Your documents.

Westpac Home Ownership

Services
Korapat Kirdpan GPO Box 2370
1 Kent Street Adelaide SA 5001
Bellambi NSW 2518 Telephone No: 132 558
Facsimile No: (08) 8113 2551
Our reference: SUB200620220154346

Your lender
James Carter
0422312436
james.carter@banksa.com.au

20 July 2022

Hi Korapat,

We’re happy to let you know your application has been unconditionally approved for a loan
amount of $600,000.

We have the following details about your property purchase. Contact us immediately if any of
the details, including spelling, are incorrect.

Buyer name Korapat Kirdpan

Purchase property 13 Kitchener Avenue, Concord NSW 2137
Purchase price $700,000

Buyer name Korapat Kirdpan

Purchase property 13 Kitchener Avenue, Concord NSW 2137
Purchase price $700,000

What you need to do.

The Document Checklist explains what you need to do next. All borrowers must sign and return
required documents by 3 August, 2022.

We're here to help.

If you have any questions, please contact your Lender or call us on 132 558.
Thank you for choosing Westpac.

The Westpac Home Ownership Team

Westpac Banking Corporation

APP121000067183005 ABN 33 007 457 141 AFSL and Australian credit licence 233714 20 July 2022
Document Checklist.
Read the information in each document and carefully check all details are correct. Then, follow
the instructions below.

Documents to read and keep.

• Loan Offer and Additional Information (together these form your Loan Contract)
• Loan application – what we discussed
• Mortgage Form (your copy) and the accompanying Mortgage Terms

Documents to return or forward.

Loan Acceptance
Read, sign and return to us.

Loan authority
Please review. If everything is correct, retain for your records. If details are missing or need
updating, follow the instructions in ‘Your loan authority’.

Mortgage Form
Read, sign and return the original bank copies to us. Carefully check the witnessing and
supporting document requirements. Refer to the relevant instructions found on the forms.

Solicitor’s Instructions
Once you’ve accepted your loan offer, give the Solicitor’s Instructions to your solicitor or
conveyancer.

Return.
Read the information contained in each enclosed document and carefully check all the details are
correct.
Return the required documents to your Lender, any Westpac branch, or post to:
The Westpac Home Ownership Team
Reply Paid 85480
Adelaide SA 5001.

APP121000067183005 Page 2 of 2 20 July 2022

Your loan offer.
This loan offer is to
Korapat Kirdpan
on 20 July 2022

The total amount of these loans is $600,000.

Loan account 1 - Bridging Loan.

This is a bridging loan. The loan amount is $400,000.

For 3 months, a variable interest only rate applies (currently 5.17% p.a.)
This is the Variable Interest Only Housing Rate.

Then for 9 months, a variable interest only rate applies with an additional 1%
p.a. (currently 6.17% p.a.)
This is the Variable Interest Only Housing Rate (currently 5.17% p.a.) with a 1.00% p.a. addition.
The interest payable over the term of loan account 1 is $24,326.89 and total payments are
$424,422.89.

Making payments.

During the 12 month period after your loan is first drawn, interest and any fees and charges
listed under the heading Payable ongoing will be debited to your loan account. The interest
will then bear interest accordingly. No payments are due during this period. The fees and
charges will be included in the payment on the Payment Due Date at the end of this 12 month
period.

Loan account 2 - Rocket Repay Home Loan.

The loan amount is $200,000.

A variable rate applies (currently 4.44% p.a.)

This is the Rocket Variable Rate (currently 5.83% p.a.) with a 1.39% p.a. discount .

Payments are $1,007 each month. Payments include the loan amount, interest and ongoing
monthly fees and charges. The final payment will change to reflect any outstanding amount.

While you have the Premier Advantage Package your payment will increase by $395 on each
anniversary of your first payment.

Westpac Banking Corporation

APP121000067183005 ABN 33 007 457 141 AFSL and Australian credit licence 233714 20 July 2022
 Making payments.

Your first payment is due a month after any of the loan amount has been accessed (but no
later than the 28th of that month). Each subsequent payment is due on the same day each
month.

In total there are 360 payments.

Loan term.

The loan terms, which commence when each loan is accessed, are:
• 1 year maximum for loan account 1;
• 30 years for loan account 2.

Fees and charges.

Fees and charges payable are $14,316.52
This amount is based on the initial and ongoing amounts listed below. Please note that this
includes the Annual Package Fee for each year of the loan term. It does not include amounts
we've been unable to determine or estimate.

Payable initially
Initial fees and charges are paid from your loan account when you access your loan amount.
___________________________________________________________________________________________________________________________________________________

Annual Package Fee $395.00

Payable when joining a Premier Advantage Package. We'll debit the fee
automatically from your loan account.
___________________________________________________________________________________________________________________________________________________

Lending Establishment Fee $600.00

___________________________________________________________________________________________________________________________________________________

Lending Establishment Fee nil

___________________________________________________________________________________________________________________________________________________

Bank Cheque Fee (per cheque) $10.00

Payable for each bank cheque we are required to issue at settlement
except for the first cheque which is free. Payable when we issue the
cheque.

Government charges
Government charges are below and are estimates only. Actual amounts are known when
incurred. These amounts exclude any concessions or exemptions. Please provide any such
entitlement details to us prior to paying the amounts.
___________________________________________________________________________________________________________________________________________________

Mortgage Registration Fee $154.20

Payable to the relevant government land registry for registration of a
mortgage
___________________________________________________________________________________________________________________________________________________

Discharge Registration Fee $208.83

Payable to the relevant government land registry when a discharge of
mortgage is to be registered
___________________________________________________________________________________________________________________________________________________

Transfer/Conveyance Registration Fee $154.20

Payable for the transfer of ownership of a property
___________________________________________________________________________________________________________________________________________________

Mortgage Registration Fee $208.83

Payable to the relevant government land registry for registration of a
mortgage

APP121000067183005 Page 2 of 5 20 July 2022

 ___________________________________________________________________________________________________________________________________________________

Discharge Registration Fee $154.20

Payable to the relevant government land registry when a discharge of
mortgage is to be registered
___________________________________________________________________________________________________________________________________________________

Discharge Registration Fee $154.20

Payable to the relevant government land registry when a discharge of
mortgage is to be registered
___________________________________________________________________________________________________________________________________________________

Discharge Registration Fee $208.83

Payable to the relevant government land registry when a discharge of
mortgage is to be registered
___________________________________________________________________________________________________________________________________________________

Transfer/Conveyance Registration Fee $154.20

Payable for the transfer of ownership of a property
___________________________________________________________________________________________________________________________________________________

Mortgage Registration Fee $154.20

Payable to the relevant government land registry for registration of a
mortgage
___________________________________________________________________________________________________________________________________________________

Mortgage Registration Fee $208.83

Payable to the relevant government land registry for registration of a
mortgage

Payable ongoing
___________________________________________________________________________________________________________________________________________________

Annual Package Fee $395.00

Payable annually while you have a Premier Advantage Package. We'll
debit the fee automatically from your nominated account.
___________________________________________________________________________________________________________________________________________________

Account Keeping Fee - Loan account 1 $8.00

Payable monthly while your loan account is open.
___________________________________________________________________________________________________________________________________________________

Account Keeping Fee - Loan account 2 nil

Payable monthly while your loan account is open.

Payable if applicable
___________________________________________________________________________________________________________________________________________________

Property Valuer Fee

Payable each time Westpac obtains a valuation or inspection from an
external valuer (the amount of this charge is determined by reference
to the external valuer's fees).
___________________________________________________________________________________________________________________________________________________

Loan Discharge Fee $350.00

Payable if we deal with the mortgage document or title document and
the dealing involves the settlement of a transaction (for example,
settlement of the sale of the mortgage property or any part of it).
___________________________________________________________________________________________________________________________________________________

Production of Title Fee $100.00

Payable when you request us to produce the certificate(s) of title to a
security property to enable registration of a plan or dealing
___________________________________________________________________________________________________________________________________________________

Default Notice Fee $85.00

Payable when we send you a default notice. There may also be agent
fees which are charged separately for the delivery of the notice and
you will also be required to pay these.
___________________________________________________________________________________________________________________________________________________

Missed Payment Fee $15.00

Payable if we send you a letter in relation to a default (other than the
first letter or a default notice).

APP121000067183005 Page 3 of 5 20 July 2022

 ___________________________________________________________________________________________________________________________________________________

Overdrawn Fee $15.00

Payable each time we honour a withdrawal you initiate which results in
the loan account balance exceeding the current limit.
___________________________________________________________________________________________________________________________________________________

Mortgage Insurance Administration Fee $90.00

___________________________________________________________________________________________________________________________________________________

Document Processing Fee $150.00

Payable if we deal with the mortgage or title document after
settlement or if we are required to consent to the registration of any
dealing with the mortgaged property.
___________________________________________________________________________________________________________________________________________________

Stop Payment Fee $12.00

Payable when we action your request that the payment of a cheque be
stopped.
___________________________________________________________________________________________________________________________________________________

Overseas Withdrawal Fee $5.00

Payable each time you make a cash withdrawal from an overseas ATM.
The fee is debited to your account as soon as possible after the
transaction.

Government charges
Government charges are below and are estimates only. Actual amounts are known when
incurred.
___________________________________________________________________________________________________________________________________________________

Discharge Registration Fee

Payable on registration of a discharge of mortgage or other
encumbrance that is security for this loan. The fee payable differs for
each state and is current as at the date of this loan offer - ACT $160.00,
NSW $154.20, VIC $123.50, QLD $208.00, SA $179.00, WA $187.60,
TAS $180.20, NT $156.00

Changes we can make.

We can vary the loan amount, variable interest rate, interest rate adjustments, payment
details or the amount, timing or frequency of fees and charges without your consent. We
may also introduce new fees and charges. We will give you notice if any of these occur as
set out in the Changes to your loan contract section in Additional Information.

What is securing this loan.

The security for your loans are:
• the mortgage over the property at 13 Kitchener Avenue, Concord NSW 2137;
• the mortgage over the property at 32 Donaghue Street, Giru QLD 4809.

APP121000067183005 Page 4 of 5 20 July 2022

 Commission payments.
The commission amount(s) and rate are correct as at the date on your loan offer.

Westpac will pay a commission to Company295 for introducing your loan application to us.
This commission is made up of an upfront commission and a monthly commission.

For Loan Account 1 - No commission is payable.

For Loan Account 2 - The upfront commission is paid in two instalments based on the loan
balance over the first year, and will not exceed the amount of $1,430 inclusive of GST.

The total upfront commission payable will not exceed $1,430 inclusive of GST.

The monthly commission is 0.15% per annum of the monthly loan balances of each loan account
plus GST on this amount.

To calculate these commissions, the loan balance for a loan account is reduced by any amount
in an offset account linked to that loan account, where applicable, on the date we calculate
payment. The exact commission is currently unascertainable, as we do not know what the loan
and offset account balances will be.

Late payments.
If you do not make a payment when due, an increased interest rate applies to the overdue
amount from the day it was due until you have paid it. The amount of interest payable on
overdue amounts is calculated by multiplying your overdue payment amount at the end of
each day by the late payment interest rate, which is your current interest rate plus a variable
margin (currently 2%) divided by 365. At this time, the late payment interest rate is:
• 7.17 % p.a. for loan account 1;
• 6.44 % p.a. for loan account 2.

Loan purpose and property use

The predominant purpose of these loan is: Purchase of owner occupied individual residential
blocks of land.

How the loan amount will be paid

We will pay the loan amount as follows on settlement:
 $600,000 as directed by you or your nominated representative.

APP121000067183005 Page 5 of 5 20 July 2022

Additional information.
Table of Contents

Before you can access the loan amount ...................................................................................................................2

How to access the loan amount....................................................................................................................................2
Reasons your loan may not go ahead ........................................................................................................................2
Loan account .........................................................................................................................................................................3
Interest on your loan ..........................................................................................................................................................3
Costs, fees and charges ....................................................................................................................................................3
Payments.................................................................................................................................................................................4
Using your loan .....................................................................................................................................................................5
Additional information about cheques ......................................................................................................................5
Redraw......................................................................................................................................................................................7
Offset .........................................................................................................................................................................................7
Premier Advantage Package ..........................................................................................................................................7
Break costs (fixed rate periods only) .......................................................................................................................10
Changes to your loan contract......................................................................................................................................11
Security ...................................................................................................................................................................................13
Joint borrowers ...................................................................................................................................................................13
Providing us with information ......................................................................................................................................13
Default.....................................................................................................................................................................................14
Other conditions.................................................................................................................................................................14
Definitions..............................................................................................................................................................................16
Credit Guide and Information Statement ................................................................................................................18

APP121000067183005 Page 1 of 21 20 July 2022

 We offer you a loan on the terms set out in
the Loan offer and Additional Information.
Your loan contract includes this Additional
Information, the loan offer and the Accept
your Loan Documents screen or Loan
acceptance document (depending on
whether you accept your offer online or on
paper).
1. Before you can access the loan
amount
a. What you need to do
Before you can access the loan amount,
you’ll need to:
• accept your loan offer before the loan
offer expires;
• complete and sign any other
documents we reasonably ask you to
sign;
• do anything we reasonably request
you to do to ensure we are satisfied
with the secured property and our
interest in it;
• provide us with the identification
information and documents we ask for;
• obtain insurance to our satisfaction on
any secured property; and
• pay any fees and charges that are due
before or when you first access the
loan amount.
2. How to access the loan amount
a. Single instalment loans
You must access the loan amount in one
instalment within 180 days of the date of
your loan offer.
b. Multiple instalment loans
If your loan is a building, you can access
your loan amount in a number of
instalments.
If your loan is a building loan, you must
access the first instalment within 1 year of
the date of your loan offer and the full loan
amount within 2 years of the date of your
loan offer.
APP121000067183005
3. Reasons your loan may not go ahead
a. When we may cancel your loan
We may cancel any part of the loan amount
you have not accessed if:
• we reasonably believe there is a
significant change in your ability to
meet your loan payments now or in the
future;
• you have not accessed any of the loan
amount within 180 days of the date on
your loan offer (or 365 days for a
building loan);
• you have not complied with any term
or condition of your loan contract or
any security, and the non-compliance
is significant and either cannot be fixed
or has not been fixed within a
reasonable time;
• you or another person acting on your
behalf has given us any information
that is misleading or incorrect in an
important way; or
• your loan is a Flexi First Option Home
Loan (Veterans) and the
Commonwealth cancels the interest
subsidy;
• a legal or regulatory requirement
requires us to do so.
b. When we may cancel a loan with
guarantors
If your loan has a guarantor, we may cancel
any part of the loan amount you have not
accessed if:
• any guarantor does not sign a
document that we reasonably require
the guarantor to sign;
• any guarantor does not obtain
independent legal advice and provide
evidence of it to our satisfaction;
• we reasonably believe there is a
significant change in any guarantor’s
ability to guarantee the loan now or in
the future;
• any guarantor withdraws from or stops
their guarantee;
• any guarantor dies, or goes into
administration (including
administration arising out of mental
illness, incapacity, administration of an
insolvent estate or bankruptcy); or
• any guarantor has given us any
information that is misleading or
incorrect in an important way.
Page 2 of 21 20 July 2022

