Please note that an application should only be completed once a contract has

been ordered.

Dear Sir / Madam,

Please find the attached Meriton Vendor Finance application form to be printed and a
Credit Guide for you to keep.

For more information on Meriton Vendor Finance product, please go to

https://www.meriton.com.au/services/finance-services/

The application form must be completed in ENGLISH and signed by applicant(s)

and all supporting documents must be supplied. For Legal Purposes please have
your documents printed on single sided papers.

Note: Sales Person/Agents are not allowed to fill out the form on behalf of the clients.

AN ENGLISH TRANSLATION MUST accompany ALL FOREIGN DOCUMENTS

* Must state if the property is for:

Owner Occupation – applicants must supply a Statutory Declaration and sign in front
of the solicitor, the notary department or Justice of peace (in Australia). Please indicate
the reason why the property is for owner-occupied, if applicants are purely overseas
buyers, you will need to state the name of the person who will occupy the property.

Or

Investment purposes, if the loan is approved as an investor, Meriton Property Services

Pty Ltd (Rental) will manage the property, and it cannot be owner occupied while the
loan is by Meriton Property Finance Pty Ltd.

* Must supply ORIGINAL Certified Copies (certified by Australian Consulate in

China/Indonesia/Japan/other countries or Notary Department of
China/Indonesia/Japan/other countries)

(page 11) Proof of Identification with photo and signature are required for 100 points.
(sign the application the same as your identification)

* For PAYG applicant / Salary

• Must supply Proof of Income as per the supporting documents (page 12), we
need an ORIGINAL Letter of Employment on company letterhead with a
company stamp/seal stating: name, position in the company, years of service
and annual income.

• Must also supply 4 ORIGINAL consecutive current PAYSLIPS with the

corresponding ORIGINAL Bank Statements printed on bank letterhead
showing the salary transactions going through the account
 • Personal Original Tax Statements for the last six months

• Chinese / Other Countries Credit Report

* For a self-employed applicant

• Must supply ORIGINAL company and personal tax statements for recent six
months

• Must supply ORIGINAL company profit & loss statements for last two years with
the company stamp

• Must provide recent four months personal ORIGINAL Bank Statements printed
on bank letterhead showing the income transactions going through the account

• Must provide recent four months company ORIGINAL Bank Statements printed
on bank letterhead showing the business income transactions going through
the bank account

• Copy of certificate of business

• Latest 2 years Company Tax Return

• Latest 2 years Personal Tax Return

• Chinese / Other Countries Credit Report

Complete a Statutory Declaration – “I acknowledge that the Meriton Vendor

Finance loan is only for 2 or 3 years *, I understand that I have to refinance the loan
to another lending company or fully payout the loan at the end of the term to avoid
paying higher interest rates.”

*(please change the number of years depending on the term being offered at the
time of purchase)

* Must supply current 3 months bank statements, showing proof of savings.

* Must provide credit card current six months statements showing the credit limit,
balance and transaction listings (we require this even if the account is paid up to date
each month or NIL balance)

* Must supply a Lease Agreement if renting, stating the weekly or monthly payment.

* Must supply a copy of the full booklet of Certificate of Ownership for the residential
property (showing if the property is fully owned or mortgaged).

* Must provide six months current loan statement if the property is mortgaged.

* Supply personal and car loans statements if you have other loans.
* Statement of Assets & Liabilities (Page 5) must be completed.

* Reference Information (Page 6) Two Referees required for overseas buyers

1.) The referee who lives in Australia – Name, Address, Contact Details and Email
Address

2.) The referee who resides overseas – Name, Address, Contact Details, and Email
Address

* Please make sure (pages 7) Form DDR must be signed and completed with an
AUSTRALIAN BANK ACCOUNT

To use another person‘s account (not the borrower’s), we require the following:

1. Copy of Identification for ______________ (bank account holder) – photo ID with

signature

2. Direct Debit form signed by ____________ and not by yourself, bank holder must
sign the form– see attached new DD Form

3. A signed letter from ___________ authorising that he is letting his bank account
be used for direct debit for your interest mortgage repayments

* Please make sure (page 8 & 10) are all completed and signed by the CLIENTS &
WITNESS (MAKE SURE ALL SIGNATURES ARE THE SAME AS IN THE IDENTIFICATION)

Kindly post the ORIGINAL APPLICATION FORM and SUPPORTING DOCUMENTS

DIRECTLY TO OUR OFFICE with the receipt of the application fee $1500.00

Failure to transfer the application fee will result in the application not being looked at,
this fee will be refunded if the loan is declined. Once the loan is approved, this fee is
no longer refundable.

