HOME LOAN APPLICATION FORM - Delphi Bank

HOME LOAN APPLICATION FORM 

HOME LOANS/FIXED RATE/VARIABLE RATE 

HOME EQUITY LOANS 

This is an important document. 

If you have difficulty understanding English, you must use an interpreter to explain it to you. 

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To process your request in the most efficient manner please provide us with the following: 

Personal identification (for new customers only): 

Income Verification: 

Passport 

Birth Certificate 

Marriage Certificate 

Tax Returns for the last two or three years. 

Copy of Group Certificate for the last year 

Two recent pay slips 

Driver's Licence 

Credit Cards 

Other 

Assets and Liabilities: 

For new property purchases: 

Most recent Statements of Savings / Transaction accounts 

Most recent Statements of loans and Credit Cards (6 Months) 

Most recent Rate Notice(s) of property you own 

Copy of the Contract of Sale 

Evidence of Deposit paid 

Copy of the proposed Transfer of Land 

Evidence of Current Insurance for Property you own 

Details of Superannuation / Life Insurance 

IMPORTANT 

If your loan is wholly or predominantly for Personal Investment purposes or if your loan is wholly or predominantly for 

Business or Business Investment purposes, ensure that the Business Purpose Declaration inside this application is completed. 

06.2006 Bank of Cyprus Australia Pty Ltd 

ABN 51 092 167 907 AFSL No. 244611 

Bank of Cyprus Australia Ltd AFSL/Australian Credit Licence 244611. ABN 51 092 167 907 Bank of Cyprus Australia Limited is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited

Applicant No 1 

Mr 

Mrs 

Miss 

Ms 

Other 

Surname 

Given Name 

Middle Name 

Date of Birth 

/ / 

Marital Status Married De facto Single Other 

Number of Dependants 

Driver’s Licence No. 

Ages of Dependants 

Are you a permanent Australian Citizen? Yes No 

Telephone Numbers 

Home ( ) 

Work ( ) Mobile 

Home Address 

Correspondence Address (if different from above) 

Postcode 

Postcode 

Residential Details Own/Buying Renting Living with relatives Other 

Number of years at current address 

yrs. 

Previous Home Address (if under 2 yrs at current address) 

Postcode 

Number of years at previous address 

yrs. 

Employment Details Full-time Part-time Self-employed Casual Other 

Employer’s name and address 

Postcode 

Telephone No ( ) Occupation 

Duration 

yrs 

Previous Employer (If under 2 yrs at current employer). 

Postcode 

Duration 

yrs 

Banking Details 

Name and address of main Banker 

Postcode 

Account Name 


Applicant No 2 

Mr 

Mrs 

Miss 

Ms 

Other 

Surname 

Given Name 

Middle Name 

Date of Birth 

/ / 

Marital Status Married De facto Single Other 

Number of Dependants 

Driver’s Licence No. 

Ages of Dependants 

Are you a permanent Australian Citizen? Yes No 

Telephone Numbers 

Home ( ) 

Work ( ) Mobile 

Home Address 

Correspondence Address (if different from above) 

Postcode 

Postcode 

Residential Details Own/Buying Renting Living with relatives Other 

Number of years at current address 

yrs. 

Previous Home Address (if under 2 yrs at current address) 

Postcode 

Number of years at previous address 

yrs. 

Employment Details Full-time Part-time Self-employed Casual Other 

Employer’s name and address 

Postcode 

Telephone No ( ) Occupation 

Duration 

yrs 

Previous Employer (If under 2 yrs at current employer). 

Postcode 

Duration 

yrs 

Banking Details 

Name and address of main Banker 

Postcode 

Account Name 


If the loan is to be in a company name please complete the following. (Additional information will be required). 

Company Name 

Business Type ACN No ABN 

Registered Office 

Trading Address 

Postcode 

Postcode 

Trust Details (if applicable) 

Loan Details 

Purpose 

New Purchase 

Refinance 

Are you eligible for the First Home Owners Grant? Yes No 

Name of Financial Institution 

Loan Consolidation 

Increase limit of an existing loan 

Account Number 

Other 

Type of Loan Amount Requested Purpose 

$ 

$ 

$ 

$ 

Total Bank Funding Required $ 

Personal 

Investment 

Term of Loan (years) 

(Max. 25 years) 

Loan Interest Rate 

Variable Rate Home Equity Loan Fixed Rate yrs(Max 5yrs). 

Repayment Method 

Interest Only Interest only period (years) (Max. 5 years) 

Principal and interest instalments. 

Instalment Frequency 

Monthly 

Fortnightly 

Periodical Payment Nomination 

Would you like your loan repayments to be deducted from your Bank of Cyprus Australia nominated account? 

