Internal notes – Game Plan Form

No, not a Fast RefiFast Refinance (AMP, BOQ, BOM, Beyond Bank, CBA, Heritage, ING, MyState, NAB, Suncorp, WBC)

Bridging Loan:
N/AMake sure to refinance existing debt as well as new purchase debt.

BANK SPECIFIC INFORMATION:

Adelaide Bank Applications:
N/AAlways select for loan documents to be sent to the client NOT the broker + prepare application with pre-signed form attached. If pre-approval, please also make sure to add a DUMMY security address in AOL to ensure that it is fully assessed.

ANZ Applications:
N/APlease tick 'yes' to email documents and add password KiUpL22! Please also copy any notes from the coversheet into the first screen of AOL XX ANZ ID - if a repeat client, please ask them to provide a screenprint of themselves with photo ID as per https://www.uploans.com.au/blog/2022/11/18/providing-your-id/

Bank of Melbourne Applications:
N/APut the following text on ID form and have broker sign it: I, (broker's name), broker, certify this is a true copy of the original (date).

Go Edge Applications:
N/APlease prepare application with pre-signed form attached.

Firstmac applications
N/APlease make sure that form called Third Party access form is provided to client to complete with application documents. It is saved in lender forms in dropbox

ME Bank Applications (Please tick all checkboxes that apply):
N/APlease prepare application with pre-signed form attached + see notes below.

This is an AIP - prepare pre-approval application with approval form.Member Package Application - Add this to notes on ME form: Applicants confirmed they want a Member Package and are happy with the $395 annual fee as they want to lower their variable interest rate and take the benefit of the various fee waivers on this loan and their future loans. Variable rate and P&I repayments have been selected as this will provide the flexibility of having a minimum repayment which pays off principal with the ability to pay extra directly off the loan at any time to reduce the loan period. Additional repayment can be accessed via redraw at any time if required. The applicants have confirmed they want the Flexible Home Loan as they want the option of an offset account to be utilised to reduce interest expense.ME Bank Basic Application - Add this to notes on ME form: The clients have confirmed they want a simple, basic loan product with limited features at this time so the Basic product suits their needs. I have explained to them that the Basic Home Loan variable rate is higher than that which can be accessed if they applied for a flexible home loan with member package, but they confirmed they don’t need the features of the package and they don’t wish to pay for the annual fee and the Basic product meets their needs.ME Bank Package + Fixed - add this to notes on ME form: Applicants confirmed they want a Member Package and are happy with the $395 annual fee as they want to lower their variable interest rate and take the benefit of the various fee waivers on this loan and their future loans. Variable rate and P&I repayments have been selected as this will provide the flexibility of having a minimum repayment which pays off principal with the ability to pay extra directly off the loan at any time to reduce the loan period. Additional repayment can be accessed via redraw at any time if required. The applicants have confirmed they want the Flexible Home Loan as they want the option of an offset account to be utilised to reduce interest expense. Clients want a fixed loan to give them repayment stability allowing them to manage cash flow better and are happy with the annual fee and limitations as to redraw and extra funds paid in.

Mystate Applications:
N/APlease prepare application with pre-signed form attached, also select to open a Glide account on application form.

Suncorp Applications (tick all boxes that apply):
N/AYES. XS - please send SunVerify to the client via the broker portal, prepare application with pre-signed form attached and see notes below:
Make sure on page 3 redraw/cashback is selected, on page 4 is ticked for Home Package Plus, product is indicated on page 1 by manual edit (First Home Buyer Plus package), and both tick boxes for broker authority are pre-ticked.FOR CONSTRUCTION LOANS - make sure you have selected IO repayments on the application form

Virgin Money Applications:
N/APlease prepare application with pre-signed form attached.

Other Financial Institution (please provide notes below):

Lead/Commission Split:
Office LeadKirsty 100%Carrie 100%Office lead - 80% Carrie, 20% Kirsty. XS please unselect Auto Commission Claim in MyCRMOther - see notes below, and XS please unselect Auto Commission Claim in MyCRM:

SECTION 2 - COVERSHEET NOTES

Broker:
Kirsty Dunphey - status@uploans.com.auCarrie Twine- carrie@uploans.com.auCarly Pitt - carly@uploans.com.auKeisha Thompson - keisha@uploans.com.auSamantha Walker - samantha@uploans.com.au

