $
Dependants Support (child maintenance) $
Holidays - $
$
$0
TOTAL (D)
per month
Confirm Living Expenses are as detailed:
Client Signature Date________________
Client Name:
Date________________
Client Signature
Client Name:
Additional Information – Income and Expenses
Is there any other information we should know? e.g. YES NO
Do you Salary Sacrifice anything out of your pay? YES NO
Salary Sacrifice Amount: & Salary Sacrifices Rent
Are you a Guarantor on any other loans? YES NO
Are you a Director of any other company (other than the borrower)? YES NO
Is the company trading or not? YES NO
Have you had any credit checks recently? YES NO
YOUR PREFERRED LOAN FEATURES:
FEATURES: REQUIRED LOAN 1 LOAN 2 LOAN 3
Fixed Rate / Repayments
It is important to have certainty about the
interest rate and/or repayment for a fixed term
Yes: No: Optional:
Interest Only
It is important to make interest only repayments
for a specified term Yes: No: Optional:
Fixed and Variable 4
It is important to have a combination of fixed and 5
variable interest Yes: No: Optional:
1
Pay off quickly /
additional payments
8
It is important that the loan is paid off quickly and 9
that additional payments are allowed without
penalty
Yes: No: Optional: 9
3
Split account / offset
It is important to have more than one sub 5
account/s, or a separate account for
savings/investment funds, for tax, accounting, or
4
Yes: No: Optional:
personal expense purposes
Re-draw
It is important to have access to additional
repayment funds should it be required Yes: No: Optional:
Line of credit
It is important to have a revolving facility that
allows you to draw to a limit Yes: No: Optional:
Top up
It is important to have access to additional funds
for future use subject to sufficient equity
Yes: No: Optional:
Product flexibility
It is important to have the ability to switch
between a lender’s mortgage products Yes: No: Optional:
Transaction capability
It is important to be able to obtain available
funds via EFTPOS, ATM, Internet or Cheque Yes: No: Optional:
Portability
It is important to have the option to transfer the
loan to an alternative property to save money Yes: No: Optional:
and time
Other features sought:
Yes: No: Optional:
YOUR FINANCIAL SECURITY:
Have you had any difficulties in meeting your financial commitments in the past 2 years? Yes No
Have you ever had judgements or legal proceedings against you in the past? Yes No
If yes to either above, provide details:-
What is the purpose of the loan you are considering? E.g. pre-approval, purchase, refinance, construction
If a purchase, do you have an Offer & Acceptance?
Settlement Agent: Mosaic Settlements YES NO
OR Provide details below.
Agents Name:
Address:
Phone No:
Have you received advice from an accountant, solicitor, or financial planner regarding your Yes No
financial objectives?
If yes, provide details below.
Accountant Name:
Address:
Phone No:
PROTECTING YOUR LIFESTYLE / ASSETS:
Do you have insurance to protect your lifestyle e.g. personal, life, total permanent Yes No
disablement, income protection etc.?
How would your lifestyle needs be maintained if you and / or your partner were?
(a) temporarily unable to earn an income through sickness / illness?
(b) permanently unable to earn income e.g. through death / permanent disability?
Would you like someone to contact you regarding Life/TPD/ Income Protection insurance/full Yes No
Superannuation review, Financial Planning? (Steven Sardhina) – IF SO, SEE BELOW
If so, when would you like Steven to make contact (ie: ASAP / conditional / formal /
settlement)?
Do you have Home and Contents insurance? Yes No
If no, would you like someone to contact you regarding Home and Contents insurance? Yes No
Would you like SME Centrewest to contact you, re: Business Insurance? Yes No
Acknowledgment and consent:
I/we acknowledge that my/our name, contact details and other personal information will be forwarded to Capita Financial
Solutions Financial Services Pty Ltd, and I/we will be contacted by Steven Sardinha, an Authorised Representative of
Millennium3 Financial Services Pty Ltd ABN 61 094 529 987 AFSL 244 252, in relation to the above desired areas. Millennium3
Financial Services Pty Ltd ABN 61 094 529 987 AFSL 244 252, in relation to the above desired areas.
Client Signature Date________________
Client Signature Date________________
CHANGES TO YOUR CURRENT CIRCUMSTANCES:
Do you anticipate any material changes to your financial situation? For example, change in
Employment, income or expenditure:
If Yes, what are the reasons for the changes and what is the expected impact?
ADDITIONAL CLIENT NOTES:
− FHOG Yes No
− Savings Genuine? Yes No
− Rental Ledger 6 months? ______________________________
− Gift amount? ______________________________
− Amount of deposit used? ______________________________
− Purchase/Preapproval/Refinance? ______________________________
− Guarantor Details (If Applicable): ______________________________
Name: ______________________________
Amount Owing (Mortgage): ______________________________
Bank: ______________________________
Relationship: ______________________________
Things you should know
We don’t make any promises about the value of any property you finance with us or its future
prospects. You should always rely on your own enquiries.
We don’t provide legal or financial advice. It is important you understand your legal obligations under
the loan, and the financial consequences. If you have any doubts, you should obtain independent
legal and financial advice before you enter any loan contract.