4. Loan account
We will open a loan account in your name
and deduct:
• any loan amounts you access;
• any amounts you access using redraw;
• interest charges;
• fees and charges that are payable
under your loan contract; and
• any enforcement expenses.
We add to that loan account any payments
you make. At any time, your loan account
balance is the difference between all
amounts added to and deducted from your
loan account.
5. Interest on your loan
Each interest rate specified in your loan is
an annual percentage rate.
a. How we calculate interest
We calculate the interest payable on your
loan at the end of each day by multiplying
your loan account balance by your loan’s
current interest rate and then dividing this
number by 365.
Where that day is not a business day, the
balances at the end of the previous
business day are used.
b. How we calculate Interest Only in
Advance
Interest Only in Advance is calculated by
multiplying your actual or estimated loan
account balance on the payment date by
your loan’s current interest rate over the
Interest Only in Advance period. At the
end of each 12 month Interest Only in
Advance period, if the Interest Only in
Advance you paid is more than the interest
that would have applied if we had
calculated interest on the basis of your
daily loan account balance, you will be
entitled to a refund of the surplus interest
you have paid.
c. When we deduct interest from your loan
account
Interest on your loan is payable on:
• every payment due date after you first
draw your loan; and
• the day you repay your loan in full.
We will deduct unpaid interest from your
loan account on the day it is payable.
APP121000067183005
d. Interest rate discounts
If you have an interest rate discount on your
loan, we may remove or reduce the discount
if you switch to a loan that isn’t eligible to
receive the discount.
If your interest rate discount results in a rate
of less than zero, we will deem your annual
percentage rate as zero. Your rate will
remain at zero until the relevant variable rate
increases or your discount period expires.
e. How to find out about our interest rates
Our current interest rates are advertised at
www.westpac.com.au. We will also give you
current interest rate information on request.
6. Costs, fees and charges
a. What fees and charges you need to pay
You must pay to us:
• all government charges, taxes and
duties relating to your loan contract,
your loan account or any security;
• the fees and charges outlined in your
loan offer (as varied by us), and any
new fees and charges we introduce;
• any enforcement expenses, if there is a
breach of the loan contract, any
guarantee or any security.
Information about our current fees and
charges is available on request.
b. Lenders mortgage insurance
We may take out lenders mortgage
insurance in relation to your loan. This
insurance protects us if anything happens
which allows us to sell any mortgaged
property, but the sale proceeds aren’t
enough to repay the loan. As you are not
protected by lenders mortgage insurance,
you must still pay the insurer for any
difference between the amount outstanding
under the loan contract and the sale
proceeds from selling any mortgaged
property.
Page 3 of 21 20 July 2022
7. Payments
a. Your payments
You must repay all amounts you owe us
under this loan contract. Your loan offer sets
out your payment details as at the date of
the loan offer, including how often payments
must be made and the due dates for
payments. If we have not listed a dollar
payment amount in your loan offer, you can
ask us each month what your payment
amount will be.
If a payment date falls on a non-business
day, then your payment due date will be on
the next business day.
Contact us if you would like to make your
payments more often or know more about
our payment methods.
b. Your credit limit
Your credit limit on the date you first access
the loan amount will be the loan amount.
Your credit limit will reduce by the amount
of the loan amount you are required to
repay each month.
How we apply extra payments
If you make a payment on a day which is
not a payment due date, we will apply
that payment to the loan amount. If you
have a direct debit arrangement your
normal payment will still be deducted
when due.
e. Extra payments
If your loan has a variable rate, you can
make extra payments at any time without
incurring any fees.
If your loan has a fixed rate or is Interest
Only in Advance, you cannot make extra
payments.
Making extra payments under
a fixed rate loan
You can make extra payments up to
your prepayment threshold. After
this, a prepayment break cost will
apply. See the Break costs section
for more information.

If at any time your loan account balance f. Mortgage repayment pause

exceeds your credit limit, you must pay us
Where you have accessed your loan in full
any excess amount in addition to your
normal payment. and you pay more than the scheduled
payments, the extra amounts become
c. Reduction of credit limit available funds in your loan account. If so,
We can, acting reasonably, reduce your you can choose to miss a payment or make
credit limit to an amount that is not less than a reduced payment, provided the available
your current loan account balance. If we funds are enough to cover the scheduled
make any change to your credit limit, we will payments.
give you 30 days’ notice in writing.
d. How we apply your payments
We may apply your payments in any order
we reasonably choose, but generally in the
following order:

• any unpaid government charges;

• any unpaid enforcement expenses;
• any unpaid interest which has been
debited to the loan account on or
before the date of payment;
• any other unpaid fees and charges; and
• the loan amount.

APP121000067183005 Page 4 of 21 20 July 2022

8. Using your loan
a. Ongoing access to your loan account
When you request to access your loan
account using a particular method (such as
using a card, Westpac online banking or
telephone banking) we will provide you with
separate terms and conditions that govern
the use of that access method.
In those terms and conditions you will find
information on:
• safeguarding the methods you use to
access your account;
• how to notify us of the loss, theft or
misuse of any access method;
• the consequences of failing to inform
us of any loss, theft or misuse; and
• how to stop any payment service
associated with an access method.
b. Statements
We will send you a statement for your loan
account:
• monthly for a bridging loan; and
• every 6 months for any other type of
loan.
With the exception of bridging loans, if you
would like to receive statements more often,
please let us know. A fee may apply.
c. Loan purpose and property use
Your interest rate will be based on the
purpose for which you use the loan
amount. For example, a different interest
rate will apply depending on whether the
loan amount is used to purchase a property
to live in or for investment purposes.
If you use the loan amount to purchase a
property, you must notify us if you change
your use of that property from what you
previously told us. We may then change
your interest rate to the applicable rate
matching how the property will be used.
We will provide you with notice.
d. Closing your loan account
To obtain further information about repaying
your loan account (and closing your loan
account) you can call us on 132 032, visit a
branch or visit our website.
APP121000067183005
9. Additional information about
cheques
This information applies where we have
agreed you can write cheques on your
account.
a. Making cheque payments into your
account
When you make a payment into your
account by depositing a cheque, you will not
normally be able to make drawings against
the value of it until the cheque is cleared,
even though your account may be credited
with the proceeds of the cheque earlier.
Clearing a cheque normally takes up to three
business days, or after five days where the
cheque was deposited through Bank@Post.
However, this can be extended by up to two
business days in uncommon circumstances.
A valid cheque can sometimes be cleared on
the day it is presented, which is called
‘Special Answer’ or ‘Special Clearance’.
The cheque will be cleared for you to
withdraw the funds once it is paid by the
other bank.
b. Dishonour of cheques
A cheque may be dishonoured for a number
of reasons, some of which are:
• there are insufficient available funds
in the account of the drawer (the
person who signed the cheque) to
cover the amount written on the
cheque
• the cheque is post-dated - i.e.
presented for payment before the
date that is written on it
• the cheque is not signed, the
signature is not valid or more than
one signature is required
• the cheque has been 'stopped' by the
drawer
• the cheque is stale - presented for
payment more than 15 months after
the date written on it (although we
may still process it)
• the cheque has been materially
altered without the alterations being
properly signed or initialled.
If a cheque has not been cleared, we will
notify you as soon as possible.
Page 5 of 21 20 July 2022
 c. Stopping a cheque
If you write a cheque and want to stop the
payment, you can do so by notifying us
before the cheque has been paid. Please
contact us and provide us with the details of
the cheque, which includes the account
details, cheque number, amount of the
cheque, name of the payee (the person
you've written the cheque out to), date of
the cheque, and whether the cheque is
crossed or open.
There is a fee for stopping a cheque, but this
will not apply if your cheque book has been
lost, stolen, destroyed or no longer required
and the cheque forms had not already been
signed. We reserve our right to not process
a transaction which may cause your loan
account to be overdrawn. Fees and charges
may apply for transactions which are
honoured that overdraw the loan including
Overdrawn Fees and Debit Interest. In the
event of a transaction overdrawing a loan,
the balance should be rectified as soon as
possible.
d. Tips for cheques and writing cheques
• Always be careful when writing a
cheque or accepting one. To
minimise the risk of forgery or fraud,
take time to make sure that it is
accurate, properly crossed (when
required) and signed. Do not leave
gaps between words and figures -
use all the space and add 'only' to the
amount to be paid where it does not
include any cents (for example, fifty
dollars only).
• Fill up any empty spaces with a
horizontal line.
• Never use a pencil, non-permanent
ink pen or a correctable typewriter to
write a cheque as it can be easily
erased and altered.
• Never sign a cheque before you use
it (and never sign a blank cheque).
• When you alter a cheque you have
written, you must sign your name or
initials next to where you made the
alteration.
• Tell us immediately if a cheque, your
cheque book or some forms from
your cheque book have been lost or
stolen. This will enable us to stop
unauthorised cheque payments and
prevent or minimise resulting losses.
You can call us on 132 032 or visit a
branch.
• Never leave your cheque book where
it can be found by someone else.
APP121000067183005
e. Open or uncrossed cheque
• An open cheque is one that is
uncrossed, that is, a cheque that does
not have two parallel lines across it. It
is an instruction to us to pay anyone
who presents the cheque (assuming
that the cheque is a 'bearer' cheque)
at our branch where the drawer's
account is held, rather than the
cheque being required to be
deposited into the account.
• If the cheque was lost and presented
for payment by the person who
found it, we would not normally be
responsible for reimbursing the
money to the drawer. You should
always make your instructions clear.
f. Account payee only cheques
• If you write 'account payee only' on a
crossed cheque, you are instructing
us that you wish the cheque to be
paid into the account of the person
you have named on it.
g. 'Not negotiable' cheques
• A cheque is a negotiable instrument,
that is, it can be passed from one
person to another.
• A crossed cheque, with or without
the words 'not negotiable' written
between the lines, protects the 'true
owner' in case it is lost or stolen.
h. 'Or bearer' cheques
• If the words 'or bearer' appear at the
end of the line on which you have
written the payee's name and you
leave the cheque uncrossed and
without the words 'not negotiable' on
it, we will have to pay the proceeds
to anyone who presents the cheque.
• If, on an uncrossed cheque, you cross
out 'or bearer' or write in 'or order'
and the cheque is presented for
payment in cash, we have to pay the
proceeds only to the person whose
name is on the cheque, or as they
direct.
Page 6 of 21 20 July 2022

