You can complete the application form we emailed to you, on screen (then save as) or print and complete by hand
PERSONAL DETAILS OF APPLICANT 1 & 2
Surname: as it appears on your photo ID.
First
& Middle Names: your
full name including any middle names this needs to match exactly to your
photo ID ie. passport.
Date of Birth: as it appears on your photo ID.
Country
of Birth: as it appears on your passport ID.
NZ
Residency: do you have New Zealand residency?
Martial Status: what type of relationship are you in?
Smoker? if you have smoked cigarettes in the last 12 months either socially or occasionally. (this is for life insurance purposes.)
Age of Dependents: list your dependent children (under 18 years old) living with you.
Current
Residential Address: current address you reside.
Postal
Address: if you wish your mail to go to another address eg a
PO Box, insert here.
Time There: how long have you live there in years/months? If less than 3 years we require your previous address.
Previous
address: insert previous address and
how long did you live there in years/months?
Are
you currently? Renting at your address above, Boarding
Living in own your home or Other.
Home/Business/Mobile/Email: insert your contact details.
EMPLOYMENT
Main Source of Income: tick in box your main source of income. If Other; state type of income eg. NZ Super, Benefit
Occupation: what is your current job title; generally this can be found on your payslip, if PAYE.
Employer/Business Name: insert your employers company name and details. If self-employed; your company name etc.
Type of Business: what industry is your employer's business details. If self-employed; your industry etc.
How Long?: how long have your been with this employer in years / months. If self-employed, how long have you been self-employed?
Gross Income $: what is your annual gross income before tax.
If less than 3 years - prior to that: please insert your employers details and occupation. If self-employed your company name etc. How long were you with this company? If self-employed, how long were you self-employed?
PROPOSED MONTHLY INCOME & EXPENDITURE
INCOME
Salary / Wage: insert your annual gross income per year (before income
tax). (We will calculate your monthly net income)
Business:insert your Self-Employed income Net Profit (before tax).
Benefits: insert your WINZ benefit as a net monthly amount. Include any Family Tax Credits as a net monthly amount.
Interest/Dividends: insert your gross weekly income from dividends from shares in public company (per year) and/or interest from term deposits and/or PIE investments (per year).
Other: Value of Fringe Benefits: list any non taxable allowance, car allowance, mobile allowance, accommodation allowance.
Rental (as below): see below insert address of rental property and exisitng your gross weekly rental income from rental property(ies)
Boarder / Flatmate: insert the income your receive from flatmates or boarders or international student.
RENTAL INCOME
1. Address: insert address of rental property and exisitng your gross weekly rental income from rental property(ies)
EXPENSES
Rental Property Mortgages
Other Mortgage payments
- ADVOCO will complete the mortgage section for you -
Student loans: insert your name and the amount owing on your student loan.
Hire purchase: list any hire purchase lender's name, whether interest free or not.
Other loans: list any other loans and lender's name.
Credit Cards: list limit on credit card and tick if you pay the credit card off in full each month. Whether you use the credit card or not.
Store Cards: list limit on credit card. Whether you use the credit card or not.
Child Support/Child Care: if you pay child support insert amount each month here. Or pay for child care insert amount each month here.
Rent to pay ($ per week): if you will continue to pay rent insert weekly amount here.
Compulsory Superannuation: ADVOCO will complete this section
- ADVOCO will complete the PLUS EXPENSES section for you -
You do not need to add the totals we will do this for you.
ASSETS:
Main Bank / branch: What bank do you hold your main accounts with.
Money @ Bank/Other: Cash (all bank accounts): list all cash either in bank account on term deposit, PIE accounts, deposits paid on property to Real Estate agent company.
Property
- Family Home: full address of property you own and
current rateable value or registered value.
Other Properties: full address of investment property
and current rateable value or registered value either residential or
commercial.
Public
Shares: amount of shares and name of public company and current
value.
Vehicle
1: Year,
make and model and current value.
Vehicle 2: Year, make and model and current value.
Vehicle 3: Year, make and model and current value.
Superannuation/KiwiSaver: list
name of provider and amount of funds in KiwiSaver including
government contributions.
(SV) Surrender Value: insert
SV amount here.
Life Insurance: insert the name and amount of life assured, if no (SV) Surrender Value leave blank. (Term Life cover has no surrender value.)
Business Value (net): list value of business including fixed assets. General rule of thumb is 2 x Net Profit plus fixed assets.
Boat/Caravan: insert value of your boat or caravan.
Other: list any other valuable asset eg intellectual property, loans from you to a third party, shares in private company.
Furniture
& Personal Effects: insert
value of your contents insurance.
You do
not need to add the totals we will do this for you.
LIABILITIES:
Overdraft: name of bank, limit
on overdraft and current amount owing.
Mortgages - residential: name of bank / lender and total of all mortgage balances including any Line of Credit limits whether used or not.
Mortgages -
investment: name of bank
/ lender and total of all mortgage
balances including any Line
of Credit
limits whether used or not.
Personal Loans: insert name of bank/lender and include any loans
owed to a bank or finance company or family members or friends whether making
regular
payments
or not. eg. GE Money or finance company also include car loans eg.
MTF and
/or personal loans eg. ASB
Hire Purchase: include ALL loans, the name of the lender and total amount owing
Credit / Store / Charge Cards: include ALL, the card issuer, eg. Bank issued, Farmers card, Q Card, GE Credit Line, Warehouse card, include limit on the card and current balance whether you use or have used the card or not. If you pay in full each month tick box.
Student
Loan: insert name and amount owing on student loan - if more
than one loan list separately and amount owing.
