Game Plan - Up Loans

Team member completing this form:

SECTION 1- PREP TEAM NOTES

Client Name (Please fill out the names of ALL clients in full):

Top Up:

Purchase Application:

Refinance Application:

Is the mortgage we are refinancing a CBA, Westpac, ANZ or NAB loan:
N/AYes - Please prepare and lodge the discharge form now, as the outgoing lender's retention team is very active and may offer a more competitive rate than our initial attempts when the discharge form is requested by the broker.Yes - Yes - but do not download / lodge discharge form yet.

Is this a Fast Refinance:

Not a FastRefiFast Refinance (ANZ, AMP, BOQ, BOM, Beyond Bank, CBA, Heritage, ING, MyState, NAB, Suncorp, WBC), please add this link into the Game Plan notes for the client: https://www.uploans.com.au/blog/2024/01/24/fastrefi/

Bridging Loan:

Lead/Commission Split:

SECTION 2 - COVERSHEET NOTES

Broker:

Alternative Contact:

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 met 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)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:

Land Purchase:

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):

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 there a scheme place with this application?
Yes – Family Home Guarantee SchemeYes – Regional First Home GuaranteeYes – Normal First Home GuaranteeNo not applicable

Is a valuation required:

Are there any other applications in progress for this client:

Is this client a First Home Buyer:

Clarifications and Extra Notes.

Exit Strategy:

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

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)
Loan Amount (Use one only)
Purchase Loan Amount: $xxx
Refinance: $xxx on existing loan + $xxx redraw + $xxx cash out for XXPURPOSEXX = Total loan amount of $xxx
Loan term: 30 years
Repayment type: Principal and interest
Rates type: Variable
Particular product and product features: as per notes in your game plan
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:

Redraw or Offset:

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):

******************************************************

LENDER AND PRODUCT SELECTION RATIONALE

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

Why was this product selected? (Leave as option 1 unless broker advises otherwise)

Is this application eligible for First Home Buyer incentives?

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:

Are conveyancing costs factored in?:

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:

** Only complete if this application deals with multiple securities - edit as necessary **
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?

Would the applicant/s like more information about utility connections?

Would the applicant/s like a My Protection Plan offered by ALI group?