Meriton Property Finance Pty Limited

Loans Department

Level 11

528 Kent Street

Sydney NSW 2000

AUSTRALIA
Please directly deposit $1500 application fee to Meriton vendor finance account,
details as following:

Bank: ANZ Banking Group

BSB No: 012-003
Account No: 83 604 5073
Account Name: VF Account

Reference: Unit / Block or Address / Surname

Receipt of payment must be emailed to fi[email protected]

Ph: (02) 9287 2515 – Gretchen Van der Slot

Ph: (02) 9287 2501 – Nellie Pezo

Ph: (02) 2987 2569 – Sophie Li

Thank you.

Kind regards,

Meriton Property Finance

Level 11, Meriton Tower, 528 Kent St, Sydney 2000

Tel +61 2 9287 2888 | Fax +61 2 9287 2732

BLANK PAGE
 MERITON
PROPERTY Finance
Application
 PROPERTY Finance Application

APPLICANT(S)

RROWER:

COMPANY NAME:

PROPERTY ADDRESS:

PURCHASE PRICE: $ LOAN REQUIRED: $ LVR:

PURPOSE: Owner Occupier

Investor
Please note that if finance is approved under the investment stream,
Meriton will be the sole property management for the duration of the loan.
Property cannot be owner occupied.

NOTE: APPLICANTS MUST POST A COMPLETED AND SIGNED HARD COPY OF THE LOAN
APPLICATION FORM WITH ALL SUPPORTING DOCUMENTATION TO:

Meriton Tower, Level 11, 528 Kent Street,

Sydney NSW 2000
Tel: (02) 9287 2888 | Fax: (02) 9287 2732
[email protected]

MERITON PRO

1
 APPLICANT 1: DETAILS
Personal
Title Given names include first and middle

Last name

Date of Birth
Australian resident? Yes No Australian Citizen? Yes No
Driver’s Licence number State of issue

Marital Status No. of dependants Age of dependants

Married Divorced De Facto Widowed Single

Contact Meriton requires a minimum of three years residential details

Home address – PO Box not allowed

Suburb/City State Postcode Years lived at home address

Previous home address if at current home for less than 3 years

Suburb/City State Postcode Years lived at home address

Mailing address if not the same as home address State Postcode

Current residential status Other please provide details

Own Mortgage Rent Live with parents

Home phone number Work phone number Mobile phone number

E-mail address

Employment Meriton requires a minimum of three years employment details

Employment type Occupation

Full-time Part-time Casual Self-employed
Current employer if self employed, provide business/trading/company name and ABN Length of employment

Previous employer 1 if current employment if less than 3 years Length of employment

Previous employer 2 if length of employment already provided is less than 3 years Length of employment

Base income gross annual Overtime gross annual Other allowances gross
$ $ $
Other income gross annual provide details e.g. bonuses, veteran’s pension, second job, etc. Rental income weekly
$ $

2
 APPLICANT 2: DETAILS
Personal
Title Given names include first and middle

Last name

Date of Birth
Australian resident? Yes No Australian Citizen? Yes No
Driver’s Licence number State of issue

Marital Status No. of dependants Age of dependants

Married Divorced De Facto Widowed Single

Contact Meriton requires a minimum of three years residential details

Home address – PO Box not allowed

Suburb/City State Postcode Years lived at home address

Previous home address if at current home for less than 3 years

Suburb/City State Postcode Years lived at home address

Mailing address if not the same as home address State Postcode

Current residential status Other please provide details

Own Mortgage Rent Live with parents

Home phone number Work phone number Mobile phone number

E-mail address

Employment Meriton requires a minimum of three years employment details

Employment type Occupation

Full-time Part-time Casual Self-employed
Current employer if self employed, provide business/trading/company name and ABN Length of employment

Previous employer 1 if current employment if less than 3 years Length of employment

Previous employer 2 if length of employment already provided is less than 3 years Length of employment

Base income gross annual Overtime gross annual Other allowances gross
$ $ $
Other income gross annual provide details e.g. bonuses, veteran’s pension, second job, etc. Rental income weekly
$ $