Other: any other loans (not including bills); including
repayment for outstanding debts to Dun and Bradstreet or Veda, Baycorp or
utilities
company or direct sales company. Or Business debt: include
any business debt even if interest
is being paid from the business
profit and loss account or Commercial
Loan: include
the lender on any commercial property
loans and amount owing.
You do not need to add the totals we will do this for you.
Please Note: It is a requirement of the application to disclose all assets and liabilities - failure to do so may result in a decline by a bank or lender. This includes any loan arrears or Property Law Act notice.
Are you guaranteeing a loan for any other persons? If Yes, provide full details; who the loan is guarantor for, the lender and amount owing.
Privacy Declaration and Client Declaration: please read and if acceptable sign in full signature as it appears on your photo ID, date as at date of signing.
Privacy Waiver: please read and if acceptable sign with full signature as it appears on your photo ID with full name and date as at date of signing.
Tick the appropriate boxes: I/We confirm that; (Delete those not applicable)
The Application Form requires the following Supporting Documents ( * mandatory requirement )
Photo
Identification * (copy
of valid Passport or drivers licence or firearms licence)
A
copy of valid NZ Passport or International
Passport or NZ Driver Licence or NZ
Firearms Licence. Passport is preferred.
The
Anti-Money Laundering and Countering Financing of Terrorism Act 2009 (AML/CFT
Act) requires photo ID to be verified and valid and mortgage
documents must match valid photo ID.This needs to be certified by Mortgage Adviser/Bank/Lawyer
before settlement.
Proof of New Zealand Residency (if
not a NZ Citizen)
Current
valid Residence Permit issued by New Zealand government.
Income confirmation *
3
(three) consecutive payslip's showing name
and dates of
pay cycle or employer letter
on company letterhead or IRD Certificate of Earnings
from IRD. ^For
self-employed YE 2013 & 2014 Full set of Financial Accounts. (see
below)
Full 3
(three) months bank statements * of
transactional account showing income crediting account.
Copies
of original bank statements showing name of account and income crediting account or print
outs from internet banking showing name of account and
running balance. (Excel CSV. downloads are not acceptable) The
bank statements must show income going into the
account - if you transfer funds to another account then provide 3 months
of that account. Also any accounts with Overdrafts.
Document showing
evidence of your current residential address *.
Local
authority rates notice or utility bill or bank
statement or current vehicle registration or government
agency statement.
The Anti-Money Laundering and Countering Financing
of Terrorism Act 2009 (AML/CFT Act) requires your address to be verified using
acceptable documents this needs to be certified by Mortgage Adviser/Bank/Lawyer
before settlement.
Evidence of Deposit * or Gift
Certificate or KiwiSaver Statement.
Bank
statement showing cash deposit or signed, dated and
accepted Agreement of Sale and Purchase of Real Estate for sale existing property(ies) or Gift
Certificate prepared by lawyer or Deed of Acknowledgement
of Debt prepared by lawyer or KiwiSaver
statement showing current balance.
Evidence of 5%
Saved Deposit (first
home buyers)
6
(six) months saving history showing regular deposits crediting account.
Signed
and accepted Sale & Purchase Agreement (if
available)
Signed
and dated Agreement for Sale and Purchase of Real Estate.
Current Registered
Valuation dated less that 3
months old (if
available)
Registered
Valuation by valuer acceptable to the bank dated less than 3 months from application.
If you do not have a current Valuation then we
will arrange the Valuation through Property IQ, if required . This is a new
requirement
from
all the banks.
Full
6 months mortgage repayment history (if
refinancing)
Full
6 (six) months repayment history on all mortgage accounts including Line of
Credit
accounts - these mortgage/bank statements must show the
running balance of your mortgage balance.
Latest Council
Rates notice (if
refinancing)
Local
authority rates invoice showing rate payments.
Current house
insurance policy showing lender
as interested party (if
refinancing)
Current
house insurance policy showing current lender as interested party.
^ Year
End 2013 & Year End 2014 - Full Financial Accounts signed
by Directors (only
if self employed)
Year
End 2013 and 2014 Full Financial accounts prepared by Accountant showing Profit
and Loss Account, Balance Sheet and Shareholder Equity and Deprecation
Schedule - must be signed and dated by Directors of company.
Tenancy
agreement or Rental assessment (if
property is tenanted or if purchasing a rental / investment property)
Current
up to date Tenancy Agreement showing current rent and signed by tenant and
landlord or rental assessment by
Property Management company or Property
Manager statements showing rent paid to account or rental
assessment by Real Estate Agent showing market rent.
Trust
Deed - (if
the property is owned by a Trust or is to be purchased by a Trust)
Full
copy of Trust Deed showing Trustees and Independent Trustees signed and
dated or Trustee Certificate.
AML/CFT (Anti-Money
Laundering and Countering Financing of Terrorism Act 2009) requirements
will apply.
Certificate
of Incorporation - (if
the property is owned by a company or is to be purchased by a company)
Copy
of Certificate of Incorporation showing company status as registered.
AML/CFT (Anti-Money Laundering and Countering Financing
of Terrorism Act 2009) requirements will apply.
Your
application form is now complete please scan the Application Form and Supporting
Documents and email as a .PDF file to info@advoco.co.nz
or fax to 09-353 1942
If you require any further assistance, please do not hesitate to call Steve
McGowan on phone 0800 ADVOCO or 0800
238 626.
Throughout
the last 8 years he has been there to give good advice and always keeps
in touch which just goes to show that signing an agreement with Steve is
just the beginning not the end of his service to his clients. 
-
Jason & Marlene
I
have never met a person who gives so much of his personal time to make
sure you get what you want when you want it. He worked tirelessly after hours
to help my son & daughter secure the business they wanted...
-
Ira Rawiri
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