Loan Processor/CSM For Contact:
Dave, phone: 02 8004 7172 or dave@uploans.com.auEliza, phone: 0414 947 959 or eliza@uploans.com.auCarly, phone: 0407 059 484 or Carly@uploans.com.auLucy, phone: 0414 947 959 or lucy@uploans.com.auSamantha, phone: 0414 947 959 or samantha@uploans.com.auKeisha, phone: 0407 677 178 or keisha@uploans.com.auRose, phone: 02 9137 8998 or rose@uploans.com.auStevenson, phone: 03 6331 5518 or stevenson@uploans.com.au

Applicant Information

Applicant Information: Copy and paste one of the below into the text box and edit as needed:
XX is a single applicant with no dependents.
XX is a single applicant with XX dependents aged XX.
XX and XX are a married couple with no dependents.
XX and XX are a married couple with XX dependents aged XX.
XX and XX are a deFacto couple with no dependents.
XX and XX are a deFacto couple with XX dependents aged XX.

How was the ID Check done for this application?
Broker met applicant/s in person in our office at 36 Brisbane Street, Launceston.Applicant is a previous client of the broker's that the broker has identified numerous times before, current application done via email and phone contact.Broker HAS NOT met client/s face to face - Applicant/s ID Check performed via video interview holding up Driver's License (please attach Zoom ID Screenshot). (ING, ME, Virgin, CBA, Suncorp, ANZ, Firstmac, Westpac)Broker HAS NOT met client/s face to face - Applicant/s ID check performed via IDyou. (NAB, Go Edge, Mystate, Auswide, Bluestone, La Trobe,Med fin, Mortgage Ezy, Resimac, Thinktank, Bank Australia)Broker HAS NOT met client/s face to face - Applicant/s ID check performed via video interview, holding up driver's license and certified ID. (Please attach Zoom ID screenshot) (Adelaide)Broker HAS NOT met clients face to face - Applicant/s ID check completed with Certified ID form (Bank of Us)Broker HAS NOT met clients face to face - Applicant/s ID check completed with Certified ID (Macquarie)Broker HAS NOT met clients face to face - ID check completed with Certified ID, certified ID form for BOQ plus screenshots of video interview (BOQ)Broker HAS NOT met clients face to face - ID check completed with screenshot of 2 forms of ID via Zoom/Facetime.XX Broker is completing this form - Admin complete for ID please XX

Co-Borrowers:
N/AIt is believed that both co-borrowers receive a substantial benefit from the loan. The broker has been informed that both borrowers will acquire a reasonably proportionate interest in assets purchase with loan funds. A reasonable portion of the loan funds are used to repay the co-borrowers debts or other obligations owed by them where appropriate. No signs of financial abuse noted.

Purpose of Loan:
The purpose of this loan is to purchase an owner occupied property.The purpose of this loan is to purchase an investment property.The purpose of this loan is to refinance an owner occupied property.The purpose of this loan is to refinance an investment property.Cash out - see details belowOther - see details below:

Is this application relating to a separation:
No, this is not a separationYes, client is separating and will retain their existing propertyYes, client is separating but will NOT retain their existing property.

Land Purchase:
N/ALand purchase with existing owner occupied home – applicant will continue to reside in current owner occupied home.Client will continue to rent and lease has been attached.Client currently lives at home, nominal rent used.

Income/Employment

Please provide employment details for all applicants (Edit below as needed):
XnameX is a XprofessionX employed XXXpartime/fulltime/casuallyXX since XXdateXX.

XXX Income Calculations (edit as necessary - delete and write N/A if no female applicant - duplicate if multiple female applicants):
BASE: XXX Income frequency: How was income calculated: Bonus/ commission / overtime explanation: Salary sacrificing: Deduction explanation (explain ALL deductions):

XXX Income Calculations (edit as necessary - delete and write N/A if no male applicant - duplicate if multiple male applicants):
BASE: XXX Income frequency: How was income calculated: Bonus/ commission / overtime explanation: Salary sacrificing: Deduction explanation (explain ALL deductions):

XXX Liabilities :
Credit Card Limit: XXX Personal Loans: XXX HECS: XXX

Government Income (Family Tax Benefit) or Child Support Received - Write "N/A" if not applicable:

Rental Income Received- Write "N/A" if not applicable:

Deposit source - you will find this in the Broker's original email:

Is a valuation required:
Preapproval - no valuation required as yet.AVM in documents file.Valuation in documents file.Please order valuation, using the following details:

Are there any other applications in progress for this client:
No other applications in progress.Other applications in progress- see following details:

Is this client a First Home Buyer:
NoYes - factor in 100% stamp duty for purchase in Tasmania under $750,000Yes - factor in $10,000 first home builder's boost for purchase of new property never lived in/constructionYes BUT no rebates factored in, will be added when converted from pre-approval to formal.Yes - non-Tasmanian First Home Buyer.