3
 COMPANY / FAMILY TRUSTEE DETAILS if applicable

Details
Company Name ABN/ACN

Principal Place of Business/Administration – PO Box not allowed

Full Address of the Registered Office – PO Box not allowed

Postal Address

Phone Number Fax Number Industry

Business Contact Name Phone Number

Company registered at ASIC as: (select one)

Public Company Proprietary/Private Company

Full Name of each Director of the Company

Director (1) Percentage Shareholding

Director (2) Percentage Shareholding

Director (3) Percentage Shareholding

Director (4) Percentage Shareholding

Director (5) Percentage Shareholding

Director (6) Percentage Shareholding

If Proprietary/Private Company, please provide;

Full Name and Address of the Beneficial Owners*
Full Name (1) Residential Address (1) PO Box not allowed

Full Name (2) Residential Address (2) PO Box not allowed

Full Name (3) Residential Address (3) PO Box not allowed

Full Name (4) Residential Address (4) PO Box not allowed

4
 STATEMENT OF ASSETS & LIABILITIES

CURRENT ASSETS

ASSETS DETAILS VALUE TICK APPLICANTS

What you own

Savings $ App 1 App 2

Other $ App 1 App 2
Owned property 1 $ App 1 App 2
Owned property 2 $ App 1 App 2
Owned property 3 $ App 1 App 2
Motor vehicle 1 $ App 1 App 2
Motor vehicle 2 $ App 1 App 2
Home contents $ App 1 App 2
Super/Life policies $ App 1 App 2
Shares/Investments $ App 1 App 2
Total assets $

CURRENT LIABILITIES

LIABILITIES NAME OF INSTITUTION MONTHLY BALANCE BORROWER

What you owe

Rent $ App 1 App 2

Home loan 1 $ App 1 App 2
Home loan 2 $ App 1 App 2
Home loan 3 $ App 1 App 2
Other loans $ App 1 App 2
Other debts $ App 1 App 2
Credit card 1 Card limit $ App 1 App 2
Credit card 2 Card limit $ App 1 App 2
Credit card 3 Card limit $ App 1 App 2
Store cards Card limit $ App 1 App 2
Total liabilities $

5
 REFERENCE INFORMATION

Nearest Relative or Friend not living with you

Name for REFEREE 1 Phone number

Address not a post office box State Postcode

Email address

Name for REFEREE 2 Phone number

Address not a post office box State Postcode

Email address

* Note for overseas purchasers: Two referees required - 1) Referee who lives in Australia. 2) Referee who resides overseas.

Accountant details if selfemployed/ sub-contractor/

Company name Contact name

Phone number Fax number Email Address

6
 FORM DDR For and behalf of Meriton Property Finance Pty Limited
REQUEST FOR DEBITING AMOUNTS TO ACCOUNTS BY THE DIRECT DEBIT SYSTEM

Date

Insert your name in full I/We

Request you, until further notice in writing, to debit my/our account described in the schedule below, any amounts
which MERITON PROPERTY FINANCE PTY. LIMITED ABN 36 101 180 607 and its transferees and assignees (“the
User”), (User ID number 438-566) may debit or charge me/us through the Direct Debit System.

I/We understand and acknowledge that:

1. The Financial Institution may in its absolute discretion determine the order of priority of payment by it of any
moneys pursuant to this Request or any authority or mandate.

2. The Financial Institution may in its absolute discretion at any time by notice in writing to me/us, terminate this
Request as to future debits.

3. The User and its transferees and assignees may by prior arrangement and advice to me/us vary the amount or
frequency of future debits.

Customer Signature(s)

Customer’s Address

The Schedule
Insert Name of Account which is to be debited

Financial Institution

Address of Institution

BSB Number Account Number

Note: Direct Debiting is not available in the full range of accounts.

If in doubt, please refer to your Financial Institution.

Meriton Property Address:

7
 DECLARATION
YES NO
1. Have you or your spouse ever been declared bankrupt or insolvent, or have you or
your spouse entered into a scheme of arrangement ?

2. Have you or your spouse ever been shareholders or officers in a company of which a
manager, receiver, and / or liquidator has been appointed ?

3. Is there any unsatisfied judgement entered in any court against you, your spouse, or
any company of which either you or your spouse are or were a shareholder or officer ?

4. Have you or your spouse, or any company with which you are or were associated,
ever had a property foreclosed upon or given title or deed in lieu thereof through a
mortgagee sale proceeding ?