Yes - give details 

No 

Account Name 

Account No 

Branch No 


Property Information (if offered for security) 

PROPERTY 1 Address: 

Type of Property: House Town House Unit Other 

Property will be: Owner occupied Rental / Investment 

Other 

General description of building 

Walls: 

Brick 

Timber 

Fibro 

Other 

Roof: 

Tile 

Iron 

Other 

Number of Bedrooms 

Other features (e.g. Security devices) 

Purchase Price $ 

Number of Bathrooms 

Volume 

Folio 

Family / Living Rooms 

Contact Name & Telephone No. for Property Valuation 

PROPERTY 2 Address: 

Type of Property: House Town House Unit Other 

Property will be: Owner occupied Rental / Investment 

Other 

General description of building 

Walls: 

Brick 

Timber 

Fibro 

Other 

Roof: 

Tile 

Iron 

Other 

Number of Bedrooms 

Other features (e.g. Security devices) 

Purchase Price $ 

Number of Bathrooms 

Volume 

Folio 

Family / Living Rooms 

Contact Name & Telephone No. for Property Valuation 

CONSTRUCTION 

Property above 1 or 2 Estimated Building Completion Date / / 

Total cost of Building $ New Home Home Extension 

The following documents are required for construction of a new house and may be required for a home extension: 

Registered Building 

Owner Builder / Subcontractor 

• Plans & Specifications (e.g. Council approved plans, 

Building permit) 

• Signed fixed price Building Contract 

• Copy of Builders Insurance 

Solicitor’s / Conveyancer’s Details 

Contact Name 

Company Name 

• Plans, permits & licences (e.g. Council approved plans, 

Building permit) 

• Expenditure Budget 

• Quotations and estimates 

• Quantity Survey and Soil Test 

• Timeline of project 

• Building and Indemnity Insurance 

Address 

Postcode 

Telephone No ( ) Fax No ( ) 


Statement of Financial Position 

Monthly Income 

Salary 

Gross salary 

Applicant No1 $ 

Applicant No2 $ 

Other income (part-time 

Dividends, interest, etc.) 

$ 

$ 

Gross rental Income $ 

Rental Income after expenses ( x 75%) 

After tax salary 

$ 

$ 

Self employed applicants Net Profit 

After tax profit 

Profit (attach financial 

Statements) $ $ 

Total Net Income per month 

Summary 

Total net income per month 

$ 

$ 

$ 

$ 

$ 

Monthly Outgoings 

Home Loans 

Personal Loans 

Credit cards / Store cards 

Other debts 

Other loans 

Total Credit Commitments 

Insurance 

Gas 

Electricity 

Rates/Water/Council 

Telephone 

Mobile Telephone 

Living Expenses 

Motor Vehicle Expenses 

Rent 

Other 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

Less Total monthly outgoings 

Uncommitted Monthly Income 

$ 

$ 

Total Monthly Outgoings 

$ 

Assets 

Liabilities 

Real Estate Owned 

Value $ 

Value $ 

Deposit Accounts 

Organisation Account Name Value 

$ 

$ 

Life Insurance 

Surrender Value 

Motor Vehicle/s 

Make Model Year Value 

$ 

$ 

Other Assets (excluding home contents) 

Value $ 

$ 

Value $ 

Mortgage Loans 

Name of Lender Account Name Amount Owing 

$ 

$ 

$ 

Other Loans 

Name of Lender Account Name Amount Owing 

$ 

$ 

$ 

Credit Cards/ Store Cards 

Type Issuer Limit Outstanding 

$ 

$ 

$ 

Total Value of Assets 

Other Assets Not Included In Total Value 

Home Contents 

Superannuation (Payout value) 

Goodwill of Business 

$ 

$ 

$ 

$ 

All other debts (Specify Lenders) 

$ 

$ 

$ 

Total Value of Assets 

Less Total Value of Liabilities 

Surplus 

$ 

$ 

$ 

Total Value of Liabilities 

$ 


Insurance Arrangement 

Insurance Company details 

Cover Held 

Building $ 

Contents $ Valuables/Personal Effects $ 

Insurance to be arranged by myself/ourselves, with the Bank of Cyprus Australia’s interest noted as mortgagee. 

Lenders Mortgage Insurance (Bank to complete) 

Is Lenders Mortgage Insurance required? Yes No 

Declaration 

I/we have never been bankrupt or had judgement entered against me/us for unsatisfied debts 

I/we are not currently guaranteeing repayment of a debt on behalf of someone else 

I/we have never been known by any other name and have never changed my/our name 

(except as the result of marriage) 

If you answered false to either of the above questions, please provide details: 

True 

True 

True 

False 

False 

False 

Applicant No1 Signature 

Applicant No 2 Signature 

Borrowers’ Nomination to Receive Notices 

Account Name 

I/we nominate 

to receive notices and other documents under the Consumer Credit Code on my/our behalf in relation to a loan as a result of 

this application 

IMPORTANT - each Borrower/Mortgagor/Guarantor is entitled to receive a copy of any notice or other document under the Code. By 

signing this nomination you are giving up the right to be provided with information direct from the Bank. Such information will go to 

the nominated person on your behalf. Any person who has signed this nomination can advise the Bank at any time that they wish to 

cancel their nomination. 



