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ANZ Loan Application Form

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ANZ Personal Loan Application

Loan Details

How much do you wish to borrow? $

How are Funds required? Separate/new loan Add to existing loan

Term of loan: yrs

Loan purpose:

Applicant Details - Customer 1

Title:

First name(s):

Family name:

Current residential address:

Time there:

Phone: Home

Mobile:

Fax: Home

Phone: Business

Fax: Business

E-mail:

Date of birth: Gender: M F

Permanent Resident of New Zealand? Yes No

If no, do you have a work permit? Yes No

Previous address: (if above is less than 2 years)

Time there:

Current occupation:

Employer:

Employer address:

Employment type: Full-time Part-time Casual Temporary Self employed Unemployed Contract

Period Employed:

Previous Employer:

Previous Employer address:

Period Employed:

Marital status: Single Married Separated Divorced Defacto Widowed

Number of dependants: (living with you) Age(s):

Do you: Own (freehold) Rent Live with Parents/Family Own (mortgage) Other Board

Applicant Details - Customer 2 (for joint loans)

Title:

First name(s):

Family name:

Current residential address:

Time there:

Phone: Home

Mobile:

Fax: Home

Phone: Business

Fax: Business

E-mail:

Date of birth: Gender: M F

Permanent Resident of New Zealand? Yes No

If no, do you have a work permit? Yes No

Previous address: (if above is less than 2 years)

Time there:

Current occupation:

Employer:

Employer address:

Employment type: Full-time Part-time Casual Temporary Self employed Unemployed Contract

Period Employed:

Previous Employer:

Previous Employer address:

Period Employed:

Marital status: Single Married Separated Divorced Defacto Widowed

Number of dependants: (living with you) Age(s):

Do you: Own (freehold) Rent Live with Parents/Family Own (mortgage) Other Board

Statement of Position

Assets (what you own)

Deposits/Investments – with ANZ: $

Other: $

Number of Motor Vehicles:

State CC rating: 4WD Tick if yes Value: $

State CC rating: 4WD Tick if yes Value: $

Real Estate Owned: $

Life Insurance/Superannuation: (Surrender Value Only) $

Other Assets: (specify – excluding personal and household effects)

Total Assets: $

Less Total Liabilities: $

Surplus: $

Liabilities (what you owe)

ANZ Overdrafts: Limit $ $

Other Institutions Overdrafts: Limit $ $

Current ANZ Loans: Limit $ $

Other Institutions Loans: Limit $ $

HP’s /Lease payments: Limit $ $

ANZ Credit Cards: Limit $ $

Other Credit Cards: (incl store cards) Limit $ $

Number of Credit/Store cards:

Other Debts: (specify eg Student/Family Loans, tax, etc) Limit $ $

Total Liabilities: $

Proposed Monthly Budget

Note: Self employed persons need to enclose a copy of their last 2 years Balance Sheets/Annual Accounts and Profit and Loss Accounts, (if not already held by ANZ). All income, employment, deposits and liabilities must be verified by the Sales Officer completing the sale.

Monthly Income

Please remember to convert income to a monthly amount, ie:

> divide annual/yearly income by 12

> multiply weekly income by 52 then divide by 12

> multiply fortnightly income by 26 then divide by 12

Customer 1      Customer 2

Gross Salary/Wages: (before tax, complete in all cases)

Net Salary/Wages: (after tax)

Secondary Employment Income:

Gross Rental Income: (100%)

Net Benefit/Pension:

Other regular net Income:

Total Net Monthly Income:

Less Total Monthly Expenses:

Uncommitted Monthly Income:

Monthly Expenses

Proposed payments of this Loan:

Other Loans – ANZ:

Loans at other Institutions:

ANZ Overdrafts: Limit

Overdrafts at other Institutions: Limit

Credit Cards: (Inc store cards) Limit

Hire Purchase/Lease Payments:

Rent/Board:

Child Care/Child Support/Liable Parent Contribution:

Rates–Council: (inc house insurance)

Electricity/Gas/Phone:

Car expenses: (registration, insurance and running costs)

Education expenses: (including student loan repayments)

Living expenses: (eg food, entertainment etc)

Insurance: (life/medical)

Superannuation/retirement savings:

Other expenses: (family loan, tax etc)

specify:

Total Net Monthly Expenses:

Guarantor Details

Are you acting as a guarantor for a loan taken out by someone else? Yes No

Name of Debtor and Bank or Institution where debt is held:

Amount: $

ANZ Cover “What If” Insurance Protection

ANZ Cover is a range of insurance products that can be tailored to protect you and your dependent(s) from the financial effects of life's unexpected events.