5. Do you or your spouse, have any unpaid defaults, either current or within the last 5 years,
listed with the Credit Reference Association ?

I/We have no objections to Meriton passing on, confidentially, such information as is deemed necessary to other

In giving Meriton permission to do this I / We understand that we are under no obligation to accept such offers on
presentation.

I / We, the applicant(s) herein do solemnly declare and affirm that all the contents and information contained within this
application, including supporting documents provided by us has been read and is understood and, that the statements
to any Questions made in this application are true and correct in every particular, and I / We make this solemn
declaration conscientiously believing the same to be true and correct by virtue of the provisions of the Oaths Act 1900.

X X
Signed (1st Applicant) Dated Signed (2nd Applicant) Dated

X X
Signed (Witness) Dated Signed (Witness) Dated

Name of Witness Name of Witness

Address of Witness Address of Witness

OFFICE USE ONLY

COMMENTS

8
 PRIVACY STATEMENT AND CONSENT
PAR GENERAL
Use and Disclosure of Information:
MERITON PROPERTY FINANCE PTY LIMITED (“Meriton”) may collect and use personal information about you
for the purpose of providing credit. The personal information will be held by Meriton and you can gain access to
the information held about you by contacting Meriton. Meriton will not use or disclose information collected about
you other than as set out in this statement, for the purposes you would reasonably expect, a purpose required or
authorised by law, a purpose otherwise disclosed to, or authorised by you. If the personal information Meriton request
is not provided, Meriton will not be able to approve the loan requested by you. You may gain access to the personal
information held by Meriton about you by calling the Property Finance Department on 02 9287 2888.

To: MERITON PROPERTY FINANCE PTY LIMITED,

Information about another person:

I represent that if at any time I supply Meriton with personal information about another person, I am authorised to do
so and I agree to inform that person who Meriton is, that Meriton will use and disclose that personal information for the
purposes set out above, and that the person can gain access to the information Meriton holds about that person.

Disclosure of Personal Information:

Meriton may disclose personal information about me to any:
Financial Planner
Mortgage Broker
Credit Reporting or Reference Agency
Insurance Investigator
Other entities and people within the Meriton Group
External service providers who assist Meriton with marketing, and the provision of financial and legal services
Any other party that Meriton deems necessary in the course of normal business activities.

Purposes for which Meriton can collect and use Personal Information:
I agree that personal information provided to Meriton in connection with this application may be held and used by
Meriton to:
Assess and process any application
Establish and administer the loan
Communicate with me and provide me with the information, products and services requested by me
Market Meriton’s projects
Recruit employees and contractors
Comply with legislative and regulatory requirements
Consider any other application I make to Meriton
Perform Meriton’s administrative operations
For any other purpose which Meriton deems necessary in the normal course of its business activities.

In assessing this application Meriton may seek and obtain personal information about me from a Credit Reporting
agency or another financial institution and may give personal information about me to another financial institution.

Where personal information which Meriton collects about me is sensitive information (such as information about health
status, religious belief, membership of a professional or trade association or a criminal record) I nevertheless consent to
its collection by Meriton.

Disclosure to Financier:
Meriton may disclose any report or personal information held to any applicable Meriton financier and I acknowledge
that I may contact Meriton at any time to access or confirm the nature of that information and whether it has been
passed on to any financier, including the identity of that party.

9
 PA - CREDIT INFORMATION
Acknowledgement and authority that credit information may be given to a credit reporting agency.
I understand that Section 18E(8)(c) of the Privacy Act allows you to give a credit reporting agency personal information
about me. I authorise you to give this information. The information which may be given is covered by Section 18E(1) of
the Act.

The information that may be given includes:

Identity particulars
The fact that I have applied for credit and the amount
The fact that you are a credit provider to me
Payments which are overdue more than 60 days, and for which collection action has commenced
Advice that payments are no longer overdue

In the credit you provided to me has been discharged.