10. Redraw
Where you have accessed your loan and you
pay more than the scheduled payments, the
extra amounts become available funds you
can redraw in your loan account. Available
funds are reduced if a scheduled repayment
is not paid in full, or your credit limit is
reduced.
a. Eligibility to use redraw
You can use redraw if:
• the feature is available on your loan
type;
• you have completed the required
redraw request and we have activated
redraw; and
• you have paid any applicable fees.
Redraw is not available during the building
period of a building loan, on a bridging loan
or during an Interest Only in Advance
period.
b. Redraw conditions
You cannot redraw more than your available
funds.
You can access your available funds in
branch, by redraw form, or online and
telephone banking. Each method has daily
limits and processing times may vary.
During a fixed rate period, you cannot
withdraw available funds in excess of your
prepayment threshold. For more information
about the prepayment threshold see the
Break costs section.
You can cancel the redraw option at any
time by contacting us.
You will be charged interest on any amount
that you redraw because it will increase your
loan account balance.
We may cancel the redraw option or refuse
any request for a redraw at any time acting
reasonably. If we cancel your redraw
option, we will notify you.
In some circumstances we can also reduce
your credit limit as set out in the Reduction
of credit limit section. If we do so, this will
reduce your available funds.
11.Offset
This section only applies if you have an
offset account.
APP121000067183005
a. Offset account
An offset account must be in the same
name(s) as your loan account. Only one
offset account can be linked to a loan
account. It will take up to two business days
from the time of request to link your loan
account to an offset account.
b. While offset applies
While your loan is linked to an offset
account(s):
 we will subtract the credit balance of
your offset account from your loan
account balance when we calculate
interest at the end of each day. If a
day is not a business day, we use the
balances at the end of the previous
business day;
 when your offset account credit
balance is greater than your loan
account balance, we will treat the
two as being equal;
 you may repay your loan faster as
your repayments were calculated
without taking any offset account
into consideration;
 you won’t earn interest on any credit
balance you have in your offset
account;
 you will receive a single statement
that covers your loan account and
your offset account; and
 your offset account’s usual
account-keeping fee will be waived,
but you’ll have to pay any other fees
and charges that apply on your offset
account.
c. When offset won’t apply
Your loan will no longer be linked to the
offset account if:
• your offset account is no longer
eligible to be an offset account;
• you close your offset account or tell
us you no longer want an offset
arrangement;
• you repay your loan in full and close
your loan account;
• you switch to another loan product
that doesn’t offer the offset features;
or
• you request a final payout figure prior
to a full or partial payout of the loan.
Also, offset doesn't apply to any fixed rate
or during an Interest Only in Advance
period.
Page 7 of 21 20 July 2022
12. Premier Advantage Package
This section sets out a copy of the Premier
Advantage Package Conditions of Use,
which you accept by requesting to open a
Premier Advantage Package
a. Opening a Package
In order to open a Package you must:
• be a natural person or a non-trading
company which is trustee for a family
trust;
• request us to open a Package;
• hold or be approved for a Package
Home Loan; and
• hold or be approved for a Package
Transaction Account.
b. Eligibility for Package benefits
In order to be eligible for the Package
benefits:
• you must pay an annual package fee;
• you must not be in breach of any of
the terms and conditions applicable to
any Package Home Loan in a material
way; and
• the Package must not have been
cancelled (see the Cancellation of the
Package section).
If the Package Home Loan has a single
borrower, Package benefits are only
available on Eligible Products held by that
borrower. If the Package Home Loan has
joint borrowers, Package benefits are
available on Eligible Products held by at
least one of the borrowers.
If the Package has multiple members there
must be a “Common Home Loan” that
contains all members. Any eligible home
loan that has the same set or subset of
borrowers is eligible to be added to that
same Package.
c. Cancellation of the Package
If the last Package Home Loan or the
Package Transaction Account is closed, the
Package will be cancelled on the date the
next package fee is due. This means that,
subject to the Eligibility for Package
benefits section, the Package benefits will
continue to be available between the date
the last Package Home Loan or the Package
Transaction Account is closed and the date
the next package fee is due.
You may cancel your Package at any time
by giving us a written request (a form to
cancel your Package is available on request).
APP121000067183005
Your Package will be cancelled, and all
benefits will cease, when we receive your
written request.
We may cancel your Package immediately if:
• you do not pay the annual package
fee when due; or
• you are in breach of any of the terms
and conditions applicable to any
Package Home Loan or the Package
Transaction Account in a material
way.
If we materially reduce the overall Package
benefits, you may request to cancel your
Package and we will provide you with a
pro-rata refund of your annual package fee.
We will not otherwise refund your annual
package fee if your Package is cancelled or a
Package benefit is removed.
d. Fees and Charges
An annual package fee will be charged to
your Package Home Loan account on each
anniversary of the initial package fee charge
date.
If you close the loan account to which the
package fee is being debited, we will select
another loan account within the Package to
debit the fee to. If the loan account being
closed is the last Package Home Loan, we
will cancel your Package in accordance with
the Cancellation of the Package section.
e. Package benefits
Details of the Package benefits are set out in
the Schedule of Package benefits section.
We will apply the home loan, transaction
account, credit card and general insurance
benefits to the relevant accounts.
Terms and conditions, fees and charges
apply to the Eligible Products. Full details of
all product terms and conditions are
available on request or on
www.westpac.com.au. They may be varied,
or new terms and conditions introduced in
the future.
Unless we tell you otherwise, Package
benefits cannot be taken in conjunction with,
or in addition to other special offers,
negotiated rates or discounts offered by
Westpac or its subsidiaries.
Page 8 of 21 20 July 2022
 f. Schedule of Package benefits
Home loans:
Receive an interest rate discount and fee
reductions on the following loans:
Variable Rate Loans:
• Rocket Repay Home Loan
• Rocket Investment Loan
• Equity Access Loan (no longer for
sale)
Fixed Rate Loans:
• Fixed Options Home Loan
• Fixed Rate Investment Property Loan
The package interest rate discounts we offer
are based on your total loan amounts. For
applicable rates, please go to
www.westpac.com.au/personal-banking/ho
me-loans/all-interest-rates/.
Please note:
From time to time we may offer additional
discounts on top of the standard discount
shown.
• There is no limit on the number of
eligible loans within a Package that
may receive an interest rate discount.
• The interest rate discount may vary
according to the loan to value ratio
for your loan.
• If you currently have discounted
loans within an existing Package, the
discount on those loans will be the
discount offered at the time those
loans were taken. The discount on
any new loans which may be added
to your Package will be the discount
offered at the time those loans are
taken.
The fee reductions for new loans are as
follows:
Loan type Fee reductions
Variable rate Pay no lending establishment
loans and fee or loan account fee.
fixed rate
loans.
APP121000067183005
Transaction accounts
Westpac Choice Account
Pay no account-keeping fee each month.
Credit cards
Subject to eligibility criteria set out in
Section 13, you will be entitled to a waiver of
future annual fees on one of the following
credit cards:
 55 Day Visa (no longer for sale)
 55 Day Platinum Visa (no longer for
sale)
 Low Fee Mastercard
 Low Fee Platinum Mastercard (no
longer for sale)
 Altitude Platinum Visa (no longer for
sale)
 Altitude Mastercard (no longer for
sale)
 Altitude Platinum Mastercard
(including Altitude Qantas Platinum)
 Altitude Black Mastercard (including
Altitude Qantas Black)
 Earth Mastercard (no longer for sale)
 Earth Platinum Mastercard (no longer
for sale)
 Earth Black Mastercard (no longer for
sale)
 Low Rate Mastercard
You receive an annual card fee waiver once
an eligible credit card is linked to the
Package. Rewards Program Fees are not
waived as part of the Package.
The annual card fee waiver is the Package
benefit. If you have an existing card with a
discounted purchase or cash advance
interest rate, we will not link your card to a
Package unless you specifically ask us to. If
you ask us to link your card to a Package
you will forgo any existing discounted
purchase or cash advance interest rates,
unless otherwise stated. The first instance
of us applying your fee waiver may be
delayed by up to 60 days. If your credit
card annual fee is charged during the
period between you requesting the
Package benefit and the fee waiver being
applied, we will refund your annual fee and
adjust any interest you may have incurred
on that fee. Any subsequent annual fees
that you would otherwise be charged on
that credit card will be waived during the
period that the credit card is linked to the
Package.
Page 9 of 21 20 July 2022
 Only one credit card annual fee waiver can
be applied per Package regardless of the
number of Package members.
Other fees and charges may apply.
Insurance
Home and Contents Insurance or Landlord
Insurance - receive up to 10% discount off
your premium.
 If you are eligible for the Home and
Contents combined discount, we will
apply the Premier Advantage
Package discount to any already
discounted premium. Minimum
premiums may apply.
 If you take out a Premier Advantage
Package after your Home and
Contents Insurance policy has been
issued then the package benefits will
only be applied at your next renewal.
Things you should know
 The product information in this
section does not take into account
your financial circumstances. Before
you make a decision to acquire any
Eligible Product, you should read all
the Terms and Conditions and
Product Disclosure Statements
available by visiting
www.westpac.com.au and consider
whether the product is appropriate
for you. Other fees and charges
apply.
 Home and Contents Insurance and
Landlord Insurance is issued by
Allianz Australia General Insurance
Limited ABN 99 003 719 319.
Westpac Banking Corporation ABN
33 007 457 141 AFSL 233714 arranges
the insurance, but does not
guarantee the insurance.
 For insurance policies issued on or
after 12 December 2021: Home and
Contents Insurance and Landlord
Insurance is issued by Allianz
Australia Insurance Limited ABN 15
000 122 850 AFSL 234708 (Allianz).
Westpac Banking Corporation ABN
33 007 457 141 AFSL 233714 arranges
the insurance, but does not
guarantee the insurance.
APP121000067183005
13. Break costs (fixed rate periods
only)
a. What is a break cost
A break cost is a fee that represents our
loss if you repay your loan early or switch
your product, interest rate or payment
type during a fixed rate period.
Why do we charge break costs
When we agree to lend you money at a
fixed interest rate, we obtain money
from the money market at wholesale
interest rates based on you making
your payments as agreed until the end
of the fixed rate period. If you don’t,
and wholesale interest rates change, we
can make a loss.
b. When a break cost applies
If you prepay part of or your entire loan
before the end of your fixed rate period, you
must pay us the prepayment break cost we
calculate unless the amount you prepay
doesn’t exceed the prepayment threshold.
If you switch to another product, interest
rate or payment type before the end of your
fixed rate period, you must pay us the
switching break cost we calculate.
If during an Interest Only In Advance period,
you pay the total amount owing early, we
will refund to you any interest charges you
have paid in advance. We will apply the
refund against any prepayment break costs
or other amounts you owe due to the early
payment, and pay any remaining balance to
you.
c. Prepayment threshold
The prepayment threshold is the amount
that we allow you to prepay on your loan
during the fixed rate period without
incurring a prepayment break cost. This
amount is $30,000.
To calculate how close you are to reaching
your prepayment threshold you add
together all of the amounts that you have
prepaid and deduct any amounts you have
redrawn. You will only exceed your
prepayment threshold once the result is
more than $30,000 at any time during the
fixed rate period.
Page 10 of 21 20 July 2022
 d. How break costs are calculated
Our break costs formula is complex. This is a
simplified description.
We will incur a loss and you will have to pay
break costs if, on the day a prepayment or
switch is made, the wholesale interest rate
applicable for your remaining fixed rate term
is less than the wholesale interest rate
applicable when you began your fixed rate
period. We refer to this as the ‘difference in
wholesale interest rates’.
To calculate the amount of the break costs,
we multiply the difference in wholesale
interest rates with the remaining term in
your fixed rate period and the average loan
account balance that would have applied
during that time if you had not made any
prepayments. The amount is then converted
to its value in today’s dollars.
Please contact us if you would like to see the
formula used to work out the break costs.
Be careful with break costs
Break costs may be high - sometimes
tens of thousands of dollars. Ask us for
an estimate of the break costs and seek
independent financial advice before you
repay early or change your loan.
APP121000067183005
-- Blank --
14. Changes to your loan contract
We can make changes to your loan.
A change may apply:
• generally to customers like you (such as
all customers with the same loan
purpose) or generally to a product type
or feature; or
• to you only.
We can make a change at any time for
administrative reasons or to correct a
mistake or error, or where the change is
reasonably necessary to protect our
legitimate interests.
Other changes we can make are set out in a.
and b. below.
a. Changes we can make on a general basis
We may make some changes on a general
basis, including to:
• your interest rates (other than during a
fixed rate period), including:
- changing or substituting your
reference rate;
- changing or substituting any
discount or margin; and
- adding a new discount or margin;
• other changes to interest, including;
- how we calculate it and how often it
is charged;
• your payments, including to:
- the amount, frequency or number
of payments;
- the time for payments; and
- the method of calculation of
payments; and
• fees and charges, including to the
amount or frequency of fees and
charges. We can also introduce new
fees and charges:
- we can make other changes on a
general basis, for example, changes
we reasonably think you’ll benefit
from, or where we think the change
is reasonably necessary to reflect
changes to our business,
technological systems or
processes, pricing, regulatory and
legal requirements, directives and
guidelines.
Page 11 of 21 20 July 2022
 b. Changes we can make that will only
apply to you
We can make some changes that will only
apply to you. These are:
• changes to your credit limit (see
Reduction of credit limit section);
• changes which reduce your
obligations or give you more time to
pay us.
We can also make other changes that:
• we reasonably think are necessary to
reflect our risk associated with you,
your loan and any security;
• are administrative or correct a mistake
or omission;
• reflect changes to our business or
technological systems.
c. How we notify you of changes
• For a change to your interest rate, we
will notify you on or before the day
the change happens by sending you a
notice or by advertising the change in
a national newspaper and providing
you with details in your next
statement after the change takes
effect.
• For a change in the amount of fees
and charges or introduction of new
fees or charges, we will notify you at
least 30 days prior by sending you a
notice or by advertising the change in
a national newspaper and providing
you with details in your next
statement after the change takes
effect.
• For a change that reduces your
obligations or gives you more time to
pay us, we will give you notice as
soon as reasonably possible. This will
be not later than your next statement
after the change takes effect.
• For other changes, we will notify you
at least 30 days prior by sending you
a notice.
• We can give you a shorter notice
period(or no notice) where we believe
doing so is necessary for us to avoid,
or to reduce, a material increase in our
credit risk or our loss.
APP121000067183005
d. Changes in payments following changes
in interest rate
This section does not apply to a loan while
payments include interest, fees and charges
but not the loan amount.
If the annual percentage rate changes, we
may change the amount of your payments. If
the annual percentage rate increases and
your payments do not increase, the amount
of your final payment will increase. We won't
always notify you of this.
e. Fixed rate loan changes
Once you have accessed the loan amount
and while your loan has a fixed interest
rate, we will not vary:
• payments, unless:
- you do not make a payment
when due; or
- the amount of a fee or charge
changes or a new fee or charge
is introduced; or
• any interest rate, unless:
- you do not make a payment
when due; or
- any discount related to you
making Interest Only in
Advance payments no longer
applies;
• the method of calculation of a fee,
cost or charge payable on
prepayment or switch of product,
interest rate or payment type.
Page 12 of 21 20 July 2022
15. Security 16. Joint borrowers

a. Security details If there is more than one borrower on the

loan, each of you is liable for the full loan
You must do everything you have agreed to amount. This means we can claim the whole
do under the mortgage or other security for loan amount from any one of you.
your loan. You must ensure that all of your
statements in that mortgage or other We may act on instructions from any one of
security are true. you but if one of you tells us there is a
dispute we will confirm instructions with all
There may be fees payable if we need to borrowers. You can ask us to change this so
undertake any additional investigation or that all of you have to approve the drawing.
enquiries on a mortgaged property or if we However, if you do that some of the ways
require additional security documentation. If you are allowed to make drawings from the
there are additional costs, we will contact account, and certain features of the account,
you before settlement and ask you to pay may no longer be available to you.
those costs. If you do not agree, we will not
be able to proceed with your loan. You can give us written notice to stop your
liability for any loan amount you have not
b. Further security accessed. However, if your loan is a building
loan you cannot stop your liability until we
If at any time we reasonably consider there
issue a certificate saying the construction or
may be an issue with the enforceability of
renovation has been completed to our
the security, or the value of the security is
satisfaction.
insufficient to secure payment of amounts
owing under this loan contract, or we are not
permitted by law to hold that security, we 17. Providing us with information
may require you to provide additional You must provide any information we
security that is acceptable to us. request relating to your compliance with
However, if your loan is regulated by the your obligations under the loan contract
National Credit Code and the security (including your obligation to repay the loan
includes mortgaged property we: amount) and any other information we
reasonably request about your financial
• will only require you to provide us affairs. If we think that our security may have
with a new mortgage or security over decreased in value, that the loan may not be
the same property; and repaid as agreed or that any terms and
• may require a new guarantee. conditions of the loan or any security are not
met, we may also seek a new valuation of
We can refuse to provide further credit to any security property from an external
you under your loan contract until any valuer at your cost.
mortgage, security or guarantee we ask for
is provided.
c. Authority to fill in blanks
You authorise us to complete any
incomplete sections, correct details and date
any documents relating to the loan,
including the mortgage or other security
after you have signed.
d. Property title and value
As part of establishing your security you
must:
• ensure the title to the property you
are buying goes to you at settlement;
and
• use the loan amount for the agreed
purpose.