If you’re using your personal loan for a new purchase, do you have current insurance protection for that purchase? Yes No

Would you like to discuss what ANZ Cover can offer you for:

ANZ Cover House Protection, ANZ Cover Contents Protection or Motor Vehicle Fire, Theft and Accident Insurance. Yes No

ANZ Cover Loan Protection Insurance

If you would like to apply for ANZ Cover Loan Protection Insurance please read and accept the customer authority/declaration below, and then fill out this section with the assistance of an ANZ sales representative.

Option 1 Disability, Redundancy and Life Cover Premium $ Total mthly loan repayment: (including insurance) $

or

Option 2 Disability and Life Cover Premium $ Total mthly loan repayment: (including insurance) $

Joint cover (for joint personal loan applications)

Single cover (for sole personal loan applications)

Customer Authority/Declaration

The information received from you will be securely held by ANZ Banking Group (New Zealand) Limited (‘ANZ’) and, if you have applied for ANZ Cover Loan Protection Insurance, ANZ Life Assurance Company Limited (‘ANZ Life’) and Royal Sun Alliance Insurance (New Zealand) Limited (‘R&SA’). You may request access to the information by enquiring at any ANZ branch, and you may also request that it is corrected. A fee may be payable.

The information will be used to consider your application for financial facilities and (if applicable) for ANZ Cover Loan Protection Insurance, and to administer the same and any banking facilities. It may also be used to provide you with information from time to time on opportunities for further products and services (delete if inappropriate).

ANZ may disclose information about you to credit reference agencies, debt collection agencies and other ANZ Group Companies for the above purposes, including details of any defaults in payments or repayments of your financial facilities.

ANZ may obtain information and make such enquiries about you as ANZ may consider warranted from any source, including credit reference agencies, and other ANZ Group Companies, for the above purposes.

I/We declare and agree that:

1. The information above shall be the basis of the agreement between me/us and ANZ and, if I/we have applied for ANZ Cover Loan Protection Insurance, ANZ Life and R&SA.

2. The particulars and answers given above are in every aspect correct and there is no further information likely to affect the acceptance of this personal loan application or, if I/we have applied for ANZ Cover Loan Protection Insurance, this insurance application. I/we accept that if I/we fail to comply with my/our duty of disclosure that I/we may be refused payment of any benefits under any insurance contract.

3. If I applied for ANZ Cover Loan Protection Insurance, a copy of the ANZ Cover Loan Protection Insurance terms and conditions has been handed to me prior to my/our making this application, and I/we have read, understood and accepted them. I/we declare that I am/we are in good health and are unaware of any illness, disease or physical defect which could result in a claim against the insurance and understand that pre-existing medical conditions or defects are not covered by the policy.

4. I/we authorise ANZ to add the insurance premium (specified above) to the total amount borrowed under my/our personal loan for the purposes of calculating monthly loan repayments and to debit them from the appropriate funding account.

5. I/we understand that my/our application for ANZ Cover Loan Protection Insurance cover, if accepted by the underwriters, will provide me/us with cover commencing from the date on which my/our personal loan is first drawn down.

6. I/WE CERTIFY THAT THE INFORMATION ON THIS APPLICATION IS TRUE AND CORRECT.

7. I/WE CERTIFY THAT I/WE HAVE REACHED 18 YEARS OF AGE, AM/ARE NOT (AN) UNDISCHARGED BANKRUPT(S) AND AM/ARE NOT LIABLE UNDER ANY PROCEEDINGS UNDER THE INSOLVENCY ACT 1976 (AS AMENDED).