Guarantors’ Nomination to Receive Notices 

Account Name 

I/we nominate 

to receive notices and other documents under the Consumer Credit Code on my/our behalf in relation to a loan as a result of 

this application 

IMPORTANT - each Borrower/Mortgagor/Guarantor is entitled to receive a copy of any notice or other document under the Code. By 

signing this nomination you are giving up the right to be provided with information direct from the Bank. Such information will go to 

the nominated person on your behalf. Any person who has signed this nomination can advise the Bank at any time that they wish to 

cancel their nomination. 




Business Purpose Declaration 

DECLARATION UNDER THE CONSUMER CREDIT CODE WHERE THE CREDIT IS TO BE APPLIED WHOLLY OR 

PREDOMINANTLY FOR BUSINESS OR INVESTMENT PURPOSES 

To: Bank of of Cyprus Australia Australia Pty Ltd AFSL/Australian ABN 51 092 167 Credit 907 Licence 244611. ABN 51 092 167 907 

I/We declare that the credit to be provided to me/us by the credit provider is to be applied wholly or predominantly for 

business or investment purposes (or for both purposes) 

IMPORTANT- You should not sign this declaration unless this loan is wholly or predominantly for business or 

investment purposes. 

By signing this declaration you may lose your protection under the Consumer Credit Code. 



please print name 

please print name 

Date: / / 

You may need a separate declaration for each loan that the credit provider gives. 


Privacy Consent (Privacy Protection of Information) 

This Consent must be signed by each individual applying, and by each individual who provides personal information, to the Bank 

including but not limited to guarantors. 

To the Bank of of Cyprus Australia Ltd Pty AFSL/Australian Limited ABN Credit 51 092 Licence 167244611. 907 ('the ABN Bank') 51 092 167 907 (‘the Bank’) 

Acknowledgement and authority that the credit information may be given to a credit reporting agency. 

The Privacy Act (1988) allows the Bank to give a credit reporting agency certain personal information about me/us which I/we 

authorise the Bank to do. The information which may be given to a credit reporting agency includes: 

- Identifying details of me/us. 

- The fact that I/we have applied for credit and the amount. 

- The fact that the Bank is a credit provider to me/us. 

- Payments, including payments that are wholly or partly a payment of interest, which become overdue more than 60 days and 

collection action has commenced. 

- Advice that payments are no longer overdue. 

- Cheques in excess of $100.00 drawn by me/us which the Bank has dishonoured more than once. 

- Court judgments made against me/us. 

- Bankruptcy orders made against me/us. 

- In specific circumstances, that in the opinion of the Bank I/we have committed a serious credit infringement. 

- That the credit provided to me/us by the Bank has been discharged. 

Authority for the Bank to obtain certain credit information. 

To enable the Bank to assess my/our application for commercial or personal credit, or (where applicable) to assess whether to 

accept me/us as a guarantor, and to conduct subsequent reviews, I/we authorise the Bank to obtain from a: 

- credit reporting agency a credit report containing personal or commercial information about me/us in relation to personal or 

commercial credit provided to me/us or (where applicable) for which I/we are guarantors. 

- credit reporting agency a credit report containing personal or commercial information about me/us for the purpose of the 

collection of payments that are overdue in respect of the personal or commercial credit provided to me/us or (where applicable) 

for which I/we are guarantors. 

- business which provides information about the commercial credit worthiness of persons a report containing information about 

my/our commercial activities or commercial credit worthiness. 

Authority to exchange information with other credit providers 

I/we authorise the Bank to give and to obtain from other credit providers named in this credit application, and credit providers that 

may be named in my/our credit report issued by a credit reporting agency, information about my/our credit arrangements. I/we 

understand this information can include any information about my/our credit worthiness, credit standing, credit history or credit 

capacity that credit providers are allowed to give or receive from each other under the Privacy Act (1988). 

I/we understand the information may be used for the following purposes: 

- To assess an application by me/us for credit. 

- To assist me/us avoid defaulting on my/our credit obligations. 

- To notify other credit providers of a default by me/us. 

- To assess my/our credit worthiness. 

Banker's opinion 

I/we authorise the Bank to give and receive a Banker's Opinion for purposes connected with my/our business, trade or profession. 