APP121000067183005 Page 13 of 21 20 July 2022

18. Default
You will be in default if:
• you fail to pay us an amount due
under this loan contract;
• you don’t comply with the law and in
our reasonable opinion this has a
material impact on your obligations
under this loan contract;
• you or a guarantor engage in conduct
that is misleading in an important way
in relation to this loan contract or a
security; or
• you use the loan for a non-approved
purpose.
If you are in default we may send you a
default notice.
We can require you to immediately pay the
entire loan account balance if you are in
default and:
• you do not comply with a default
notice; or
• we are not required by law to give
you a default notice.
19. Other conditions
a. Exercising our rights
We can exercise all the other rights and
powers we have under law even if they
overlap with those in the loan contract or
any security. If we do not do so as soon as
we are able to, we may do so later and may
do so more than once.
APP121000067183005
b. Regulated transactions
To the extent that this loan contract or any
security you give us is regulated by the
National Credit Code or any other consumer
credit law, then:
• our rights and powers under this loan
contract or in relation to that security
are limited as required by that law;
• the amounts you must pay under this
loan contract or that security, and
which are secured by that security, are
not more than is permitted by that law.
If any term of this loan contract:
• is unenforceable at law;
• doesn’t comply with a law; or
• imposes an obligation or confers a
right, power or remedy prohibited by
law,
that part of the term is omitted or varied to
the extent necessary to comply with that
law.
c. Delegation
We may delegate some or all of our powers
to someone else. If we do so, then anything
done by our delegate will take effect as if it
had been done by us.
d. Transfer of loan
You may not assign, novate or transfer your
rights under your loan contract or any
security for the loan.
We may assign, novate, or transfer to
someone else:
• your loan contract;
• any security related to your loan; and
• debts secured by any such security.
You agree to us giving information to that
person about you, your loan contract,
mortgage, security and debts.
e. Agreements
We can accept an agreement or
confirmation from any one of you in relation
to your loan contract (including over the
telephone or by electronic communication).
If we do this, it will be binding on all of you.
Page 14 of 21 20 July 2022
 f. Trustees
If you enter into this loan contract as trustee
of any trust, you confirm that:
• this loan contract is for the benefit of
the trust;
• you have authority to enter into this
loan contract;
• you have the right to be fully
indemnified out of trust assets for
obligations incurred under this loan
contract; and
• the trust assets are sufficient to cover
your financial obligations under this
loan contract when they are due
(taking into account all other trust
liabilities).
g. Set off / deduction
If you have money in an account with us, we
can (but do not need to) use that money to
pay amounts you owe under your loan
contract and any security.
You cannot deduct any amount you claim is
owed to you (by us or anyone else) from
what you are required to pay under your
loan contract.
h. Inactive account with a credit balance
If you have not made a payment or accessed
any additional funds from your account for 7
years, we may be required by law to close
your account and transfer any money to the
government. While we will usually notify you
of this, there may be situations where we are
unable to – for example, when your address
is out of date. If this happens you can
contact us to find out how to recover your
unclaimed money.
i. Jurisdiction
Any court cases involving your loan contract
can be held in a court of any state or
territory of Australia.
The law of the place of your address as
stated in the loan application applies to your
loan contract. However, the law of New
South Wales applies if:
• no address is stated as your address;
• your address is not in Australia; or
• there is more than one address listed
for you, and they are not all in the
same state or territory of Australia.
APP121000067183005
j. Banking Code of Practice
• The Australian Banking Association’s
banking code of practice as updated,
and adopted by us, from time to time
(Banking Code) sets out the
standards of practice and service in
the Australian banking industry for
individuals and small business
customers, and their guarantors who
are individuals.
• The relevant provisions of the Banking
Code apply to the banking services
referred to in this document. This
means that we will comply with the
Banking Code, where it applies to the
banking services provided to you.
• You can view a copy of the Banking
Code on our website or ask us for a
hard copy in branch or over the
phone.
k. Anti-Money Laundering and Counter-
Terrorism Financing
You must not use the services we provide
for any illegal purpose. You indemnify us
against any potential losses arising from any
breach by you of any Australian or overseas
laws or sanctions.
Where we consider it necessary for us to
meet our regulatory and compliance
obligations:
• you must provide us with any
information we reasonably request;
• we will disclose information we hold
to regulatory and law enforcement
agencies, other financial institutions,
third parties and members of the
Westpac Group; and
• we may delay, block, freeze or refuse
to provide any of our services. If we
do these things, we (and our
correspondents) are not liable for any
loss you suffer in connection with your
loan.
Page 15 of 21 20 July 2022
 l. Our reporting obligations
We are required to identify certain US
persons in order to meet account
information reporting requirements under
local and international laws.
If you or (where you are an entity) any
Office Bearer of the entity and/or any
Controlling Person are a US citizen or US tax
resident, you must telephone 1300 658 194
at the time of accepting these terms and
conditions. When you contact us you will be
asked to provide additional information
about your US tax status and/or the US tax
status of any Controlling Person which will
constitute certification of US tax status for
the purposes of the application to which
these terms and conditions relate.
Unless you notify us that you and/or any
Controlling Person are a US citizen or US tax
resident as specified above, accepting these
terms and conditions constitutes
certification that you and/or any Controlling
Person are not a US citizen or US tax
resident.
If at any time after account opening,
information in our possession suggests that
you and/or any Controlling Person may be a
US citizen or US tax resident, you may be
contacted to provide further information on
your US tax status and/or the US tax status
of any Controlling Person. Failure to respond
may lead to certain reporting requirements
applying to the account.
m. Accepting different copies
Different parties to this loan contract can
accept different copies of this loan contract.
This will have the same effect as if all parties
had accepted the same copy of the loan
contract.
n. Processing of transactions
Transactions after the end of a business day
are processed on the next business day.
20. Definitions
Below is an explanation of some of the
words we use in your loan contract.
Bridging loan: A short term loan to help
customers purchase a new owner occupied
property while selling their existing property.
Also known as a home relocation loan.
Building loan: A loan used for construction
or renovations where the loan amount can
be accessed in more than one instalment.
APP121000067183005
Business day: Means any day other than a
Saturday, Sunday, or a national public
holiday in Australia. A Business day, ends at
midnight Sydney time except for deposits
made at a Westpac Smart Automatic Teller
Machine (ATM) / Coin Deposit Machine
(CDM) or at Australia Post (Bank@Post), a
Business Day will end at the times in the
table below and later transactions are
processed on the next Business Day.
ATM or CDM 7pm Sydney Time
Bank@Post 6:50pm Sydney Time
Eligible Product: Any Westpac product to
which Package benefits apply.
Enforcement expense: Any amount we
reasonably spend or incur in relation to:
• enforcing or exercising our powers
under your loan contract or any
security (including any mortgage,
guarantee or any security for a
guarantee); or
• any property that is security for your
loan including amounts that are
claimed against us or our
representatives relating to that
property.
Home relocation loan: A short term loan to
help customers purchase a new owner
occupied property while selling their existing
property. Also known as a bridging loan.
Interest Only in Advance: Interest Only in
Advance is a repayment option that is also
referred as Interest in Advance.
Offset account: The eligible Westpac
transaction account which you nominate as
the offset account.
Package Home Loan: An eligible home loan
to which your Package benefits apply.
Package: Premier Advantage Package.
Package Transaction Account: An eligible
transaction account to which your Package
benefits apply.
Secured property: An asset used to secure
your loan, typically a mortgaged property.
Total home loan borrowings : The sum of
any existing or new eligible Home Loans. It
excludes any credit card, overdraft, line of
credit or personal loan borrowings.
We, us or Westpac or the Bank means
Westpac Banking Corporation ABN 33 007
457 141, AFSL and Australian credit licence
233714 and its successors and assigns.
Westpac Group: Westpac and its related
bodies corporate.
Page 16 of 21 20 July 2022
 You/your: The person or legal entity to
whom the loan offer is addressed. If there is
more than one of you, it includes any one or
more of you.

This offer is from and signed by Westpac Banking Corporation

APP121000067183005 Page 17 of 21 20 July 2022

Credit Guide and Information
Statement
Credit Guide
This Credit Guide is for Westpac Banking
Corporation ABN 33 007 457 141 Australian
Credit Licence 233714.
This Credit Guide gives you important
information about your rights and our
responsible lending practices in relation to
credit cards, home loans, residential investment
property loans and personal loans.
Assessing your application
For these loans, we will not offer a loan or loan
increase where we assess that:
 it does not meet your requirements and
objectives;
 it is likely you won’t be able to meet your
financial obligations under the loan; or
 it is likely you will only meet those
financial obligations with substantial
hardship.
If you are approved for a loan or loan increase,
we can provide you with a copy of our
assessment at no charge. If you ask, we will
give you a copy before entering into the loan
or increasing your loan. If you ask for a copy:
• within 2 years of entering into the loan or
increasing the loan, we will provide it
within 7 business days of receiving your
request; or
• after 2 years but within 7 years of
entering into the loan or increasing the
loan, we will provide it within 21 business
days of receiving your request.
Making a complaint
You can make a complaint in the following
ways:
• by calling 1300 130 467; or
• through our website
www.westpac.com.au; or
• by writing to GPO Box 5265, Sydney,
NSW 2001.
We aim to resolve your complaint at your first
point of contact with us. If we can’t resolve
your complaint at your first point of contact,
we will escalate your complaint to our
Customer Relations Team for further
investigation.
APP121000067183005
If you are not satisfied with our response, you
may lodge a complaint with the Australian
Financial Complaints Authority:
• Online: www.afca.org.au
• Email: info@afca.org.au
• Phone: 1800 931 678
• Mail: Australian Financial Complaints
Authority GPO Box 3, Melbourne VIC
3001.
Information Statement
This section applies only to credit provided for
personal, domestic or household purposes or
for investment in residential property.
THINGS YOU SHOULD KNOW ABOUT YOUR
PROPOSED CREDIT CONTRACT
This statement tells you about some of the
rights and obligations of yourself and your
credit provider. It does not state the terms and
conditions of your contract.
If you have any concerns about your contract,
contact the credit provider and, if you still have
concerns, contact the AFCA scheme, or get
legal advice.
The Contract
1. How can I get details of my proposed credit
contract?
Your credit provider must give you a
precontractual statement containing certain
information about your contract.
The precontractual statement, and this
document, must be given to you before:
• your contract is entered into; or
• you make an offer to enter into the
contract;
whichever happens first.
2. How can I get a copy of the final contract?
If the contract document is to be signed by you
and returned to your credit provider, you must
be given a copy to keep.
Also, the credit provider must give you a copy
of the final contract within 14 days after it is
made. This rule does not, however, apply, if the
credit provider has previously given you a copy
of the contract document to keep.
If you want another copy of your contract,
write to your credit provider and ask for one.
Your credit provider may charge you a fee.
Your credit provider has to give you a copy:
• within 14 days of your written request if
the original contract came into existence
1 year or less before your request; or
• otherwise within 30 days of your written
request.
Page 18 of 21 20 July 2022
3. Can I terminate the contract?
Yes. You can terminate the contract by writing
to the credit provider so long as:
• you have not obtained any credit under
the contract; or
• a card or other means of obtaining credit
given to you by your credit provider has
not been used to acquire goods or
services for which credit is to be
provided under the contract.
However, you will still have to pay any fees or
charges incurred before you terminated the
contract.
4. Can I pay my credit contract out early?
Yes. Pay your credit provider the amount
required to pay out your credit contract on the
day you wish to end your contract.
5. How can I find out the pay out figure?
You can write to your credit provider at any
time and ask for a statement of the pay out
figure as at any date you specify. You can also
ask for details of how the amount is made up.
Your credit provider must give you the
statement within 7 days after you give your
request to the credit provider. You may be
charged a fee for the statement.
6. Will I pay less interest if I pay out my
contract early?
Yes. The interest you can be charged depends
on the actual time money is owing. However,
you may have to pay an early termination
charge (if your contract permits your credit
provider to charge one) and other fees.
7. Can my contract be changed by my credit
provider?
Yes, but only if your contract says so.
8. Will I be told in advance if my credit provider
is going to make a change in the contract?
That depends on the type of change. For
example:
You get at least same day notice for a change
to an annual percentage rate. That notice may
be a written notice to you or a notice published
in a newspaper.
You get 20 days advance written notice for:
• a change in the way in which interest is
calculated; or
• a change in credit fees and charges; or
• any other changes by your credit
provider;
except where the change reduces what you
have to pay or the change happens
automatically under the contract.
APP121000067183005
9. Is there anything I can do if I think that my
contract is unjust?
Yes. You should first talk to your credit
provider. Discuss the matter and see if you can
come to some arrangement.
If that is not successful, you may contact the
AFCA scheme. This is a free service established
to provide you with an independent mechanism
to resolve specific complaints. The AFCA
scheme can be contacted at:
Australian Financial Complaints Authority:
• Online: www.afca.org.au
• Email: info@afca.org.au
• Phone: 1800 931 678
• Mail: Australian Financial Complaints
Authority GPO Box 3, Melbourne VIC
3001
Alternatively, you can go to court. You may
wish to get legal advice, for example from your
community legal centre or Legal Aid.
You can also contact ASIC, the regulator, for
information on 1300 300 630 or through ASIC’s
website at www.asic.gov.au.
Insurance
10. Do I have to take out insurance?
Your credit provider can insist you take out or
pay the cost of types of insurance specifically
allowed by law. These are compulsory third
party personal injury insurance, mortgage
indemnity insurance or insurance over property
covered by any mortgage. Otherwise, you can
decide if you want to take out insurance or not.
If you take out insurance, the credit provider
can not insist that you use any particular
insurance company.
11. Will I get details of my insurance cover?
Yes, if you have taken out insurance over
mortgaged property or consumer credit
insurance and the premium is financed by your
credit provider. In that case the insurer must
give you a copy of the policy within 14 days
after the insurer has accepted the insurance
proposal.
Also, if you acquire an interest in any such
insurance policy which is taken out by your
credit provider then, within 14 days of that
happening, your credit provider must ensure
you have a written notice of the particulars of
that insurance.
You can always ask the insurer for details of
your insurance contract. If you ask in writing
your insurer must give you a statement
containing all the provisions of the contract.
Page 19 of 21 20 July 2022
12. If the insurer does not accept my proposal,
will I be told?
Yes, if the insurance was to be financed by the
credit contract. The insurer will inform you if
the proposal is rejected.
13. In that case, what happens to the
premiums?
Your credit provider must give you a refund or
credit unless the insurance is to be arranged
with another insurer.
14. What happens if my credit contract ends
before any insurance contract over mortgaged
property?
You can end the insurance contract and get a
proportionate rebate of any premium from the
insurer.
Mortgages
15. If my contract says I have to give a mortgage,
what does this mean?
A mortgage means that you give your credit
provider certain rights over any property you
mortgage. If you default under your contract,
you can lose that property and you might still
owe money to the credit provider.
16. Should I get a copy of my mortgage?
Yes. It can be part of your credit contract or, if
it is a separate document, you will be given a
copy of the mortgage within 14 days after your
mortgage is entered into.
However you need not be given a copy if the
credit provider has previously given you a copy
of the mortgage document to keep.
17. Is there anything that I am not allowed to do
with the property I have mortgaged?
The law says you can not assign or dispose of
the property unless you have your credit
provider’s, or the court’s, permission. You must
also look after the property. Read the
mortgage document as well. It will usually have
other terms and conditions about what you can
or cannot do with the property.
APP121000067183005
18. What can I do if I find that I cannot afford
my repayments and there is a mortgage over
property?
See the answers to questions 22 and 23.
Otherwise you may:
• if the mortgaged property is goods, give
the property back to your credit
provider, together with a letter saying
you want the credit provider to sell the
property for you;
• sell the property, but only if your credit
provider gives permission first;
OR
• give the property to someone who may
then take over the repayments, but only
if your credit provider gives permission
first.
If your credit provider won’t give permission,
you can contact the AFCA scheme for help.
If you have a guarantor, talk to the guarantor
who may be able to help you.
You should understand that you may owe
money to your credit provider even after
mortgaged property is sold.
19. Can my credit provider take or sell the
mortgaged property?
Yes, if you have not carried out all of your
obligations under your contract.
20. If my credit provider writes asking me
where the mortgaged goods are, do I have to
say where they are?
Yes. You have 7 days after receiving your credit
provider’s request to tell your credit provider. If
you do not have the goods you must give your
credit provider all the information you have so
they can be traced.
21. When can my credit provider or its agent
come into a residence to take possession of
mortgaged goods?
Your credit provider can only do so if it has the
court’s approval or the written consent of the
occupier which is given after the occupier is
informed in writing of the relevant section in
the National Credit Code.
Page 20 of 21 20 July 2022
General THE AFCA SCHEME IS A FREE SERVICE

22. What do I do if I cannot make a repayment? ESTABLISHED TO PROVIDE YOU WITH AN

INDEPENDENT MECHANISM TO RESOLVE
Get in touch with your credit provider
immediately. Discuss the matter and see if you SPECIFIC COMPLAINTS. THE AFCA SCHEME
can come to some arrangement. You can ask CAN BE CONTACTED AT:
your credit provider to change your contract in
a number of ways: Australian Financial Complaints Authority:
• to extend the term of your contract and
reduce payments; or • Online: www.afca.org.au
• to extend the term of your contract and • Email: info@afca.org.au
delay payments for a set time; or • Phone: 1800 931 678
• to delay payments for a set time. • Mail: Australian Financial Complaints
Authority GPO Box 3, Melbourne VIC
3001
23. What if my credit provider and I cannot
agree on a suitable arrangement?
PLEASE KEEP THIS INFORMATION
If the credit provider refuses your request to STATEMENT. YOU MAY WANT SOME
change the repayments, you can ask the credit
provider to review this decision if you think it is INFORMATION FROM IT AT A LATER DATE.
wrong.
If the credit provider still refuses your request
you can complain to the AFCA scheme. Further
details about this scheme are set out below in
question 25.