Signature of Customer 1: X

Date:

Signature of Customer 2: X

Date:

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What the ANZ Loan Application Form Is

The ANZ Loan Application Form is a standardized document used to request personal, business, or mortgage financing from ANZ. It collects borrower identification, financial statements, employment and income details, loan amount and purpose, collateral descriptions, and authorizations for credit checks. Lenders use the completed form to assess creditworthiness, verify documentation, and structure loan terms. When submitted alongside required supporting documents, the form becomes the starting point for underwriting, disclosure delivery, and loan closing processes, and it may be retained as part of the final loan file.

Why a Complete ANZ Loan Application Form Matters

Using a complete ANZ Loan Application Form standardizes underwriting data, reduces follow-up requests, and documents borrower consent for credit and asset verification. Accurate forms accelerate processing and help ensure disclosure and compliance obligations are met.

Why a Complete ANZ Loan Application Form Matters

Who Completes and Reviews This Form

Typical users who complete or handle the ANZ Loan Application Form include borrowers, loan officers, and document processors.

  • Individual borrowers: provide personal data, income proof, and identification documents for underwriting.
  • Business applicants: include company financials, ownership details, and authorizing signatories.
  • Loan officers: verify entries, order credit reports, and coordinate disclosures and closing.

Support roles such as underwriters, compliance staff, and closing agents review the form to finalize approval and funding.

Step-by-Step: Complete and Submit the Form

Follow these steps to complete and submit the ANZ Loan Application Form accurately online or in person.

  • 01
    Gather Documents: Collect IDs, income proof, bank statements, and credit authorizations.
  • 02
    Complete Form: Enter borrower and loan details, double-check numeric fields.
  • 03
    Attach Support: Upload pay stubs, tax returns, and collateral records.
  • 04
    Submit & Verify: Sign, submit, and confirm receipt with the lender or portal.

How the eSubmission Process Works

A typical e-submission flow for the ANZ Loan Application Form from preparation through receipt and audit tracking.

  • Upload Document: Add the completed PDF or fillable form to the signing platform.
  • Place Fields: Define signature, initial, and data fields for each signer.
  • Choose Authentication: Select email, SMS, or knowledge-based verification as required.
  • Track & Store: Capture audit trail and store signed record securely with export options.

Configure an Online Workflow for the Form

Configure the online workflow to match lender requirements, including signer order and field validation rules.

Field Configuration
Signer Order Sequentially route signatures in lender-defined order; choose parallel for simultaneous signing.
Field Validation Require numeric formats, enforce MM/DD/YYYY, and set mandatory fields to avoid incomplete submissions.
Authentication Configure email OTPs, SMS codes, or stronger KBA/ID checks for high-value loans.
Notifications Send status updates to applicants and internal teams at each milestone.
Document Retention Define storage duration, export formats, and access controls for signed records.

Platform Requirements for Secure eSigning

Use a compliant eSignature platform that supports secure authentication, audit trails, and exportable signed PDFs.

  • File Formats: Accepts PDF, DOCX, and Excel formats.
  • Integrations: Connects with Salesforce, NetSuite, Google Workspace.
  • Compliance: Supports ESIGN, UETA, HIPAA (BAA available).

eSignature Pricing and Feature Comparison

Comparison of entry-level eSignature pricing and common feature tiers for signing ANZ Loan Application Form copies or consigning workflows.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial Varies by plan Varies by plan Varies by plan Varies by plan
Bulk Send Yes Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No
Envelope Cap No envelope cap 100 envelopes/user/year Varies by plan Varies by plan Varies by plan

Essential Sections in a Professional Loan Application

Core sections of a professionally prepared ANZ Loan Application Form ensure clear borrower data, financial disclosure, collateral description, legal authorizations, and consent for verification.

Applicant Details

Collect full legal names, date of birth, SSN/TIN, contact information, and residency status. Accurate identity data is required for credit checks and AML screening; mismatches can delay approval.

Financial Statement

Provide assets, liabilities, bank balances, monthly obligations, and cash flow statements. Lenders use these figures to calculate debt-to-income ratios and to underwrite loan affordability and terms.

Loan Terms

Specify requested amount, desired term, interest type (fixed/variable), amortization schedule, and repayment frequency. Clear terms reduce misunderstanding during underwriting and loan disclosure preparation and closing coordination.