Clarifications and Extra Notes.

Exit Strategy:
Client below age 45, no exit strategy.Client over age 45, exit strategy below.
Exit strategy: Clients will pay the loan off prior to retirement by making standard or increased contributions.Exit strategy: Clients will pay the loan off prior to retirement by making standard or increased contributions, they also have the option to sell off an investment property at or prior to retirement to retire debt free.Exit strategy: Clients will pay the loan down at an increased rate, capacity to do so shown in servicing, they have significant working years left, by the time they retire they will have ample funds in super to pay off the balance of the loan.Exit strategy: Clients aim to pay the loan down at an increased rate, they have significant working years left, at or prior to retirement they will sell down investment property to retire debt free.Exit strategy: Clients aim to pay the loan down at an increased rate, they have significant working years left, at or prior to retirement they will pay balance from super.Detailed super exit strategy (Use SUPER tab in the checklist, complete this and PDF it) - See separate exit strategy attached in PDF format.

Refinance Rebate:

SECTION 3 - GAME PLAN GENERATION

Customer Objectives
Primary Purpose (select all that apply here):
Purchase - First HomePurchase – Next HomePurchase – InvestmentRefinance – RenovateRefinance – Consolidate DebtRefinance – Get a better dealRefinance – Borrow Extra FundsOther – see following notes:

Applicant written objectives for this loan application (Get this from the initial client meeting notes in the Broker's email)

Your detailed understanding of your client’s specific objectives for this loan application (Get this from the Broker's summary email, copy and edit the template below)
Purchase price: (remove if not purchase)
Loan Amount: $xxx
Refinance: $xxx on existing loan + $xxx redraw + $xxx cash out for XXPURPOSEXX = Total loan amount of $xxx (remove if purchase app)
Loan term: 30 years
Repayment type: Principal and interest
Rates type: Variable
Particular product and product features: XXXPlease note product here, if variable or fixed, and if offset availableXXX
Specific lender policies:
Lender Preference:
Reason for selecting lender:
Additional expenses (i.e. insurance related to loan): LMI will be charged / LMI will not be charged
Other requirements/considerations (i.e. timeliness, interest rate etc):
Future Goals/Objectives:

Any important timeframes/dates:
NoYes, there is a finance clause - see contract date.

Is the client happy with their current bank (only select 'No' if the broker has specifically asked this):
YesNo

Rate Preferences:
Variable rate for flexibility with repayment, ability to make extra repayments and redraw.Fixed rate for certainty of repayment and making budgeting easier.Split fixed/variable to make budgeting easier and give flexibility with repayments.

Fixed Rate Duration:
N/A1 Year2 Years3 Years4 Years5 Years

Repayment Preference:
Principal and Interest – to minimise interest paid of life of loan and build up equity from start.Interest Only – recommended by independent financial advisor / taxation reasons.Interest in Advance – For tax purposes as recommended by financial advisor.Line of Credit.

Repayment Frequency:
Fortnightly repayments.Weekly repayments.Monthly repayments.

Interest Only Duration:
N/A1 Year2 Years3 Years4 Years5 Years

The broker has explained associated risks of repayment time to all clients:
YesNo

Redraw or Offset:
Redraw – to gain access to prepaid funds.Offset – quicker loan repayment / access to funds / protection for future/current investment property usage.Loan completely fixed, no redraw or offset.

The broker has explained associated risks of special features preference time to all clients:
YesNo

Are there any conflicts between any of the loan features marked as important:
NoYes - details as follows:

Does the client have a preferred lender:
NoYes:

Other loan products considered (minimum two):

Are there any previous issues related to debt arrears (including credit cards, personal loans,
car loans, short term loans), monies owing to friends/family, education loans, credit declines
or bankruptcy? OR current debts in arrears (Leave as "No" unless broker notes specifically say otherwise):
NoYes - details as follows:

Has the client been a director in the past 5 years (check the credit report for this) (Leave as "No" unless broker notes specifically say otherwise):
NoYes - details as follows:

Is the client confident that they have adequate insurance cover to protect their family against injury, death, or financial hardship (Leave as "No" unless broker notes specifically say otherwise):
No, I understand my broker will provide an ALI protection quote on approval.Yes, I am under guidance from a financial planner.