24. Can my credit provider take action against

me?
Yes, if you are in default under your contract.
But the law says that you cannot be unduly
harassed or threatened for repayments. If you
think you are being unduly harassed or
threatened, contact the AFCA scheme, ASIC, or
get legal advice.

25. Do I have any other rights and obligations?

Yes. The law will give you other rights and
obligations. You should also READ YOUR
CONTRACT carefully.

IF YOU HAVE ANY COMPLAINTS ABOUT

YOUR CREDIT CONTRACT, OR WANT MORE
INFORMATION, CONTACT YOUR CREDIT
PROVIDER. YOU MUST ATTEMPT TO RESOLVE
YOUR COMPLAINT WITH YOUR CREDIT
PROVIDER BEFORE CONTACTING THE AFCA
SCHEME. IF YOU HAVE A COMPLAINT WHICH
REMAINS UNRESOLVED AFTER SPEAKING TO
YOUR CREDIT PROVIDER YOU CAN CONTACT
THE AFCA SCHEME OR GET LEGAL ADVICE.

APP121000067183005 Page 21 of 21 20 July 2022

Loan acceptance.
This offer is for

Korapat Kirdpan.
To accept this offer, sign, date and return it to us by 03 August 2022. If we receive your
acceptance after that date, your acceptance will only be effective where this is consistent with
us complying with our responsible lending obligations.

This document forms part of your Loan Contract and Loan Authority.
Your Loan Contract is made up of Your loan offer, Additional Information and this document.

By signing below, I confirm:

• I have read and understood the Loan Contract.
• the information in my Loan application remains correct as at the signing date, and
• the details in the Loan authority document.

Important Information about your Loan Contract

Things you must know
• Once you accept the contract, you will be bound by it. However, you may end the
contract before you obtain credit by telling us in writing, but you will still be liable for
any fees or charges already incurred.
• You do not have to take out consumer credit insurance unless you want to. However,
you must take out insurance over any mortgaged property that is used as security, such
as a house.
• If you take out insurance, we cannot require you to use any particular insurance
company.
• We can vary the annual percentage rate (the interest rate), the repayments and the fees
and charges and can add new fees and charges without your consent.
• We can charge a fee if you pay the loan out early.
Before you sign
• Please read your Loan Contract so that you know exactly what contract you are
entering into and what you will have to do under the contract.
• You should also read the Information Statement: Things you should know about your
proposed credit contract located in the Loan Contract.
• Ensure you get a copy of your Loan Contract.
• Please do not accept the contract if there is anything you do not understand.

Please sign below

Signed by Korapat Kirdpan
Signature Date

UNQ20220720000000731609
APP121000067183005 20 July 2022
Loan application – what we discussed.
Loan applicant:
Korapat Kirdpan
Our reference: SUB200620220154346

We want to ensure you receive an offer that best suits your circumstances.

This document summarises the needs, goals and circumstances you shared with us when you
applied. Please review prior to accepting your documents. If anything is incorrect, notify us and
do not accept your documents until any updates occur.

These details may have changed since we discussed your application. The information is
current as of 20 July 2022 which is when your application was submitted.

Home loan 1 – your plans.

You are asking to borrow $400,000 to repay over 1 year for the following purpose: Purchase of
owner occupied individual residential blocks of land.

Personal Use Goods.

You indicated you won’t be using any part of the loan proceeds for personal use.

Home loan 2 – your plans.

You are asking to borrow $200,000 to repay over 30 years for the following purpose: Purchase
of owner occupied individual residential blocks of land.

Personal Use Goods.

You indicated you won’t be using any part of the loan proceeds for personal use.

Your priorities.

Variable Interest Rate.

You told us you want a variable rate on your loans for the following reasons:
• Home loan 1
• To take advantage of potential future decreases in the interest rate
• Home loan 2
• To take advantage of potential future decreases in the interest rate
Things to consider are:
• Interest rate and repayment amount may increase while the loan is on a variable rate.

Westpac Banking Corporation

APP121000067183005 ABN 33 007 457 141 AFSL and Australian credit licence 233714 20 July 2022
Principal and Interest Payments.
You indicated you want to pay principal and interest on your home loan 2 for the following
reason:
• Higher lending limit

Interest Only Payments.

You told us you want interest only for a period of time on your home loan 1 for the following
reason:
• Taxation or accounting reasons ( no tax advice was given)
Things to consider are:
 higher interest rates may apply to interest only loans
 interest only payments will not reduce the loan principal more interest will be paid over the
course of the loan
 the principal and interest payments after the interest-only period will be required and will
be higher to make up for the principal payment shortfall
 the amount of equity that is built-up in the property securing the loan will be less with an
interest only loan.

Bridging Loan.
You told us you want a Bridging loan. You have indicated that you need to buy a new property
before you sell your owner-occupied home.

Things to consider are:

 interest repayments are capitalised during the bridging period, and you will pay interest on
those interest repayments
 interest rate increases by 1% after the first 3 months of the bridging period
 you cannot redraw funds while in a bridging period.

Redraw Option.
You told us that you would like a redraw option on your loans for the following reasons:
• Home loan 2
• Flexibility to access prepaid funds if needed
Things to consider are:
• redraw may be subject to our discretion

APP121000067183005 Page 2 of 7 20 July 2022

 Your personal details.
Korapat Kirdpan

Your current home address 1 Kent Street

Bellambi NSW 2518

Residential status Owned

Mailing address 1 Kent Street

Bellambi NSW 2518

Phone number 0487656789

Email address kirdpan@gmail.com

Date of birth 18/12/1990

Marital Status Single

No. of dependants (excl. spouse)

Employment

Occupation ELECTRICAL FITTER/ELECTRICAL APPLIANCE

SERVICER

Employer name rester

Employment start date Dec 2012

APP121000067183005 Page 3 of 7 20 July 2022

 Your current financial position.
Korapat Kirdpan

Assets (what you own).

No details provided

Income (what you earn). Note: any cent values rounded

Gross income (before tax).

Description Monthly gross income Annual gross income

Base salary $20,000 $240,000

Total gross annual income $240,000

Liabilities (what you owe).

No details provided

APP121000067183005 Page 4 of 7 20 July 2022

Expenses (what you spend). Note: any cent values rounded

Monthly expenses.

Description Monthly payment

Telephone, internet, pay TV and media streaming subscriptions $800

Public or Govt Primary & Secondary Education Costs $500

Insurance (Life, Health, Sickness and Personal Accident) $500

Recreation and entertainment (including Tobacco, alcohol, gambling, restaurants, $500

membership fees, pet care, holidays)

Rent/Board (post Settlement) $0

Comments: Company / Employer / Business Provided
Transport (including public transport, car usage, parking, tolls etc.) $800

Insurance (excluding life, health, sickness and personal accident) $500

Primary Residence costs (including Insurance) $500

Clothing and personal care (Including footwear, cosmetics etc.) $500

Investment Property costs (including Insurance) $0

Secondary Residence / Holiday Home costs (including Insurance) $800

Groceries $500

Higher education and vocational training costs (excluding HECS/HELP) $500

Owner occupied primary residence land tax, body corporate and strata fees $500

Childcare (including nannies and day care) $0

Other regular or recurring expenses $0

Comments: ok
Medical and health (excluding health insurance) $500

Child Support / Alimony $0

Private schooling and tuition costs $500

Total monthly expenses $7,900

Expected changes to your financial position.

Will you be renting/boarding post settlement? No

APP121000067183005 Page 5 of 7 20 July 2022

 Does the applicant plan or anticipate changes No
(other than retirement) to their future financial
circumstances that could ADVERSELY impact
their ability to repay the loan?

APP121000067183005 Page 6 of 7 20 July 2022

 Details of security offered.

First property to be mortgaged.

Address details 13 Kitchener Avenue

Concord NSW 2137

Type of title Real Property/ Torrens

Property type House Established

Occupancy Owner Occupied

Estimated market value $700,000

Purchase/contract price $700,000

Second property to be mortgaged.

Address details of the proposed selling 32 Donaghue Street

property Giru QLD 4809

Type of title Real Property/ Torrens

Property type House Established

Occupancy Owner Occupied

Estimated market value $600,000

Purchase/contract price $600,000

APP121000067183005 Page 7 of 7 20 July 2022

Your loan authority.
To: Korapat Kirdpan
Loan Accounts: 1 - Bridging Loan
2 - Rocket Repay Home Loan

Instructions for completing your loan authority.

If you need to provide missing details or amend any details previously provided, then you must
sign and return this form.
• All borrowers must sign
• If you need to change a detail, cross it out and fill in the corresponding box
• If you need to add a detail, fill in the corresponding box
Return the completed document with your signed loan documents or to your lender James
Carter on james.carter@banksa.com.au.
You should also keep a copy for your records.

Establishing your loan.

Direction to Pay Funds

Loan Fees and Charges:

I authorise Westpac to deduct all Initial Fees & Charges as listed in the Loan Contract from loan
proceeds.
Loan Proceeds:
I authorise Westpac to deduct and pay directly to the credit provider, by depositing into my
Westpac account or by bank cheque the amounts (if any) specified in the Loan Contract under
the heading How the loan amount will be paid.

Surplus of Funds
The Westpac account I nominate below can be credited with surplus funds, where money is
leftover after the setup of my loan.
Please note: the Account nominated for surplus funds cannot be a fixed rate loan account.

BSB Number: Not Provided

Account Number: Not Provided

Westpac Banking Corporation

APP121000067183005 ABN 33 007 457 141 AFSL and Australian credit licence 233714 20 July 2022
Shortfall of Funds
The Westpac account I nominate below can be debited to meet a shortfall of funds, where
additional money is needed to set up my loan.

I understand that the settlement may be delayed, or funds cannot be provided if there isn’t
enough money in this account to meet any shortfall of funds. Please note: If the debiting
account is in joint names then the authority of all account holders is required.

BSB Number: Not Provided

Account Number: Not Provided

Other Details.
Premier Advantage Package
Payment of Annual Package Fee
I authorise Westpac to debit the Annual Package Fee from my Loan Account within six weeks
of the yearly anniversary of the date I first draw on the loan.

Solicitor/Agent/Conveyancer Details
I nominate the following Solicitor/Agent/Conveyancer to act on my behalf during the
settlement process:

Name of Solicitor/Agent/Conveyancer:

Company Name:

ABN:

Address (incl Postcode):

Phone Number:

Fax Number:

Email:

APP121000067183005 Page 2 of 3 20 July 2022

Offset Transaction Account
I have nominated the following Westpac Choice or Classic Plus account as my Loan Offset
account.

Account Name: Korapat Kirdpan

BSB Number: Not Provided

Westpac Choice or Classic

Plus Account Number: Not Provided

Direct Debit Request

I authorise and request Westpac Banking Corporation, user ID Number 037300, to debit from
the account nominated below through the Bulk Electronic Clearing System the following
amounts:

• The periodic payments identified under the heading Direct Debit Payment Arrangement (if
I choose monthly and I do not elect to pay more than the minimum amount, this will initially
be the amount of the payment stated in my Loan Contract), and
• Any other amount which Westpac Banking Corporation may charge me under the Loan
Contract, as varied from time to time.

I accept that the direct debit will be subject to the terms of the Direct Debit Request Service
Agreement accompanying this Loan Authority.

BSB Number: Not Provided

Account Number: Not Provided

Direct Debit Payment Arrangement

You have elected to make your loan payments as follows:

Frequency: Not Provided

Amount: Not Provided

To set up or amend the payment arrangement, please select an option below:

Monthly (minimum payment)

Fortnightly (half of the monthly amount)
Weekly (quarter of the monthly amount)
Set amount paid monthly

APP121000067183005 Page 3 of 3 20 July 2022

Your loan authority.
To: Korapat Kirdpan
Loan Accounts: 1 - Bridging Loan
2 - Rocket Repay Home Loan
This document summarises the account authorities you provided to us. You can update these
details using a loan authority amendment form which can be requested from your lender or
accessed online after your loan acceptance.

How to access online:

1. Logon to Westpac Online Banking

2. Select your Home Loan tile
3. Select ‘View documents’ on the ‘Track your application’ page
4. Download the ‘Loan Authority Amendment’ form from the ‘Documents to action’ page

We’re missing the details listed below which are required before settlement:
• Surplus of Funds Account
• Shortfall of Funds Account
• Offset Transaction Account
• Direct Debit Request

Establishing your loan.

Direction to Pay Funds

Loan Fees and Charges:

I authorise Westpac to deduct all Initial Fees & Charges as listed in the Loan Contract from loan
proceeds.
Loan Proceeds:
I authorise Westpac to deduct and pay directly to the credit provider, by depositing into my
Westpac account or by bank cheque the amounts (if any) specified in the Loan Contract under
the heading How the loan amount will be paid.

Surplus of Funds
The Westpac account I nominate below can be credited with surplus funds, where money is
leftover after the setup of my loan.
Please note: the Account nominated for surplus funds cannot be a fixed rate loan account.

BSB Number: Not Provided

Account Number: Not Provided

Westpac Banking Corporation

APP121000067183005 ABN 33 007 457 141 AFSL and Australian credit licence 233714 20 July 2022
Shortfall of Funds
The Westpac account I nominate below can be debited to meet a shortfall of funds, where
additional money is needed to set up my loan.

I understand that the settlement may be delayed, or funds cannot be provided if there isn’t
enough money in this account to meet any shortfall of funds. Please note: If the debiting
account is in joint names then the authority of all account holders is required.

BSB Number: Not Provided

Account Number: Not Provided

Other Details.
Premier Advantage Package
Payment of Annual Package Fee
I authorise Westpac to debit the Annual Package Fee from my Loan Account within six weeks
of the yearly anniversary of the date I first draw on the loan.

APP121000067183005 Page 2 of 3 20 July 2022

Offset Transaction Account
I have nominated the following Westpac Choice or Classic Plus account as my Loan Offset
account.

Account Name: Korapat Kirdpan

BSB Number: Not Provided

Westpac Choice or Classic Plus Account

Number: Not Provided

Direct Debit Request

I authorise and request Westpac Banking Corporation, user ID Number 037300, to debit from
the account nominated below through the Bulk Electronic Clearing System the following
amounts:

• The periodic payments identified under the heading Direct Debit Payment Arrangement (if
I choose monthly and I do not elect to pay more than the minimum amount, this will initially
be the amount of the payment stated in my Loan Contract), and
• Any other amount which Westpac Banking Corporation may charge me under the Loan
Contract, as varied from time to time.

I accept that the direct debit will be subject to the terms of the Direct Debit Request Service
Agreement accompanying this Loan Authority.

BSB Number: Not Provided

Account Number: Not Provided

Direct Debit Payment Arrangement

You have elected to make your loan payments as follows:

Frequency: Not Provided

Amount: Not Provided

To set up or amend the payment arrangement, please select an option below:

Monthly (minimum payment)

Fortnightly (half of the monthly amount)
Weekly (quarter of the monthly amount)
Set amount paid monthly

APP121000067183005 Page 3 of 3 20 July 2022

Direct Debit Request Service Agreement
This Agreement sets out your rights and responsibilities when making loan payments by direct debit.
Our Commitment to You
• We will debit your nominated account in accordance with your Direct Debit Request.
• We will give you at least 14 days’ notice to the latest email address you provided to us if we need to
change your direct debit arrangements.
• We will keep all information relating to your nominated account confidential, except where required for
the purposes of conducting direct debits with your financial institution or in connection with claims
made on us relating to an alleged incorrect debit.

