Emerald Lending Collective Client Form

Application Form

(Know Your Client Form)
Credit Representative Details:
Lili Barron
FBAA Full Member
Emerald Lending Collective is a trading name of Barron Advisory Services Pty Ltd. Authorised Credit Representative: 57641 of Regional Finance Solutions Pty Ltd Australian Credit Licence: 484980

Address:

6 Pillapai St

Charlestown NSW 2290

M: 0407 704 898

E: emeraldlendingcollective@pm.me

W: www.emeraldlendingcollective.com
Applicant Full Name:
Date:

MonthDayYear
This document is divided into five parts:

Part 1 – Personal Details
Part 2 – Financial Position
Part 3 – Loan Objectives and Purchase Details
Part 4 – Privacy Disclosure Statement & Consent
Part 5 – Applicant(s) Execution
IMPORTANT: This document is valid for a period of 90 days from the date of original completion. Should your circumstances change significantly before the expiration of this period, please contact us so that we can review your position.

Part 1: Personal Details

Applicant (1)
YesNo
YesNo
Application 1: Title
Full Name

First NameMiddle NameLast Name
Date of Birth

DayMonthYear
Date
Place of Birth
Marital Status
Applicant (1)Applicant (2)
Home Phone
Format: (00) 0000-0000.
Work Phone
Format: (00) 0000-0000.
Mobile
Format: 0000-000-000.
Email
example@example.com
Residential Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Residential Status
Time at current address
Previous Residential Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Time at current address
Please provide additional information for 3 years total of address history
Mother's maiden name
Age of Dependants/Children
Drivers Licence Number
Drivers Licence Expiry

DayMonthYear
Date
Contact Details for nearest relative not living with you
Full Name:

First NameLast Name
Current Residential Address:

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Contact Number:
Please enter a valid phone number.Format: 0000000000.
Relationship to you:

Employment details:

Applicant (1)
Employment Type:
Employer
Occupation
Employer Contact name
Phone Number

Area CodePhone Number
Expected age of retirement
Current Employer's Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Start Date

DayMonthYear
Finish Date

DayMonthYear
Leave blank if still employed
Previous Employment Details

(only required if in Current Role for less than 3 years)
Employment Type:
Employer
Occupation
Employer Contact name
Phone Number

Area CodePhone Number
Please provide additional information to total 3 years employment
Previous Employer's Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Start Date

DayMonthYear
Finish Date

DayMonthYear

Part 2 - Financial Position

Applicant (1)
Assets

Please list all properties owned by the applicant(s). Include those to be used as security.
1234Other (please specify)
Property 1 - Address

Rows	Estimated Property Value ($)	Annual Rental Income ($)
1

Property 2 - Address

Rows	Estimated Property Value ($)	Annual Rental Income ($)
1

Property 3 - Address

Rows	Estimated Property Value ($)	Annual Rental Income ($)
1

Property 4 - Address

Rows	Estimated Property Value ($)	Annual Rental Income ($)
1

Expenditure:
IMPORTANT NOTES
- Please be as specific, accurate and detailed as possible.
- All lenders are scrutinising expenditure to a much greater degree than we have ever encountered before.
- We appreciate this may seem tedious and invasive, however in our experience, the more information we supply to lenders in this regard, the more favorably they will assess an application.

General Living Expenses:

Rows	Monthly Amount ($)
Owner Occupied property expenses (Rates/body corporate/water/electricity/gas/garden service)
Investment property expenses (Rates/body corporate/gas/electricity/water/garden services)
Groceries (food/tolietries)
Connectivity (Home phone/internet/mobile phones/pay TV/ streaming/subscriptions)
Transport (Public transport/car fuel/serivcing/parking/tolls)
Entertainment (Restaurants/alcohol/gambling/tobacco/membership fees/shows/sports events)
Insurance (Health/life/income protection/home and contents/car)
Medical (Doctor/dental/optical/chemist)
Education (Public and private tution fees/books/uniforms/extra currilcular activites)
Child Care (Kinder/crèche/carer)
Personal Care (Clothing/footwear/cosmetics/grooming)
Child Support: Please indicate if court ordered /compulsory/ voluntary (above required level)
Other (any other expenses which are not listed)

YesNo
YesNo
If yes to any of the above, please provide detail:
Significant Changes in the Future:
Do you know of any foreseeable significant changes to your circumstances that will lead to changes in your ability to make contracted repayments? Provide details.
Temporary change in income
Permanent change in income
Anticipated large expenditure
How will this change be overcome? Example: By additional income? Savings? Reducing expenditure? I cannot overcome this change?
Is there anything else that may reasonably be expected to have a bearing on your application for credit, knowing that if you leave such information out it may create problems in the future? Are you comfortable with your ability to make repayment under the proposed loan without difficulty? Please specify:

Part 4: PRIVACY POLICY
Purpose of This Policy
This Privacy Policy explains how we collect, use, store and disclose personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), the National Consumer Credit Protection Act 2009 (NCCP), Anti-Money Laundering and Counter-Terrorism Financing laws and the Notifiable Data Breaches (NDB) Scheme.

This policy applies to clients, prospective clients, website visitors, referrers, and any person who interacts with us.
Types of Personal Information We Collect
Contact & Identity Information
Full Name
Residential and postal address
Date and place of birth
Email address and phone number
Identification information (Driver licence, Passport, Medicare, etc.)
Tax residency details
Financial & Credit Information

Employment and Income details
Payslips, tax returns, BAS statement
Bank statements
Assets and liabilities
Expenditure details
Superannuation details
Existing credit facilities
Credit history and credit score information

Credit Reporting Information:
With your consent, we may obtain consumer and commercial credit reports from a Credit Reporting Body (CRB), including repayment history information and default information.