Is the client confident that they have adequate insurance cover to protect their home and contents against accident damage or theft:
Broker will provide Allianz quote if purchasing a property, will not provide quote for existing properties unless requested

Are there any other requirements and objectives not already stated:
NoYes - details as follows:

POSSIBLE ADVERSE CHANGES

Do any applicants plan or anticipate changes other than retirement:
NoYes - details as follows:

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CONFLICTS OF INTEREST - LEAVE ALL SET TO 'NO' UNLESS BROKER HAS LEFT SPECIFIC NOTES TO CHANGE THESE
Are there any conflicts of interest between the broker and the client surrounding the following?
Tiered servicing arrangement for faster turnaround times?
NoYes - details as follows:
Making a payment to a third party for referring the client?
NoYes - details as follows:
Business ownership structure, e.g. joint ventures?
NoYes - details as follows:

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LENDER AND PRODUCT SELECTION RATIONALE

Does the client fit the target market determination? (Leave as 'yes' unless broker advises otherwise)
YesNo

Why was this product selected? (Leave as option 1 unless broker advises otherwise)
This product is in the best interest of this clientThe client specifically requested this product

Is this application eligible for First Home Buyer incentives?
Applicants are not First Home Buyers: Please removeAll applicants are first home buyers

Scheme Loan:
No, loan does not have a schemeYes , this is a scheme loan (RHGS, FHGS, SPGS) - Please note this loan is under a government guarantee scheme. This is for owner occupied home loans only. Should you wish to rent your property out in future you will need to contact your broker to discuss options to refinance as this home loan cannot be used for an investment / rental property.

INTEREST RATES
Broker has compared multiple lenders and recommended based on:
Competitive interest ratesYour deposit amountSpeed of lenderArea you’re purchasing inBorrowing capacityCashback to cover costs in moving lendersYour incomeCredit policy

Is this a purchase:
Client is not purchasing: Please remove.Client is purchasing:ZZ Please visit this page from our website to go over important information for your purchase: https://www.uploans.com.au/gppurchaseyes
Are conveyancing costs factored in?:
N/A - client is not purchasing.YES -ZZ Conveyancing costs to be factored into estimations. We have factored conveyancing costs into our estimations for your application. Please read over this page of our website for information regarding this: https://www.uploans.com.au/gpconveyancingyes/NO. -ZZ Conveyancing costs not to be factored into estimations. We have not factored in conveyancing costs to our estimations for your application. Please read over this page on our website for information regarding this: ttps://www.uploans.com.au/gpconveyancingno/

PRODUCT FEATURES:
Simple basic product: A simple product recommended to suit clients needs: Low rate variable product, NIL ongoing fees, redraw allowed, no offset. Applicant may look at fixed options at a later stage. The applicants are aware that this product has redraw and not offset.Wealth package product required, $395 annual fee, SINGLE offset facilities, ability to fix part.Wealth package product required, $395 annual fee, MULTIPLE offset facilities, ability to fix partWealth package product required, small monthly fee, SINGLE offset facilities, ability to fix part.**uBank only** Wealth package required, $250 annual fee, multiple offset facilities.**Adelaide Bank Only** $15 per month offset, single offset per loan

Check box below if loan has REDRAW:
The loan product for your application has a redraw facility available. Please visit this page for important information regarding redraw: https://www.uploans.com.au/gpredraw/

Check box below if loan has OFFSET:
The loan product for your application has an offset facility available. Please visit this page for important information regarding offset facilities: https://www.uploans.com.au/gpoffset/

FIXED LOANS.
Has a fixed rate been requested:
No - ZZ At this stage a fixed rate has NOT been requested. Please read over this page for important information regarding fixed rates: https://www.uploans.com.au/gpfixedno/Yes - ZZ A fixed loan has been requested. Please read over this page for important information regarding fixed rates: https://www.uploans.com.au/gpfixedyes/
** Only complete the template below if this application deals with multiple securities - edit as necessary. Also add any additional notes to be put in the application here **
Loan Structure for multiple securities. Owner occupied home: XX Loan 1: $XX Refinance existing home loan XX% Loan 2: $XX 20% + costs on new purchase XX% Investment property: Pre-approval Loan 1: 80% of purchase price XX% Properties to remain un-cross collateralised. See here - https://www.uploans.com.au/blog/2019/03/03/cross-collateralising.

FUTURE GOALS AND REFERRALS
Would the applicant/s like more information about property insurance?
Yes (For a purchase application only)No (This is not a purchase application)
Would the applicant/s like more information about utility connections?
Yes - this is an OO purchase applicationNo - this is an investment property purchaseNo - This is not a purchase application
Would the applicant/s like a My Protection Plan offered by ALI group?
Yes