Your Commitment to Us
• Please ensure that direct debits can be made from your nominated account as direct debiting is not
available on all accounts. If you are uncertain about this or have any queries about how to complete the
Direct Debit Request, please check with the financial institution where your account is held.
• Please check your nominated account details against a recent statement before completing the Direct
Debit Request.
• Please ensure that there are sufficient funds available in the nominated account to allow payments to
be made in accordance with your Direct Debit Request. If there are insufficient funds available in your
account you must arrange for the payment to be made by another method or arrange for sufficient
funds to be available in your account by an agreed time so that we can process the debit payment.
• Please check your account statement to verify that the amounts debited are correct.
• You need to let us know as soon as possible if the nominated account is transferred or closed or your
account details change.
• If your direct debit arrangements are cancelled for any reason, you need to arrange an alternative
method of making the payment.
• Please ensure that all account holders for the nominated account sign the Loan Authority.

Can You Change the Direct Debit Payment Arrangements?

• You need to give us 7 days’ notice before your next scheduled payment for any of the following:
o stopping an individual payment;
o deferring a payment;
o suspending future payments;
o cancelling the payments completely; or
o altering the payment amount or payment cycle.
• You can make all of these changes by calling us on 132 558. You may also stop an individual payment
or cancel your Direct Debit Request by contacting the financial institution where your nominated
account is held.
Other Information
• If your due date for a loan payment falls on a weekend or a national public holiday, we will
automatically debit your nominated account on the next business day. If you are uncertain as to when a
debit will be processed from your nominated account, please check with the financial institution where
your nominated account is held.
• If your financial institution cannot withdraw the nominated amount from your account (for example,
there’s not enough money in your account), they may dishonour the withdrawal and they may charge a
fee and/or interest.
• If you believe there has been an error in debiting your nominated account, please contact us as soon as
possible on 132 558. If we conclude that your account has been incorrectly debited, we will arrange for
your financial institution to adjust your account accordingly. If we conclude that your account has been
correctly debited, we will inform you why in writing.
• If you'd like to notify us in writing about anything relating to this agreement, you should write to
loanmaintenance@mortgage.westpac.com.au. We will notify you by sending a notice to the latest email
or mailing address you provided to us.

APP121000067183005 Page 1 of 2 20 July 2022

Understanding Options for Getting Ahead
I would like to pay half the monthly payment fortnightly:
If your minimum monthly payment is $1,000, then half your monthly payment will be $500 debited
fortnightly. A standard fortnightly payment is calculated as follows: (Monthly payment of $1,000 x 12
months in a year, divided by 26 fortnights = $461.55). Therefore, paying half the monthly payment
fortnightly gets you ahead in payments.
I would like to pay a quarter of the monthly payment each week:
If your minimum monthly payment is $1,000, then a quarter will be $250, debited weekly. A standard
weekly payment is calculated as follows: (Monthly payment of $1,000 x 12 months, divided by 52 weeks =
$230.76). Therefore, paying weekly gets you ahead in payments.
I would like to pay a set amount of:
If you choose to pay a set amount, it must be above your current minimum payment amount. For example,
your minimum payments amount is $1,400. Your set amount must be above $1,400. If there is an interest
rate change and your set amount falls below your minimum required payment amount, we will
automatically reset your payment amount to the new minimum. We will provide you 30 days’ notice in
writing prior to doing this to notify you of the change.

Authorisations

By signing below I confirm that I:

• am authorised to operate the accounts nominated in this document including the Direct
Debit Request

• have read and accepted the Direct Debit Request Service Agreement and authorise
Westpac to act in accordance with the instructions in this document.

Signed by Korapat Kirdpan

Signature Date

APP121000067183005 Page 2 of 2 20 July 2022

Direct Debit Request Service Agreement
This Agreement sets out your rights and responsibilities when making loan payments by direct debit.
Our Commitment to You
• We will debit your nominated account in accordance with your Direct Debit Request.
• We will give you at least 14 days’ notice to the latest email address you provided to us if we need to
change your direct debit arrangements.
• We will keep all information relating to your nominated account confidential, except where required for
the purposes of conducting direct debits with your financial institution or in connection with claims
made on us relating to an alleged incorrect debit.

Your Commitment to Us
• Please ensure that direct debits can be made from your nominated account as direct debiting is not
available on all accounts. If you are uncertain about this or have any queries about how to complete the
Direct Debit Request, please check with the financial institution where your account is held.
• Please check your nominated account details against a recent statement before completing the Direct
Debit Request.
• Please ensure that there are sufficient funds available in the nominated account to allow payments to
be made in accordance with your Direct Debit Request. If there are insufficient funds available in your
account you must arrange for the payment to be made by another method or arrange for sufficient
funds to be available in your account by an agreed time so that we can process the debit payment.
• Please check your account statement to verify that the amounts debited are correct.
• You need to let us know as soon as possible if the nominated account is transferred or closed or your
account details change.
• If your direct debit arrangements are cancelled for any reason, you need to arrange an alternative
method of making the payment.
• Please ensure that all account holders for the nominated account sign the Loan Authority.

Can You Change the Direct Debit Payment Arrangements?

• You need to give us 7 days’ notice before your next scheduled payment for any of the following:
o stopping an individual payment;
o deferring a payment;
o suspending future payments;
o cancelling the payments completely; or
o altering the payment amount or payment cycle.
• You can make all of these changes by calling us on 132 558. You may also stop an individual payment
or cancel your Direct Debit Request by contacting the financial institution where your nominated
account is held.
Other Information
• If your due date for a loan payment falls on a weekend or a national public holiday, we will
automatically debit your nominated account on the next business day. If you are uncertain as to when a
debit will be processed from your nominated account, please check with the financial institution where
your nominated account is held.
• If your financial institution cannot withdraw the nominated amount from your account (for example,
there’s not enough money in your account), they may dishonour the withdrawal and they may charge a
fee and/or interest.
• If you believe there has been an error in debiting your nominated account, please contact us as soon as
possible on 132 558. If we conclude that your account has been incorrectly debited, we will arrange for
your financial institution to adjust your account accordingly. If we conclude that your account has been
correctly debited, we will inform you why in writing.
• If you'd like to notify us in writing about anything relating to this agreement, you should write to
loanmaintenance@mortgage.westpac.com.au. We will notify you by sending a notice to the latest email
or mailing address you provided to us.

APP121000067183005 Page 1 of 2 20 July 2022

Understanding Options for Getting Ahead
I would like to pay half the monthly payment fortnightly:
If your minimum monthly payment is $1,000, then half your monthly payment will be $500 debited
fortnightly. A standard fortnightly payment is calculated as follows: (Monthly payment of $1,000 x 12
months in a year, divided by 26 fortnights = $461.55). Therefore, paying half the monthly payment
fortnightly gets you ahead in payments.
I would like to pay a quarter of the monthly payment each week:
If your minimum monthly payment is $1,000, then a quarter will be $250, debited weekly. A standard
weekly payment is calculated as follows: (Monthly payment of $1,000 x 12 months, divided by 52 weeks =
$230.76). Therefore, paying weekly gets you ahead in payments.
I would like to pay a set amount of:
If you choose to pay a set amount, it must be above your current minimum payment amount. For example,
your minimum payments amount is $1,400. Your set amount must be above $1,400. If there is an interest
rate change and your set amount falls below your minimum required payment amount, we will
automatically reset your payment amount to the new minimum. We will provide you 30 days’ notice in
writing prior to doing this to notify you of the change.

APP121000067183005 Page 2 of 2 20 July 2022

 Westpac Home Ownership
Services
bgddbg rere GPO Box 2370
34 Festival Street Adelaide SA 5001
Diggers Rest VIC 3427 Telephone No: 132 558
Facsimile No: (08) 8113 2551
Our reference: SUB200620220154346

Our customer(s):
Korapat Kirdpan
20 July 2022

Dear bgddbg rere,

This loan application has been unconditionally approved.

As you are doing the conveyancing for the purchase of the property at 13 Kitchener Avenue,
Concord NSW 2137, we are writing to let you know what we need to ensure settlement takes
place on time.

What you need to do

1. Complete the tasks under the accompanying Settlement checklist.
2. Arrange settlement.

How to provide us with documents

If you have not already provided the required documents to us at Westpac, you can either:
• email the documents to SettlementInstructionsWBC@westpac.com.au;
• drop the documents into a Westpac local branch; or
• send the documents to:
Westpac Home Ownership Services,
GPO Box 2370,
Adelaide SA 5001

How to arrange settlement

You can settle in person or electronically.

Settling in person

• Call 1300 367 449 at least two business days before settlement to book a settlement time.
For example, book on Wednesday for a Friday settlement.
• Prior to settlement, make sure the property title is accurate and settlement documents are
valid.
• For disbursement instructions, provide us details in writing of any bank cheques required no
later than the business day before settlement.

Settling electronically
• Send us an electronic invitation as soon as possible.
• Before you lodge them electronically, check that the documents are valid.
• For disbursement instructions, please enter the disbursement details into the online
electronic settlement workspace no later than the business day before settlement.

Westpac Banking Corporation

APP121000067183005 ABN 33 007 457 141 AFSL and Australian credit licence 233714 20 July 2022
Don’t forget the loan application number
Please write the following loan application number on all correspondence you send us:
SUB200620220154346.

We’re here to help

We look forward to working with you. If you have any questions, please call us on 1300 367 449.

Kind regards,

The Westpac Home Ownership Team

APP121000067183005 Page 2 of 3 20 July 2022

Settlement checklist
What you must do immediately
Check the buyer and property
We have the following details about this property purchase. Contact us immediately if any of
the details, including spelling, are incorrect.

Buyer full name(s) : Korapat Kirdpan

Purchase property : 13 Kitchener Avenue, Concord NSW 2137
Purchase price : $700,000
Title held as : Single
Land Title Reference : 1528

Provide settlement documents

• The completed Contract of Sale;

• The full title details or a copy of the title search;
• A copy of the transfer;
• Provide us a copy or explanation of any special or unusual conditions in the Contract of
Sale that may affect the property’s value, for example, if a cash rebate is payable when
certain conditions are met;
• For head party or directing party transfer, a copy of Double Transfers and Directing Party
transfers;
• A copy of the most recent survey report;
• Section 149 Certificate.

What you must do before or at settlement

Before settlement

• A property insurance policy, noting our name as an insured under the policy as follows:
Westpac Banking Corporation and/or assigns as an insured for its rights and interests, C/-
Loan Servicing, GPO Box 2370, SA, 5001.
• Evidence that any existing loans have been paid in full.

At Settlement

• The Certificate of Title;

• The discharge of any existing encumbrances;
• The original Transfer;
• The completed Notice of Sale and Transfer of Land;
• For head party and directing party transfers we require an undertaking to:
o deal with any orders relating to the transfer
o cover any transfer fees – for example, stamp duty and registration fees
o help us register the transfer.
• Final title search.

APP121000067183005 Page 3 of 3 20 July 2022

Your mortgage agreement
Guidelines for accepting the mortgage agreement

What is the mortgage agreement?

A mortgage is an arrangement where you (the “mortgagor”) provide property as security for the loan
offered by us (the “mortgagee”).

The mortgage agreement consists of the Mortgage Terms (which details the terms and conditions of
the mortgage) and the Mortgage Form (which adds us to the title of the property for the life of the
loan). If you electronically sign the mortgage agreement, it also includes the acceptance screen.

It’s different from (but accompanies) your Loan Contract, which details the terms and conditions of the
home loan you’re receiving from us.

