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SMART Loan App Declaration

Declaration page for the loan application form.

  • CLIENT & ADVISER DECLARATIONS & ACKNOWLEDGEMENTS

    • I/We understand that if we do not disclose all information and then new information comes to light that affects my/our ability to borrow that a loan offer may subsequently be withdrawn or declined due to non-disclosure. I/We will still be obligated to pay the fee for arranging the loan.
    • That I/we will receive a copy of the advisers disclosure statement version no# 11 under the Financial Advisers Act 2008.
    • That I/we confirm the deposit, if applicable, has been gained by lawful means.
    • That I/we agree to receive promotional electronic messages as deemed appropriate from the Adviser and the Lender/s.
    • I/We acknowledge that the information in all the documents attached to this Declaration is an accurate summary of my/our personal and financial situation at this point in time.
    • If I/we have indicated in the Fact Find that I/we require a referral to a third party for additional advice I/we authorise my/our Adviser to provide my/our contact details and relevant information to such party/ies.
    • I/We acknowledge that as a part of ensuring the Adviser maintains industry best practice standards, the Adviser’s records and procedures, including my/our files will be subject to a regular compliance review performed by external reviewers and/or the Regulator.
    • I/We acknowledge and accept that my/our adviser reserves the right to charge a one off fee of $1,200+GST for my/our adviser obtaining a lenders approval of finance that meet my/our specified needs, should I/we decide not to proceed with the offer.
    Privacy Act Acknowledgements: I/We are aware:
    • The name and address of the Adviser firm that will hold the information is:
      Smart Brokers Limited t/a SMART of PO Box 424, Whitianga
    • My/our information will also be held by any Lenders approached by the Adviser in the course of arranging the loan. I/we understand that I/we are not required by law to provide any personal information to the Adviser, but that failure to do so will result in the Adviser being unable to obtain finance on my behalf.
    • I/we have a right to request access to and correction of any personal information held by the Adviser or by the Lender.
    • That the personal information collected in this form and in the course of my dealings with the Adviser is collected initially for the purposes of assessing my application for mortgage finance and may be given to a number of Lenders at the Adviser’s discretion. If my application is successful, I understand that the information will be used by the Lender for the purpose of administering the loan, and by the Lender and Adviser for administering any ongoing commission payments to the Adviser. If the Adviser has an arrangement with the Lender that the Lender will pay an ongoing commission over the term of my loan, the Lender will periodically disclose the loan balance to the Adviser. I understand that the Adviser and Lender might also use my personal information for the purposes of market research and from time to time to notify me of products or services that may be of interest to me.
    • That the Lender will, from time to time, make the information available to the Lender’s mortgage insurer (if any), any person with whom the Lender proposes to enter into contractual arrangements, any security trustee and any assignee or potential assignee of the Lender’s rights (the “Recipients”).
    I/We authorise:
    • The Adviser, the Lender and the Recipients to collect personal information about me from third parties including, but not restricted to, credit reporting agencies, banks and employers, and for those third parties to disclose information to the Adviser, the Lender and the Recipients.
    • The Lender to disclose my personal information to the Adviser during the term of the loan in order to answer my queries or assist me with my financial arrangements as my circumstances change.
    • The Adviser, the Lender and the Recipients to disclose my personal information to credit reporting agencies and also to any third party making an authorised enquiry about me
    • The credit reporting agencies of the Adviser, the Lender and the Recipients to hold my personal information on their systems and to use my personal information to provide their credit reporting services.
    • The credit reporting agencies of the Adviser, the Lender and the Recipients to provide my personal information to customers using their credit reporting services.
    • The Adviser, the Lender and the Recipients to use the services of their credit reporting agencies in future for purposes related to the provision of the loan and/or any other credit to me. This authorisation shall include the use of any monitoring services to receive updates about me if any of the personal information held about me changes.
    • The Adviser, the Lender and the Recipients to give information to credit reporting agencies about my default in any payment obligations to the lender or adviser and to provide information about my default in any payment obligations to other customers of the credit reporting agencies.
    • The credit reporting agencies of the Adviser, the Lender and the Recipients to provide information about my default in any payment obligations to other customers of the credit reporting agencies.
  • I/We confirm:(Choose one Option Below)
    • that the information contained in this application is true and correct
    • I/we will meet legal and valuation costs
  • DD slash MM slash YYYY
  • DD slash MM slash YYYY
  • Select the Name of your Mortgage Adviser.
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