Authority for you to obtain Credit Information

To enable you to assess my application for commercial or personal credit, I authorise you or your agent to get reports
from a credit reporting agency or other business that provides information about credit worthiness,
These reports may contain:
Personal information about me in relation to my application or personal credit in accordance with Section 18K(1)(a) of
the Act
Personal information about me in relation to my application or commercial credit by me or my company or firm. This
is in accordance with Section 18K(1)(b) of the Privacy Act
Information about my commercial activities or credit worthiness in relation to my application for personal credit.
This is in accordance with Section 18L(4) of the Privacy Act
Other information In relation to my commercial credit activities
To obtain personal information about me for the purpose of collection of overdue payments in respect of
commercial credit which has been provided to me by Meriton. This is in accordance with Section 18K(1)(h)(i) of the
Act
When performing tasks reasonably necessary to the provisor of Securitised Loans or Securitisation purposes

Authority to exchange information with other credit providers

In accordance with Section 18N(1)(b) of the Privacy Act, I authorise you to give information and get information from all
credit providers named in this application or credit report issued by a credit reporting agency or any agent of yours that
is deemed to be a credit provider pursuant to Section 11b(5) of the Act I understand that this information can include
any information about my credit worthiness, credit standing, credit history or credit capacity that credit providers are
allowed to give or receive under the Act.

I understand that this information may be given or used by you or your agent for the following;

To assess an application by me for personal or commercial credit

To assist me to avoid defaulting on my credit obligations
To tell other credit providers about a default by me
To assess my credit worthiness
To assess my position if I fall into arrears
Where the information is given to participants in a securitisation scheme, for the purpose of assessing the risk
involved in the purchase of any credit facility advanced or applied for by me and any risk associated with the
undertaking of any credit enhancement of such a credit facility.

X X
Signature Dated Signature Dated
Print Name Print Name

10
 proof of identification

Certified Copies of Primary Identification Documents (For overseas buyers: Notarised copies).
Passport 70 Points
Birth Certificate / Extract 70 Points
Citizenship Certificate 70 Points

Certified Copies of Secondary Identification Documents (must have photograph and signatures)
(You may use several of the following to reach 100 points)
Australian Driver’s Licence 40 Points
Australian Public Employee ID 40 Points
Student ID – issued by a tertiary institution 40 Points

Certified Copies of Other Cards

Medicare 25 Points
ATM card and Credit Card 25 Points
Foreign Driver’s Licence 25 Points
Bank statement 25 Points
Australian marriage certificate 25 Points

Documents which verify your full name and residential address

Utility Bills
Water, Electricity, Gas 25 Points
Telephone Bills, Council Rates 25 Points

11
 Proof of Savings
Last three months statements

Proof of Income
You will need to provide us with the following documents that are relevant to you

Salary/PAYG
Your two most current pay slips and the corresponding bank statement showing the income
going through

Your name, position, years of service, annual income, with all the company details

Income Statement issued by ATO, Notice of Assessment, Complete Tax Return

Recent 2 years

Self Employed
Recent 2 years of Personal Full Tax Returns and Notice of Assessment
Recent 2 years of Company Full Tax Returns and Notice of Assessment
Recent 2 years of Company Financials (Profit & loss statements, balance sheet)
6 months business activity statements (BAS)
6 months Bank Statements showing the income transactions going through the account
Copy of certificate of business

Company Name or Trustee information

If you are applying for a loan in your company name or trustee you must supply the following:
A copy of the Memorandum of Articles of Association of the company
Certificate of Registration
A copy of your current Family/Unit Trust Deed

Please note: Such deed must be dated and stamped by the relevant authority.

Rental income
If you currently have rental properties you are required to provide us with a current copy of the residential tenancy

COMMITMENTS
Loans and credit cards with other financial institutions
Please provide statements for the current three months of any loans you currently have e.g.;
Credit card statements
Personal loan statements
Car loan statements
Mortgage statements

Assets
Copy of certificate of title for principal place of residence
Copy of certificate of title for investment properties
Water rates, council rates, strata levies

12
 PROPERTY FINANCE SUMMARY

Features
Interest Only Loans, Fixed at Meriton rates for a 2 or 3 Year Term
No Valuation Fee, Brokerage Fees or Early Payout Fees
Pre-Payment of Interest Allowed
Lump Sum Principal Reductions Allowed
No Mortgage Insurance

Application Fee of $1,500

Payable at time of lodgment of all Property Finance Applications and are only refunded if your application
has been declined. No refund for approved loans.

Interest Repayments
Monthly interest payments are calculated in arrears and directly debited from the nominated account of your choice
every first business day of the month.

Interest Pre-Payment & Principal Reduction

Both pre-payment of interest & lump sum principal reductions are allowed in set multiples to assist you with paying
your loan earlier.

Early Repayment or Discharge of Loan

Can be arranged at any time and is penalty free.