How to accept the mortgage agreement

1. Read the Mortgage Agreement
2. The Mortgage Form must be signed:
 by all mortgagors (including any owners not receiving the loan)
 in the presence of an acceptable witness (see Instructions for you and your witness)
 using blue or black pen with no alterations or corrections
3. Return the completed Mortgage Form only as soon as possible. Any delay may slow the loan
completion process, or even cause the offer to expire and require you to re-apply.
 in person to your nearest branch, or
 by post to:
The Westpac Home Ownership Team
Reply Paid 85480
Adelaide SA 5001
4. If you’d like us to provide a printed version, please contact your lender or call us on 132 558.
Mortgage Terms
1. Your obligations
a. What you must pay
You must pay us all money that you owe
us now or in the future under this
mortgage or a secured arrangement. A
secured arrangement is any arrangement
which you have agreed is secured by this
mortgage (for example, a home loan or a
guarantee).
You mortgage the property to us to
secure payment of these amounts.
We will discharge this mortgage at your
request when you have paid all of the
amounts secured by this mortgage.
b. What you confirm
You confirm that each of these
statements is true and must tell us if this
changes at any time:
• you own the property or will upon
settlement;
• having made reasonable enquiries, to
the best of your knowledge no one
else has any interest in or rights over
the property, except:
- as set out on the Mortgage Form
or noted on the titles register; and
- leases which you have told us
about in writing;
• you do not own the property as
trustee (unless you have told us in
writing);
• having made reasonable enquiries, to
the best of your knowledge there is
nothing on or relating to the property
which might lead to a claim against
you or us;
• all information you have given us in
connection with this mortgage and
any secured arrangement is
complete, correct and not
misleading;
Westpac Banking Corporation
APP121000067183005 ABN 33 007 457 141 AFSL and Australian credit licence 233714
• you haven’t withheld any information
that we reasonably consider would
have caused us not to enter into this
mortgage or any secured
arrangement; and
• there is no default (see the Default
section).
c. Additional confirmation if you are a
corporation
If you are a corporation, you also confirm
that each of these statements is true and
must tell us if this changes at any time:
• you will be able to satisfy your
obligations to us under this
mortgage;
• entering into and complying with this
mortgage will not result in you
breaching any law or obligation you
have to any other person or your
constituent documents;
• you are not a subsidiary of, nor
controlled by, a listed company
within the meaning of the
Corporations Act 2001 (Cth);
• you will obtain a commercial benefit
from entering into this mortgage; and
• your obligations under this mortgage
are enforceable according to its
terms (and you have not claimed
they are not).
d. Additional confirmations if this is a
mortgage of a lease
If all or part of the property is a lease,
you also confirm that each of these
statements is true and must tell us if
this changes at any time:
• having made reasonable enquiries, to
the best of your knowledge each
other party to the lease has complied
with its obligations under the lease
and they don’t have any right,
without your consent, to:
20 July 2022
 - vary the lease or bring it to an
end;
- refuse to comply with any of
their obligations under the lease;
• you’ve obtained the written consent
of the landlord and any other
relevant person to the granting of,
and exercise of, our rights in
connection with, this mortgage, any
sub-lease, licences and other
arrangements in connection with the
lease;
• you’ve complied with the
requirements, if any, in any consent
you’ve obtained; and
• you’ve told us about any occupants
of the land and the terms of
occupancy.
e. Your other obligations
Secured arrangements
You must comply with each secured
arrangement.
Protect the security
You must do whatever we reasonably ask
to:
• maintain and protect:
- the property and its value;
- your title to the property; and
- our interest in the property;
Maintenance work
You must:
• maintain and protect the property
and its value; and
• tell us if the property is defective or
damaged in a way that could affect
the value of the property.
Building work
You must:
• get our consent and all necessary
approvals from authorities before
you carry out or permit any building
work;
• ensure that any building work
complies with the law, including
requirements of authorities,
easements and covenants which
affect any building work; and
• ensure that all building work is done
competently.
Expenses
You must pay all expenses relating to the
property, including rates, taxes and any
APP121000067183005
amounts payable to a body corporate.
Law
You must:
• comply with the law with respect to
the property and ensure everything
done on the property complies with
the law;
• if the property is strata title, unit title,
group title or similar, comply with
any by-laws, rules or articles that
apply to the property; and
• make sure there is nothing on or
relating to the property which might
lead to a claim against you or us.
Selling, renting or mortgaging the
property
You must get our consent before you
allow any interest in the property or this
mortgage to arise or be varied. For
example, you must contact us to get our
consent before you sell, rent or mortgage
the property.
Other securities
• If we consent to another security
over the property, we may require
you to get an agreement acceptable
to us regarding the priority between
this mortgage and the other security.
• You must ensure that the amount
secured under any other security
over the property is not increased
without our consent.
• You must comply with any obligation
in connection with any other security
over the property.
Leases
You must:
• enforce any lease or other right or
agreement relating to all or part of
the property;
• use reasonable efforts to ensure the
lessee or other party complies with
their obligations; and
• not end or change any such lease,
right or agreement or waive any term
in it.
If all or part of the property is a lease, you
must not:
• do anything that would bring the
lease to an end or allow someone
else to bring it to an end; and
• allow the lease to expire without
renewing it.
Page 2 of 6 20 July 2022
 Insurance
You must maintain:
• insurance over the property and any
building work against fire and other
usual risks for an amount at least
equal to their full replacement cost;
• public liability insurance covering the
property and any building work; and
• any other insurance we reasonably
require in connection with the
property.
You must do your best to ensure that
nothing happens that could allow an
insurer to refuse a claim and tell us if
anything could allow an insurer to do this.
Each insurance policy must:
• note our interest as mortgagee;
• be on terms and for an amount
satisfactory to us acting reasonably;
and
• be with an insurer we approve, acting
reasonably.
You must produce evidence satisfactory
to us of current insurance cover
whenever we ask for it.
Insurance claims
You must tell us if you make an insurance
claim or all or part of an insurance claim
is refused.
We can take over your rights to make,
pursue or settle an insurance claim. We
will tell you before we do so. We can
exercise those rights in any reasonable
way we choose.
You will hold any proceeds of an
insurance claim on trust for our benefit.
Unless the law requires otherwise, we
may apply the proceeds
• towards payment of the amounts
secured by this mortgage (even if it
is not yet due for payment);
• towards restoring the property; or
• into an account from which you can
apply them towards restoring the
property.
APP121000067183005
Documents of title
You must give us custody of all
documents of title relating to the
property.
Information
You must promptly give us any
information and documents we
reasonably request.
2. Our powers
a. General powers
We may do any of the following at any
time:
• enter and inspect the property. We
will give you reasonable notice unless
there is an emergency. You must
help us to gain entry, including by
getting any consent necessary;
• anything which you should have
done under this mortgage but have
either not done or in our reasonable
opinion have not done properly. If
we do so, you must pay our
reasonable expenses;
• debit your account with amounts you
owe;
• complete this mortgage and fill in
any blanks; or
• notify anyone of this mortgage.
b. Default
When are you in default?
You will be in default if:
• you fail to pay us an amount when it
is due under this mortgage;
• you or a guarantor become bankrupt
or insolvent or enter into any
arrangement with any creditors;
• you don’t comply with the law and in
our opinion it has a material impact
on your obligations under this
mortgage or a secured arrangement;
or
• you or a guarantor engage in
conduct that is misleading in an
important way in relation to this
mortgage or a secured arrangement.
• you use a loan provided under a
secured arrangement for an
unapproved purpose;
Page 3 of 6 20 July 2022
 • you or a guarantor do not maintain
the insurance we require;
• you or a guarantor deal with, or
attempt to deal with, any secured
property in breach of this mortgage.
What can happen if you are in default?
If you are in default we may send you a
default notice giving you 31 days to
remedy the default. If:
• you do not comply with a default
notice; or
• we are not required by law to give
you a default notice
then we may:
• require you to pay us all amounts
secured by this mortgage
immediately;
• take possession of the property. We
can remove personal possessions and
other things on the property and
store them at your risk. If you do not
reclaim them within a reasonable
time, we may dispose of them and
pay any proceeds into your account,
or the account of their owner;
• collect as your agent any rent and
other amounts owing to you in
respect of the property. If we want to
collect them you must direct your
tenants to pay the rent or other
amounts to us;
• do anything an owner or receiver of
the property could do, including
improving, selling or leasing it; and
• appoint a receiver to do any of those
things and anything else the law
allows a receiver to do.
You must pay us all amounts which we
reasonably spend or incur in relation to:
• entering into this mortgage;
• administering this mortgage;
• enforcing this mortgage; or
• protecting or maintaining the
property after breach occurs.
Despite anything in any secured
arrangement, if you are in default, we
need not make a loan or provide any
other form of finance secured by this
mortgage.
c. Receivers
If we appoint a receiver, the receiver is
your agent unless we notify you that the
receiver is to act as our agent. You are
solely responsible for anything done, or
not done, by a receiver and for the
APP121000067183005
receiver’s pay and costs. We may set a
receiver’s pay, remove a receiver and
appoint a new or additional receiver, as
we choose.
d. Power of attorney
You appoint us or any of our
representatives and each receiver as your
attorney to do any of the things set out in
the What can happen if you are in
default? section. You cannot revoke this
appointment.
e. Disposal of the secured property is
final
You agree that if we or a receiver sell or
otherwise dispose of the property:
• you won’t challenge the acquirer’s
right to acquire the property for any
reason and you won’t seek to reclaim
the property; and
• the person who acquires the
property need not check whether we
or the receiver had the right to
dispose of the property or whether
we or the receiver exercise that right
properly.
f. What can happen on bankruptcy
On your bankruptcy a court may set
aside this mortgage. Also, on your
bankruptcy or the bankruptcy of any
other party to a secured arrangement,
the court or the trustee may require us to
pay money.
You agree that you will:
• do anything we ask to restore the
mortgage if it is set aside; and
• pay us any amounts that we are
required to pay.
g. Use of money
We will apply any money received from
you under this mortgage towards the
amounts secured by this mortgage,
unless we are obliged to pay the money
to someone with a prior claim to it.
Page 4 of 6 20 July 2022
 If, when we receive the money, any part
of the amounts secured by this mortgage
is not then due for payment, we may
retain an amount equal to that part. We
must hold it in an interest bearing
account and use it (and any net interest
after tax) to pay the amount when it
becomes due for payment
h. Set off / Deduction
If you have any money in any account
with us we can (but do not need to) use
that money to pay the amounts secured
by this mortgage.
You cannot deduct any amount you claim
is owed to you (by us or anyone else)
from the amounts secured by this
mortgage.
i. Exercising our rights
We can exercise all the other rights and
powers we have under law even if they
overlap with those in this mortgage. If we
do not do so as soon as we are able to,
we may do so later and may do so more
than once.
j. Transfer
You may not assign, novate or transfer
your rights under this mortgage or any
secured arrangement.
We can assign, novate or transfer this
mortgage, the debts it secures, and any
secured arrangement to someone else.
You agree to us giving information to
that person about you, your mortgage,
the property and any secured
arrangement.
k. Delegation of powers
We may delegate some or all of our
powers to someone else. If we do so,
then anything done by our delegate will
take effect as if it had been done by us.
3. General information
a. Notices
A notice or demand under this mortgage
will be served on you if:
APP121000067183005
• it is served personally;
• it is left at the property or your last
address known to us; or
• it is sent by mail to the property or
your last address known to us and
will be regarded as having been
delivered in the ordinary course of
post, even if it never arrives.
We may serve court documents in the
same way.
b. Governing law and jurisdiction
Any court cases involving this mortgage
can be held in a court of any state or
territory of Australia.
The law of the place where the property
is located applies to this mortgage.
c. Banking Code of Practice
The Australian Banking Association’s
banking code of practice as updated, and
adopted by us, from time to time
(Banking Code) sets out the standards of
practice and service in the Australian
banking industry for individuals and small
business customers, and their guarantors
who are individuals.
The relevant provisions of the Banking
Code apply to the banking services
referred to in this document. This means
that we will comply with the Banking
Code, where it applies to the banking
services provided to you.
You can view a copy of the Banking Code
on our website or ask us for a hard copy
in branch or over the phone.
d. Provisions prohibited by law
If any part of a term of this mortgage:
• is unenforceable at law;
• doesn’t comply with a law; or
• imposes an obligation or confers a
right, power or remedy prohibited by
law,
that part of the term is omitted or
varied to the extent necessary to
comply with that law.
e. Further steps
You must do anything which we ask and
reasonably consider necessary to:
Page 5 of 6 20 July 2022
 • ensure that this mortgage is
• all rights attaching to the land or
enforceable, perfected and otherwise
lease.
effective;
• ensure this mortgage has the priority
Where this mortgage is of a lease of land,
we require;
it includes the land which is the subject of
• enable us to register the power of
the lease, and the house or unit and other
attorney (see the Power of attorney
buildings and improvements on the land.
section); or
• verify your identity or the identity of
Receiver: any receiver or receiver and
any person who signs this mortgage
manager
on your behalf.

f. Counterparts Westpac /we /us /our: Westpac Banking

This mortgage may consist of a number
of copies, each signed or accepted by
one or more parties to it. If so, the signed
or accepted copies are treated as making
up a single document.
4. Trustee
If you give this mortgage as trustee of any
trust, you confirm that this mortgage is for
the benefit of the trust, you have authority
to grant this mortgage, you have the right
to be fully indemnified out of trust assets
for obligations incurred under this
mortgage and that the trust assets are
sufficient to cover your financial
obligations under this mortgage when
they are due (taking into account all other
trust liabilities).
Corporation (ABN 33 007 457 141, AFSL
and Australian credit licence 233714).
You: The person or entity described as a
mortgagor on the Mortgage Form. If
there is more than one, it includes any
one or more of you.
Where there is more than one of you,
each of you is individually liable for any
amount owing under this mortgage. Your
liability will continue even if one or more
of the other mortgagors is no longer
liable.

5. Definitions
Below is an explanation of some of the
words we use in this mortgage.

Building work: building work, excavation

or earthworks on the property, work
demolishing, removing or altering any part
of the property, or any building or
development work required by an
authority in connection with the property.

Property: All the property mortgaged by

this mortgage, including:
• the land or lease of land referred to
on the Mortgage Form (or if the
relevant blank has not yet been filled
in, the land or lease described in a
secured arrangement);
• the house or unit and all other
buildings and improvements on the
land; and

APP121000067183005 Page 6 of 6 20 July 2022

This Page Is Not Applicable If You Are Accepting Online Mortgage Form version 1.5
Mortgage Signing Instructions – Security Property Located in New South Wales
Instructions for you and your witness
IMPORTANT - These are legal documents and incorrect or incomplete information will delay your loan application. Take a few minutes
now to understand what needs to be done and you may save yourself a lot of time later. A solicitor can help you understand the
documents and witness your signature, or by appointment, documents may be witnessed at your local branch by an acceptable witness
(refer Step 1).

STEP 1 - FIND AN ACCEPTABLE WITNESS Done

You must sign the mortgage in front of an acceptable witness. If you are signing the mortgage in Australia the witness must :
 Be at least 18 years of age; and
 Not be named on the mortgage such as another borrower, or a guarantor.

If you are signing the mortgage overseas and a “Verification of Identity Certificate” is included (in addition to this mortgage)
and you want the same person to witness this mortgage and complete the Verification of Identity Certificate for you, the person
will need to be qualified as one of the following; a Notary Public; a Consular Officer; a Competent Officer as defined under the
Defence Force Regulations 1952 (Cth); or an Australian or New Zealand Lawyer.

If a “Verification of Identity Certificate” is not included with this mortgage, witness qualifications are the same as if signing in
Australia as noted above.

STEP 2 – DOCUMENTS THAT WILL BE REQUIRED FOR THE WITNESS

If the witness has not known you for at least 12 months, you will be required to show them original proof of identification such
as:
 Primary photo identification that shows your full name, your signature and your photo such as a passport (within 2 years of
expiry), driver licence/learners permit or a National Identity card, and
 If your photo identification does not show your full name or does not match your name as described on this mortgage you
must also show them:
 Primary non-photo identification such as; a birth certificate; a marriage certificate; a citizenship certificate; or a
Change of name certificate; and
 Secondary identification such as; an Australian Taxation Office (ATO) notice, a Commonwealth/State/Territory
financial benefits notice, a Council Rates Notice or a Utilities Notice issued within the last 12 months including your
name and address.
STEP 3 – WITNESSES OBLIGATIONS FOR WITNESSING YOUR SIGNATURE

 The witness must be present and watch you sign the mortgage;

 The witness must confirm you are who you say you are by seeing your identity document(s) referred to in Step 2.

 If a “10CN - Change of Name form” is provided (in addition to your mortgage) to register a change of name on the
certificate of title, the witness must be an “Authorised Witness for Statutory Declarations” such as an Australian Lawyer, a
Justice of the Peace, a Notary Public or Australian Consular Officer. You will also be required to show the witness original
proof of identification showing your full name.

STEP 4 – SIGNING THE MORTGAGE

 All signatures must be in permanent black or blue ink;

 All signatures must be completed in the usual manner (e.g. signing the name, thumb print or other mark) and match the
signature on identification documents;
 The witness must sign the mortgage in the Mortgagor Execution section and legibly print in block capitals:
 Their full name (initials are not acceptable), and
 Their full residential address (PO Box, DX and shop/business addresses are not acceptable).

 If the witness is witnessing more than one individual’s signature, the witnessing section must be completed in full for each
signature being witnessed.

OTHER INSTRUCTIONS FOR COMPANIES, ASSOCIATIONS AND SIGNING UNDER POWER OF ATTORNEY
 Signing the mortgage under Power of Attorney (POA) – the POA must have been registered and authorised by the Land Titles
Office. The attorney must print in the Mortgagor Execution section the name of the mortgagor in “Executed on behalf of”, the
number of the registered power of attorney document in “Under power of attorney”, the attorney’s name in “Signer Name” the role
of ATTORNEY in “Signer Role’ and the attorney’s signature in “Signature”. Please follow the requirements for signing and
witnessing as stated above.
 Signing the mortgage as a Corporation - signing must comply with the statute under which it is incorporated and (if relevant) its
constitution and section 127 of the Corporations Act, for example:
 If signing under common seal, the affixing of the seal must be witnessed by: 2 directors; or a director and a company
secretary; or for a proprietary company that has a sole director who is sole company secretary – that director.
 If the corporation executes without using a common seal, the signatures of the directors and company secretary, as the
case may be, do not need to be witnessed.
 Other methods authorised by a corporation’s constitution or resolution may require additional evidence.
 Signing the mortgage as an Association - evidence of the rules of the Association regarding execution must be returned with
the mortgage and the execution must be consistent with those rules.
 *** YOUR COPY – PLEASE RETAIN *** Mortgage Form version 1.5

Lodger Details
Lodger Code For Office Use Only
Name
Address THE BACK OF THIS FORM
MUST NOT BE USED
Lodger Box
Phone
Email
Reference WBC-SUB200620220154346

MORTGAGE
Jurisdiction NEW SOUTH WALES

Privacy Collection Statement

The information in this form is collected under statutory authority and used for the purpose of maintaining
publicly searchable registers and indexes.