Collateral

Describe assets offered as security, including legal descriptions, VINs, or account details. Include valuation support and insurance information where applicable to expedite collateral review and documentation.

Authorizations

Obtain borrower consent for credit reports, asset verification, and third-party data pulls. Explicit authorization language helps meet ESIGN and consumer consent standards for electronic processing.

Declarations

Include certifications about pending judgments, bankruptcies, related-party transactions, and material changes. Accurate declarations prevent post-closing disputes and inform appropriate loan covenants and regulatory reporting where required.

Required Data Elements on the Form

Personal ID: Government ID number, DOB, and contact.
Tax ID: SSN or EIN for tax reporting.
Income Proof: Recent pay stubs, tax returns, or bank statements.
Employment Info: Employer name, address, and phone.
Collateral Info: Legal description, value, and insurance details.
Consent Authorizations: Credit pull consent and data-sharing permissions.

Penalties and Risks from Errors or Omissions

Incorrect TIN: Triggers backup withholding at 24%.
Missing Signature: May void execution or delay funding.
False Statements: Civil/criminal liability risk and rescission.
Incomplete Support: Underwriting delays or application denial.
Notarization Omitted: Invalidated collateral acknowledgements in some states.
Data Privacy: HIPAA or GLBA exposure for medical/financial data.

Common Preparation Challenges to Avoid

  • Unclear income documentation leads to repeated lender requests and delays, increasing processing time and potentially affecting interest terms or approval conditions.
  • Inconsistent names between ID, tax records, and account documents often trigger manual verification and additional identity checks that slow funding timelines.
  • Submitting unsigned pages or missing initials on multi-page forms can cause full application rework and missed filing deadlines with significant operational impact.
  • Using noncompliant eSignature methods without consumer disclosure may invalidate consent for consumer financial transactions under ESIGN requirements.

Key Timelines and Processing Expectations

Common timing expectations for submitting and processing the ANZ Loan Application Form and associated disclosures.

Application Submission Window:

Provide complete application to avoid rework; lenders may set 30-day validity.

Loan Estimate Delivery:

Lender must provide Loan Estimate within three business days after application.

Rate Lock Period:

Lock terms vary; confirm expiration to avoid rate changes before closing.

Closing Timeline:

Typical closing occurs 30–60 days after application, subject to underwriting.

Document Retention Start:

Retention begins on execution date and may be required for several years.

Supporting Documents to Include at Submission

Supporting documents commonly paired with the ANZ Loan Application Form improve verification and speed decisioning when attached at submission by lenders.

Pay Stubs

Attach the last two to three pay stubs showing year-to-date income. Lenders often require employer contact information to confirm employment and payment history and verify income stability.

Tax Returns

Provide signed federal tax returns for the previous two years for self-employed applicants. Underwriters use Schedule C or K-1 details to establish business income accurately.

Bank Statements

Include two to three months of statements for all accounts used for reserves or income deposits. Lenders check cash flows, large deposits, and account ownership.

Property Docs

For secured loans, submit purchase contracts, property appraisals, titles, or vehicle registrations. Clear legal descriptions and insurance evidence speed collateral underwriting and proof of lien release history.

Real-World Examples of Form Use

Representative examples show how different borrowers and lenders use the ANZ Loan Application Form in practice.

Small Business Loan

A growing retail owner completed the ANZ Loan Application Form to apply for working capital and equipment financing for expansion.

  • Provided two years of tax returns and a business plan.
  • Underwriters reviewed the consolidated documentation, confirmed revenues, and structured a term loan with a draw schedule tied to equipment delivery. Accurate initial disclosures reduced follow-up and shortened approval by several business days.

Mortgage Refinance

A homeowner used the ANZ Loan Application Form to refinance a mortgage, submitting appraisal and two months of bank statements for income verification.

  • Secured a lower interest rate after underwriting.
  • Clear property documentation and timely signatures enabled the lender to issue loan disclosures quickly, meet TRID timelines, and close within the anticipated window. Electronic signatures reduced courier time and improved traceability of approvals.

Frequently Asked Questions

Answers to frequent questions about completing, signing, and submitting the ANZ Loan Application Form, including electronic submission concerns.


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