Broker Signature__________________________ Date___________________
Broker Name: Adam Donald
Client Signature __________________________ Date___________________
Client Name:
Client Signature __________________________ Date___________________
Client Name:
Generated on 31/8/2022 13:11:38 AFG Privacy Consent Form [V10] - Released [July 2022]
Printed on 31/08/2022 Credit Guide v3.0 Page 9 of 10
Privacy Disclosure Statement www.afgonline.com.au
ABN 11 066 385 822
and Consent ACN 066 385 822
Australian Credit Licence 389087
Each consent given in this document continues until withdrawn in writing.
Privacy disclosure statement and consent
I/We consent to you using Personal Information, financial information and Credit Information about me/us for the purpose of arranging or
providing credit, providing credit assistance, insuring credit, and for direct marketing of products and services offered by you or any
organisation you are affiliated with or represent each of which may contact me/us for such a purpose including by telephone and
electronically and acknowledge that you may receive a fee or commission for referring me/us to a product or service provider, such as an
insurance provider. In this document “you” means each of Australian Finance Group Ltd (AFG), each subsidiary of AFG, the Appointed Credit
Service Provider and their organisation and any assignees or transferees of the commissions relating to any credit provided to me arranged
by the Appointed Credit Service Provider or their organisation. In this document, ‘Personal Information’ includes any sensitive information
(including health information) and any information I/we tell you about any vulnerability I/we may have.
The Personal Information provided by me/us will be held by you. I/We can obtain a copy of AFG’s Privacy Policy at www.afgonline.com.au.
Your privacy policy contains information about how I may access or seek correction of my Personal Information, how you manage that
information and your complaints process. If I/we do not provide the requested Personal Information, I/we acknowledge that you may be
unable to assist in arranging finance or providing other services.
You may disclose Personal Information about me/us to the following types of entities, some of which may be located overseas (including in
USA, Canada, Malaysia, India, Ireland, the United Kingdom, Serbia and the Philippines):
• any persons who provide credit or other products or services to us, or to whom an application has been made for those products or
services;
• any financial consultants, accountants, lawyers and advisers;
• any industry body, tribunal, court or otherwise in connection with any complaint;
• any person where you are required by law to do so;
• any of your associates, related entities or contractors (including printing/publication/mailing houses, IT service providers, cloud storage
providers, lawyers/accountants);
• our referees, such as our employers, to verify information we have provided;
• any person considering acquiring an interest in your business or assets;
• any organisation providing online verification of our identities;
• credit reporting bodies and other credit providers.
Credit information
I/We hereby authorise you to receive Credit Information from any lender about my/our credit affairs, and to provide any relevant real estate
agent, lawyer, conveyancer, agent or person authorised by me access to my Credit Information, with details of whether finance has been
approved for us, and if it has, the terms of that approval, including providing a copy of any approval letter.
I/We appoint you as our agent and authorise you to obtain our Credit Information (including both consumer and commercial credit eligibility
information) from a credit reporting body on our behalf. You are authorised to use that Credit Information to assist you to provide services,
including credit assistance, to me/us and to assist me/us to apply for credit. You are also authorised to exchange my/our Credit Information
with a credit reporting body. I/We acknowledge that you consent to these authorisations being provided in an electronic form (if
applicable).In this document ‘Credit Information’ is personal information or an opinion about me that has a bearing on credit that has been
provided to me or that I have applied for. This includes information such as my/our identity information, the type, terms and maximum
amount of credit provided to me/us, repayment history information, default information (including overdue payments), court information,
new arrangement information, financial hardship arrangement information including whether I have made a financial hardship arrangement
with you, personal insolvency information, disciplinary proceedings, complaints, delinquency, fraud investigations and details of any serious
credit infringements. ‘Credit eligibility information’ is credit reporting information supplied to you by a credit reporting body, and any
information that you derive from it.
Receiving information electronically
I/We consent to receiving credit assistance documentation and loan application information electronically. I/We acknowledge and agree that
paper documents may no longer be given, electronic communications must be regularly checked for documents and this consent to receive
electronic communications may be withdrawn at any time.
Video or audio conference recording
I/We consent to you obtaining Personal Information, financial information and Credit Information about me/us by way of video conference
and/or by way of audio conference for the purpose of arranging or providing credit, providing credit assistance or insuring credit and give
my/our permission for that video and/or audio conference to be recorded and provided to a credit provider, insurer or government agency
for this purpose.
Full Name of Applicant 1 Signature of Applicant 1 Date
Full Name of Applicant 2 Signature of Applicant 2 Date
Name and contact details of Appointed Credit Service Provider’s
Name of Appointed Credit Service Provider Organisation (if applicable) including address/email/phone no.
Adam Donald ADD Corporate Pty Ltd ATFT ADD Family Trust
Email: adonald@capitafinance.com.au
Mobile: 0408-866-550
Generated on 31/8/2022 13:11:38 AFG Privacy Consent Form [V10] - Released [July 2022]
Printed on 31/08/2022 Credit Guide v3.0 Page 10 of 10