Expiry of Loan
You must refinance on or before expiry of your loan contract with Meriton.

Default Interest
A default interest of 15.00 % may be applied in certain circumstances.

13
meriton.com.au/finance
Meriton Tower,
Level 11, 528 Kent Street
Sydney NSW 2000

Tel: (02) 9287 2888 | Fax: (02) 9287 2732

[email protected]

MERITON PRO
BLANK PAGE
 C
LI
EN
T
TO
KE
EP
credit guide
Credit Guide
MERITON PROPERTY FINANCE PTY LIMITED
ABN 36 101 180 607 ACL 393461
Meriton Tower, Level 11, 528 Kent St, Sydney NSW 2000
Tel: (02) 9287 2888 | Fax:(02) 9287 2732
[email protected]

ABOUT THIS CREDIT GUIDE

This credit guide has information about us and:

> Our responsible lending obligations under the National Consumer Credit Protection Act:
and
> What you can do if you have a complaint.

FEES AND CHARGES

The following charges are payable by you to us for matters associated with our providing credit assistance:

Name of charges and when it is payable Method of working out the amount
Vendor Finance Application Fee payable on application $1500

CREDIT CONTRACT MUST NOT BE UNSUITABLE FOR YOU

Under the National Consumer Credit Protection Act, we must not enter into a credit contract with you, or increase
the credit limit of a credit contract with you, if the contract is unsuitable for you.

The contract will be unsuitable for you if, at the time the contract is entered into or the credit limit is increased, it is
likely that:

> You will be unable to comply with your financial obligations under the contract, or could only comply with
substantial hardship; or
> The contract will not meet your requirements or objectives.

We must make an assessment whether the contract will be unsuitable for you before entering into a credit contract
with you or increasing the limit of an existing credit contract.

MERITON PROPERTY FINANCE PTY LIMITED

CREDIT GUIDE - CLIENT TO KEEP
FOR YOUR INFORMATION ONLY
You can request a copy of our assessment. We must give you a copy (at no charge to you):

> Before entering the credit contract or before the credit limit is increased, if you make the request before then;
> Within 7 business days, if your request is made within 2 years of entering into the contract or the credit limit
increase; and
> Otherwise, within 21 business days.

We do not need to give you a copy of the assessment if:

> Your request is made more than 7 years after entering into the contract or the credit limit increase; or
> The credit contract is not entered into or the credit limit is not increased.

DISPUTE RESOLUTION PROCEDURES

We have an internal dispute resolution procedure. We are also a member of an independent external dispute
resolution scheme, Australian Financial Complaints Authority (see contact details below) .

Internal dispute resolution

If you have a complaint, you should contact us first, by using any of the contact details shown on the front page of
this credit guide.

Wherever possible we will seek to settle your complaint on the spot. If we can’t do this, we will advise you in
writing within 2 working days of receiving your complaint about the procedures for investigating and handling the
complaint.

> Complaints we can’t resolve on the spot: We will seek to deal with your complaint within 21 days. We will
respond to you within 14 days of receiving the complaint to ensure that our response is received within 21 days. If
we can’t make a decision within 14 days and we need additional time, we will write to you advising that a further
period, not exceeding 24 days, will be required for investigation. This will extend the complaint handling time to
a total of 45 days from the initial date of lodgement. If the unresolved complaint exceeds 45 days, we will advise
you in writing and specify a date when a decision can be expected, and give you regular updates.

> Complaints Involving hardship applications or postponement of enforcement proceedings: These will be
treated as urgent matters. There will be no extension of time beyond 21 days for resolution of a complaint
relating to a default notice. If you seek hardship relief or postponement of enforcement proceedings and the
matter is not resolved within 21 days, the matter will be referred to external dispute resolution. You can lodge a
complaint directly with our external dispute resolution scheme where it involves a default notice that has been
issued after a request for hardship assistance or postponement of enforcement proceedings has been declined.

> Outcome of the complaint: We will advise you in writing of the outcome of our investigation, the reasons
for the outcome, and further action you can take in respect of the complaint. Within 7 days of resolution of
complaint, your accounts should be adjusted to give effect to our decision.