Website & Digital Information:
IP address
Device and browser information
Pages viewed and time spen
Form submissions
Cookies and tracking data

We do not intentionally collect sensitive information unless required by law or voluntarily provided.
Why We Collect Your Information
We collect personal information to:

Assess your credit needs and objectives
Make reasonable inquiries about your financial circumstances
Provide credit assistance
Prepare and lodge loan applications
Obtain credit reports (with consent)
Verify identity (AML/KYC)
Meet legal and regulatory obligations
Communicate with lenders and related parties
Provide marketing communications where permitted

If required information is not provided, we may be unable to provide credit assistance.
How We Collect Information
We collect information directly from you via application forms, meetings, phone calls, emails, and website forms. We may also collect information from lenders, mortgage insurers, credit reporting bodies (with consent), identification verification services, and authorised third parties.
Credit Reporting Body Consent & Authority
By signing our credit application documents, you may authorise us to obtain consumer and commercial credit information from a Credit Reporting Body and appoint us as your agent for this purpose. If you do not provide consent, we may be unable to provide credit assistance.
Disclosure of Personal Information
We may disclose your personal information to:

Regional Finance Solutions Pty Ltd (ACL holder)
Lenders and financial institutions
Mortgage insurers
Credit reporting bodies
Aggregators and compliance platforms
Valuers and legal representatives
Technology providers (CRM, cloud storage)
Regulatory bodies including ASIC, AUSTRAC and OAIC
AFCA where required

We do not sell personal information.
Overseas Disclosure
Some third-party technology providers may store data overseas. We take reasonable steps to ensure privacy protections align with Australian standards.
Cookies & Website Analytics
Our website may use cookies and tracking technologies to improve functionality, analyse traffic, and assist with remarketing. You may disable cookies via your browser settings.
Direct Marketing
We may contact you about finance products or services that may be relevant to you. You may opt out at any time by clicking unsubscribe or contacting us directly.
Data Security & Notifiable Data Breaches
We take reasonable steps to protect your information through secure systems, encryption, and restricted access.

If we suspect an eligible data breach that may cause serious harm, we will assess the breach within 30 days and notify the Office of the Australian Information Commissioner (OAIC) and affected individuals where required.
Access and Correction
You may request access to or correction of your personal information. Requests must be made in writing, and proof of identity may be required.
Retention of Personal Information
We retain personal information as required to provide credit assistance and comply with legal obligations. When no longer required, information will be securely destroyed or de-identified.
Complaints
If you have a complaint regarding privacy, please contact Emerald Lending Collective.

If unresolved, you may contact:

Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au
Phone: 1300 363 992

For credit assistance complaints:
Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678
Changes to This Policy
We may update this Privacy Policy from time to time. The latest version will be available on our website.
Contact Us
For questions about this Privacy Policy or to request access to information, please contact:

Emerald Lending Collective
Email: emeralddlendingcollective@pm.me
Phone: 0407 704 898
Privacy & Credit Consent
I/We consent to the collection, use and disclosure of my/our personal and credit-related information for the purposes of assessing my/our application, arranging or referring finance (including with lenders operating within or outside the National Consumer Credit Protection framework), administering any approved credit, complying with legal obligations, and disclosing information to credit reporting bodies, funders, valuers, solicitors, accountants, insurers and service providers where reasonably necessary.
APPLICANT 1
Print Name
Signature
Date

DayMonthYear

Adding Another Applicant?
YesNo
Share these links with additional applicants:
Application Reference ID

Rows	Bank Name	BSB & Account Number	Balance ($)
1
2
3
4

Rows	Estimated Value ($)	Name / Details
Superannuation
Home & Contents
Motor Vehicle 1:
Motor Vehicle 2:
Share Investments
Gift
Other:
Other:

Rows	Full Address of Property	Current Lender	Current Loan Balance ($)	Yes to be Paid in Full
1
2
3
4

Rows	Financial Institurion Name	Current Loan Balance ($)	Monthly Repayment ($)	Yes to be Paid in Full
1
2
3
4

Rows	Card Type	Financial Institution	Credit Card Limit ($)	Credit Card Balance ($)	Yes to be Paid in Full
1
2
3

Application Form

Credit Representative Details:

Part 1: Personal Details

Contact Details for nearest relative not living with you

Employment details:

Previous Employment Details

Current Income Position

Part 2 - Financial Position

Assets

Liabilities

Expenditure:

Significant Changes in the Future:

Part 3: Loan Objectives and Purchase Details

Security Address (if known)

Security to be provided by you:

Contact for Valuer Access

Solicitor/Conveyancer Details

Loan Preferences

Insurance

Part 4: PRIVACY POLICY

Purpose of This Policy

Types of Personal Information We Collect

Why We Collect Your Information

How We Collect Information

Credit Reporting Body Consent & Authority

Disclosure of Personal Information

Overseas Disclosure

Cookies & Website Analytics

Direct Marketing

Data Security & Notifiable Data Breaches

Access and Correction

Retention of Personal Information

Complaints

Changes to This Policy

Contact Us

Privacy & Credit Consent

APPLICANT 1

Adding Another Applicant?

Client Supporting Document Checklist