Authority for Lender Mortgage Insurers (if applicable) 

Lenders Mortgage Insurance protects the Bank against any shortfall from a mortgagee sale of the security property. A claim paid 

under mortgage insurance will be recovered by the mortgage insurer directly from the borrower(s) and/or guarantor(s). 

I/we authorise the Bank to disclose a report or information to a Lender Mortgage Insurer to assess: 

- whether to insure or the risk of insuring the Bank for the credit given to me/us, 

- to assess the risk of default by me/us on the credit given to me/us 

- for any purpose arising under the contract of insurance between the Bank and the Lenders Mortgage Insurer. 

I/We acknowledge that the Bank may provide personal information about me/us to Lenders Mortgage Insurers in connection with 

my/our application. Should I/We wish to obtain details of these organisations, and how I/we should contact them, the Bank, will 

provide me/us with these details. I/we acknowledge that my/our personal information is collected by these organisations for the 

purposes set out above. In this respect, the organisations may disclose my/our personal information to their related companies. 

If my/our personal information is not provided to these organisations, I/we acknowledge that the Bank may not be in a position to 

provide me/us with the loan facility requested. 

Authority for the Bank to give information to guarantors and proposed guarantors. 

I/we authorise the Bank to give to any person nominated as guarantor or potential guarantor of, or to any person who has or will 

provide property as security for, personal or commercial credit provided to me/us by the Bank: 

- personal information about my/our credit worthiness, credit standing, credit history, credit capacity or other relevant information 

(i) relating to the credit facilities which are the subject of the guarantee (ii) for any purpose related to the enforcement or 

proposed enforcement of the guarantee; or (iii) to decide whether to offer to act as guarantor or to offer security for the credit 

provided to me/us. 

- A copy of the agreement guaranteed or to be guaranteed by the guarantor (whether signed or unsigned) 

- A copy of any notice sent to me/us or to the Bank (including a formal demand) 

- If the guarantor requests, a copy of any statement for my credit or other facility which they guarantee. 

Promotion of other products or services 

If this application is approved, then until I/we notify the Bank otherwise, the Bank may use my/our personal information to help 

promote its products or services or those of its related companies. Where I/we do not want the Bank to notify me/us about its 

products and services or those of its related companies, I/we may withdraw our consent by calling 1300 660 550, contacting any 

Bank of Cyprus Australia branch or notifying the Bank through the Bank's website www.bankofcyprusaustralia.com.au. 

Other Acknowledgments and Consents 

- I/we acknowledge that this application form is not to be regarded as an offer or acceptance of credit under any legislation relating 

to the provision of credit. 

- I/we understand that if the Bank declines my/our credit application due to adverse information on my/our personal credit file, 

then each applicant for the credit may be notified that the application has been declined wholly or partly on information from a 

personal credit report relating to me/us. 

- I/we understand that I/we may request access to my/our information at any Bank of Cyprus Australia branch and understand that 

the Bank may impose a fee for providing such information 

- I/we acknowledge and agree that the Bank may contact my/our employer and other parties noted in the form to verify the details 

which I/we have provided. 

- I/we acknowledge that the Bank may share my/our personal information with other Bank of Cyprus entities and other related 

entities for the purposes of providing me/us with the loan facility. 

Declaration and Authority 

I/we have read the particulars which have been completed in this form and state that these particulars are true and correct and have 

been provided to the Bank to enable it to determine whether or not to provide me/us with the loan facility for which I/we hereby 

make a formal application. 


I/we agree to pay all costs, outlays and out of pocket expenses (including valuation, registration, stamp duty and legal costs) 

incurred by the Bank whether or not the loan facility is approved or the loan funds advanced. 

I/we authorise the Bank to debit my/our nominated account, or any other account held with the Bank if the nominated account has 

insufficient funds, for all repayments and interest payable in relation to the loan. 

I/we also understand and confirm that a credit check may be undertaken as part of this application and I/we have read, understood 

and agree to the above 'Customer Consent (Privacy Protection of Information)'. 

Applicant No 1 Applicant No 2 

Signature 

Signature 

Date / / Date / / 

Guarantor Declaration (where applicable) 

I/we have read the particulars which have been completed in this form and state that these particulars are true and correct and have 

been provided to the Bank to enable it to determine whether or not to accept me/us as a guarantor for the loan facility. I/we have 

read, understood and agree to the above 'Customer Consent (Privacy Protection of Information)'. My/our agreement to the use and 

disclosure of my/our personal information applies to any personal information collected by the Bank in the course of my/our 

relationship with the Bank. 

Guarantor's Name: 

Guarantor's Name: 

Guarantor's Signature: 

Guarantor's Signature: 

Date / / Date / / 


For any enquiries please call 1300 660 550 or visit www.bankofcyprusaustralia.com.au

HOME LOAN APPLICATION FORM - Delphi Bank

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