MERITON PROPERTY FINANCE PTY LIMITED

CREDIT GUIDE - CLIENT TO KEEP
FOR YOUR INFORMATION ONLY
EXTERNAL DISPUTE RESOLUTION
If you are unhappy with any decision or the handling of the complaint by us, you can refer your complaint for
external resolution to Australian Financial Complaints Authority (AFCA). This service is available at no cost to you.
Contact details are below:

Australian Financial Complaints Authority (AFCA)

AFCA Phone: 1800 931 678
AFCA Email: [email protected]
Website: www.afca.org.au
Address: GPO BOX 3 Melbourne VIC 3001

In many cases this leads to a successful resolution. If the dispute remains unresolved, Australian Financial
Complaints Authority can then offer conciliation processes or it may investigate the dispute and issue a written
decision on your case which is binding on us (including requiring us to make a monetary payment to you).

Our external dispute resolution scheme cannot deal with your complaint (assuming the complaint is within the
scheme’s terms of reference) unless you have attempted to resolve the problem with us first, and either:

> We have made a formal proposal to resolve the complaint, and you have told us that the proposal is not
acceptable to you; or
> At least 45 days has elapsed since you made your complaint,

whichever occurs sooner. However if the complaint relates to a hardship application or request for postponement
of enforcement proceedings (see under Internal dispute resolution above), the scheme may be able to deal with
your complaint sooner.

MERITON PROPERTY FINANCE PTY LIMITED

CREDIT GUIDE - CLIENT TO KEEP
FOR YOUR INFORMATION ONLY
A holistic approach
Meriton offers a complete and tailored apartment solution, helping customers to buy,
manage, rent and sell property at all stages of the process. This 360-degree fully
integrated approach is unique within the industry.

We’re with you

all the way.
We help you buy We help you manage We help you sell
> Prime locations near employment hubs, > Onsite building managers can lease > Managed Resale of your Meriton
transport, education and shops apartments for our clients, addressing apartment by the people who built it
daily concerns and managing the
> Onsite facilities including aquatic maintenance of the apartment > Our Resales site specialist has
centres, gymnasiums, childcare comprehensive insight into your
and retail > Meriton’s Property & Strata apartment, building and suburb
Management teams are responsible for
> Tenant Guarantee provides secured the ongoing professional management > Our expertise helps you achieve faster
tenancies on settlement for Investors of the overall development results and the highest possible prices
> Vendor Finance options are available
of up to 90% lend on a two-year,
fixed interest rate loan
> 100% completion record gives
certainty when buying off the plan

Meriton Tower, Level 11, 528 Kent Street, Sydney NSW 2000
Tel: (02) 9287 2888 | Fax: (02) 9287 2732 | [email protected]

MERITON PROPERTY FINANCE PTY LIMITED

AUSTRALIAN CREDIT LICENCE NO: 393461
ABN 36 101 180 607 | DX 1177 SYDNEY NSW AUSTRALIA 2000
 IMPORTANT NOTICE
Meriton Property Services Pty Limited, Meriton Property Finance Pty Limited and all of their
representatives, employees and agents do not offer any financial advice in relation to vendor
finance offered by Meriton Property Finance and all applicants must obtain their own independent
financial advice as to the suitability of any finance offered.

This Loan Application must be completed and signed and the original submitted to the Vendor
Finance Department.

Meriton will not accept or process a copy of a completed Loan Application.

BLANK PAGE
 Statutory Declaration
OATHS ACT 1900, NSW, NINTH SCHEDULE

I, ................................................................ , of ……………………………….……………………….
[name of declarant] [residence]
do hereby solemnly declare and affirm that ............................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
.......................................................................................................................................................
[the facts to be stated according to the declarant’s knowledge, belief, or information, severally]
And I make this solemn declaration, as to the matter (or matters) aforesaid, according
to the law in this behalf made – and subject to the punishment by law provided for any
wilfully false statement in any such declaration.

Declared at: .................................................... on ........................................................................

[place] [date]
.......................................................................
[signature of declarant]
in the presence of an authorised witness, who states:
I, ...................................................................... , a .......................................................................,
[name of authorised witness] [qualification of authorised witness]
certify the following matters concerning the making of this statutory declaration by the person
who made it: [* please cross out any text that does not apply]
1. *I saw the face of the person OR *I did not see the face of the person because the person
was wearing a face covering, but I am satisfied that the person had a special justification
for not removing the covering, and
2. *I have known the person for at least 12 months OR *I have confirmed the person’s identity using an
identification document and the document I relied on was …………...………………………………….
[describe identification document relied on]

................................................................. .....................................................................
[signature of authorised witness] [date]