Estate and/or interest being mortgaged

FEE SIMPLE

Land Title Reference Part Land Affected? Land Description

1528

Mortgagor
Given Name(s) KORAPAT
Family Name KIRDPAN

Mortgagee
Name WESTPAC BANKING CORPORATION
ACN 007457141
Australian Credit Licence 233714
The mortgagor mortgages the estate and/or interest in land specified in this mortgage to the mortgagee as
security for the debt or liability described in the terms and conditions set out or referred to in this mortgage,
and covenants with the mortgagee to comply with those terms and conditions.
Terms and Conditions of this Mortgage
(a) Document Reference AP965564
(b) Additional terms and conditions NIL

Reference: WBC-SUB200620220154346 Page 1 of 2

 Mortgage Form version 1.5

Mortgagor Execution
Certified correct for the purposes of the Real Property Act 1900 by the mortgagor or their representatives.
I certify that I am an eligible witness and that the Executed on behalf of KORAPAT KIRDPAN
mortgagor (or their attorney) who I have either Signer Name KORAPAT KIRDPAN
known for more than 12 months, or I have sighted
identifying documentation signed this mortgage in
my presence. Signature

Full Name of Witness Execution Date

Witness Signature

Witness Address

Mortgagee Execution
1. The Certifier, or the Certifier is reasonably satisfied that the mortgagee it represents, has taken reasonable
steps to verify the identity of the mortgagor or his, her or its administrator or attorney.
2. The Certifier has retained the evidence supporting this Registry Instrument or Document.
3. The Certifier has taken reasonable steps to ensure that this Registry Instrument or Document is correct
and compliant with relevant legislation and any Prescribed Requirement.

I certify that I am an eligible witness and that the Executed on behalf of WESTPAC BANKING
mortgagee (or their attorney) who I have either CORPORATION
known for more than 12 months, or I have sighted Under Power of Attorney Book 4299 No.332
identifying documentation signed this mortgage in
Signer Name
my presence.
Signer Organisation WESTPAC BANKING
CORPORATION
Full Name of Witness Signer Role TIER THREE ATTORNEY

Witness Signature Signature

Execution Date

Witness Address

Reference: WBC-SUB200620220154346 Page 2 of 2

 Mortgage Form version 1.5

Lodger Details
Lodger Code For Office Use Only
Name
Address THE BACK OF THIS FORM
MUST NOT BE USED
Lodger Box
Phone
Email
Reference WBC-SUB200620220154346

MORTGAGE
Jurisdiction NEW SOUTH WALES

Privacy Collection Statement

The information in this form is collected under statutory authority and used for the purpose of maintaining
publicly searchable registers and indexes.

Estate and/or interest being mortgaged

FEE SIMPLE

Land Title Reference Part Land Affected? Land Description

1528

Mortgagor
Given Name(s) KORAPAT
Family Name KIRDPAN

Mortgagee
Name WESTPAC BANKING CORPORATION
ACN 007457141
Australian Credit Licence 233714
The mortgagor mortgages the estate and/or interest in land specified in this mortgage to the mortgagee as
security for the debt or liability described in the terms and conditions set out or referred to in this mortgage,
and covenants with the mortgagee to comply with those terms and conditions.
Terms and Conditions of this Mortgage
(a) Document Reference AP965564
(b) Additional terms and conditions NIL

Reference: WBC-SUB200620220154346 Page 1 of 2

 Mortgage Form version 1.5

Mortgagor Execution
Certified correct for the purposes of the Real Property Act 1900 by the mortgagor or their representatives.
I certify that I am an eligible witness and that the Executed on behalf of KORAPAT KIRDPAN
mortgagor (or their attorney) who I have either Signer Name KORAPAT KIRDPAN
known for more than 12 months, or I have sighted
identifying documentation signed this mortgage in
my presence. Signature

Full Name of Witness Execution Date

Witness Signature

Witness Address

Mortgagee Execution
1. The Certifier, or the Certifier is reasonably satisfied that the mortgagee it represents, has taken reasonable
steps to verify the identity of the mortgagor or his, her or its administrator or attorney.
2. The Certifier has retained the evidence supporting this Registry Instrument or Document.
3. The Certifier has taken reasonable steps to ensure that this Registry Instrument or Document is correct
and compliant with relevant legislation and any Prescribed Requirement.

I certify that I am an eligible witness and that the Executed on behalf of WESTPAC BANKING
mortgagee (or their attorney) who I have either CORPORATION
known for more than 12 months, or I have sighted Under Power of Attorney Book 4299 No.332
identifying documentation signed this mortgage in
Signer Name
my presence.
Signer Organisation WESTPAC BANKING
CORPORATION
Full Name of Witness Signer Role TIER THREE ATTORNEY

Witness Signature Signature

Execution Date

Witness Address

Reference: WBC-SUB200620220154346 Page 2 of 2

Your mortgage agreement
Guidelines for accepting the mortgage agreement

What is the mortgage agreement?

A mortgage is an arrangement where you (the “mortgagor”) provide property as security for the loan
offered by us (the “mortgagee”).

The mortgage agreement consists of the Mortgage Terms (which details the terms and conditions of
the mortgage) and the Mortgage Form (which adds us to the title of the property for the life of the
loan).

It’s different from (but accompanies) your Loan Contract, which details the terms and conditions of the
home loan you’re receiving from us.

How to accept the mortgage agreement

1. Read the Mortgage Agreement
2. The Mortgage Form must be signed:
 by all mortgagors (including any owners not receiving the loan)
 in the presence of an acceptable witness (see Instructions for you and your witness)
 using blue or black pen with no alterations or corrections
3. Return the completed Mortgage Form only as soon as possible. Any delay may slow the loan
completion process, or even cause the offer to expire and require you to re-apply.
 in person to your nearest branch, or
 by post to:
The Westpac Home Ownership Team
Reply Paid 85480
Adelaide SA 5001
4. If you’d like us to provide a printed version, please contact your lender or call us on 132 558.
Where to complete the Mortgage Form
Here are the key areas to complete on the Mortgage Form.

QLD / WA / TAS / NT / ACT.

Instructions.
The form wording varies slightly between states - please follow that state's instructions on the form.

1. Locate the “Mortgagor Execution" section (typically the second page).

2. Each owner signs and dates their sections.
3. The witness completes their details.
4. Do not write anywhere else on the form.
5. Please remember:
 Print this form as single-sided on A4 paper only.
 Sign using blue or black pen.
 Alterations or corrections are not permitted.
 Don't complete any other sections.
Mortgage Terms
1. Your obligations
a. What you must pay
You must pay us all money that you owe
us now or in the future under this
mortgage or a secured arrangement. A
secured arrangement is any arrangement
which you have agreed is secured by this
mortgage (for example, a home loan or a
guarantee).
You mortgage the property to us to
secure payment of these amounts.
We will discharge this mortgage at your
request when you have paid all of the
amounts secured by this mortgage.
b. What you confirm
You confirm that each of these
statements is true and must tell us if this
changes at any time:
• you own the property or will upon
settlement;
• having made reasonable enquiries, to
the best of your knowledge no one
else has any interest in or rights over
the property, except:
- as set out on the Mortgage Form
or noted on the titles register; and
- leases which you have told us
about in writing;
• you do not own the property as
trustee (unless you have told us in
writing);
• having made reasonable enquiries, to
the best of your knowledge there is
nothing on or relating to the property
which might lead to a claim against
you or us;
• all information you have given us in
connection with this mortgage and
any secured arrangement is
complete, correct and not
misleading;
Westpac Banking Corporation
APP121000067183005 ABN 33 007 457 141 AFSL and Australian credit licence 233714
• you haven’t withheld any information
that we reasonably consider would
have caused us not to enter into this
mortgage or any secured
arrangement; and
• there is no default (see the Default
section).
c. Additional confirmation if you are a
corporation
If you are a corporation, you also confirm
that each of these statements is true and
must tell us if this changes at any time:
• you will be able to satisfy your
obligations to us under this
mortgage;
• entering into and complying with this
mortgage will not result in you
breaching any law or obligation you
have to any other person or your
constituent documents;
• you are not a subsidiary of, nor
controlled by, a listed company
within the meaning of the
Corporations Act 2001 (Cth);
• you will obtain a commercial benefit
from entering into this mortgage; and
• your obligations under this mortgage
are enforceable according to its
terms (and you have not claimed
they are not).
d. Additional confirmations if this is a
mortgage of a lease
If all or part of the property is a lease,
you also confirm that each of these
statements is true and must tell us if
this changes at any time:
• having made reasonable enquiries, to
the best of your knowledge each
other party to the lease has complied
with its obligations under the lease
and they don’t have any right,
without your consent, to:
20 July 2022
 - vary the lease or bring it to an
end;
- refuse to comply with any of
their obligations under the lease;
• you’ve obtained the written consent
of the landlord and any other
relevant person to the granting of,
and exercise of, our rights in
connection with, this mortgage, any
sub-lease, licences and other
arrangements in connection with the
lease;
• you’ve complied with the
requirements, if any, in any consent
you’ve obtained; and
• you’ve told us about any occupants
of the land and the terms of
occupancy.
e. Your other obligations
Secured arrangements
You must comply with each secured
arrangement.
Protect the security
You must do whatever we reasonably ask
to:
• maintain and protect:
- the property and its value;
- your title to the property; and
- our interest in the property;
Maintenance work
You must:
• maintain and protect the property
and its value; and
• tell us if the property is defective or
damaged in a way that could affect
the value of the property.
Building work
You must:
• get our consent and all necessary
approvals from authorities before
you carry out or permit any building
work;
• ensure that any building work
complies with the law, including
requirements of authorities,
easements and covenants which
affect any building work; and
• ensure that all building work is done
competently.
Expenses
You must pay all expenses relating to the
property, including rates, taxes and any
APP121000067183005
amounts payable to a body corporate.
Law
You must:
• comply with the law with respect to
the property and ensure everything
done on the property complies with
the law;
• if the property is strata title, unit title,
group title or similar, comply with
any by-laws, rules or articles that
apply to the property; and
• make sure there is nothing on or
relating to the property which might
lead to a claim against you or us.
Selling, renting or mortgaging the
property
You must get our consent before you
allow any interest in the property or this
mortgage to arise or be varied. For
example, you must contact us to get our
consent before you sell, rent or mortgage
the property.
Other securities
• If we consent to another security
over the property, we may require
you to get an agreement acceptable
to us regarding the priority between
this mortgage and the other security.
• You must ensure that the amount
secured under any other security
over the property is not increased
without our consent.
• You must comply with any obligation
in connection with any other security
over the property.
Leases
You must:
• enforce any lease or other right or
agreement relating to all or part of
the property;
• use reasonable efforts to ensure the
lessee or other party complies with
their obligations; and
• not end or change any such lease,
right or agreement or waive any term
in it.
If all or part of the property is a lease, you
must not:
• do anything that would bring the
lease to an end or allow someone
else to bring it to an end; and
• allow the lease to expire without
renewing it.
Page 2 of 6 20 July 2022
 Insurance
You must maintain:
• insurance over the property and any
building work against fire and other
usual risks for an amount at least
equal to their full replacement cost;
• public liability insurance covering the
property and any building work; and
• any other insurance we reasonably
require in connection with the
property.
You must do your best to ensure that
nothing happens that could allow an
insurer to refuse a claim and tell us if
anything could allow an insurer to do this.
Each insurance policy must:
• note our interest as mortgagee;
• be on terms and for an amount
satisfactory to us acting reasonably;
and
• be with an insurer we approve, acting
reasonably.
You must produce evidence satisfactory
to us of current insurance cover
whenever we ask for it.
Insurance claims
You must tell us if you make an insurance
claim or all or part of an insurance claim
is refused.
We can take over your rights to make,
pursue or settle an insurance claim. We
will tell you before we do so. We can
exercise those rights in any reasonable
way we choose.
You will hold any proceeds of an
insurance claim on trust for our benefit.
Unless the law requires otherwise, we
may apply the proceeds
• towards payment of the amounts
secured by this mortgage (even if it
is not yet due for payment);
• towards restoring the property; or
• into an account from which you can
apply them towards restoring the
property.
APP121000067183005
Documents of title
You must give us custody of all
documents of title relating to the
property.
Information
You must promptly give us any
information and documents we
reasonably request.
2. Our powers
a. General powers
We may do any of the following at any
time:
• enter and inspect the property. We
will give you reasonable notice unless
there is an emergency. You must
help us to gain entry, including by
getting any consent necessary;
• anything which you should have
done under this mortgage but have
either not done or in our reasonable
opinion have not done properly. If
we do so, you must pay our
reasonable expenses;
• debit your account with amounts you
owe;
• complete this mortgage and fill in
any blanks; or
• notify anyone of this mortgage.
b. Default
When are you in default?
You will be in default if:
• you fail to pay us an amount when it
is due under this mortgage;
• you or a guarantor become bankrupt
or insolvent or enter into any
arrangement with any creditors;
• you don’t comply with the law and in
our opinion it has a material impact
on your obligations under this
mortgage or a secured arrangement;
or
• you or a guarantor engage in
conduct that is misleading in an
important way in relation to this
mortgage or a secured arrangement.
• you use a loan provided under a
secured arrangement for an
unapproved purpose;
Page 3 of 6 20 July 2022
 • you or a guarantor do not maintain
the insurance we require;
• you or a guarantor deal with, or
attempt to deal with, any secured
property in breach of this mortgage.
What can happen if you are in default?
If you are in default we may send you a
default notice giving you 31 days to
remedy the default. If:
• you do not comply with a default
notice; or
• we are not required by law to give
you a default notice
then we may:
• require you to pay us all amounts
secured by this mortgage
immediately;
• take possession of the property. We
can remove personal possessions and
other things on the property and
store them at your risk. If you do not
reclaim them within a reasonable
time, we may dispose of them and
pay any proceeds into your account,
or the account of their owner;
• collect as your agent any rent and
other amounts owing to you in
respect of the property. If we want to
collect them you must direct your
tenants to pay the rent or other
amounts to us;
• do anything an owner or receiver of
the property could do, including
improving, selling or leasing it; and
• appoint a receiver to do any of those
things and anything else the law
allows a receiver to do.
You must pay us all amounts which we
reasonably spend or incur in relation to:
• entering into this mortgage;
• administering this mortgage;
• enforcing this mortgage; or
• protecting or maintaining the
property after breach occurs.
Despite anything in any secured
arrangement, if you are in default, we
need not make a loan or provide any
other form of finance secured by this
mortgage.
c. Receivers
If we appoint a receiver, the receiver is
your agent unless we notify you that the
receiver is to act as our agent. You are
solely responsible for anything done, or
not done, by a receiver and for the
APP121000067183005
receiver’s pay and costs. We may set a
receiver’s pay, remove a receiver and
appoint a new or additional receiver, as
we choose.
d. Power of attorney
You appoint us or any of our
representatives and each receiver as your
attorney to do any of the things set out in
the What can happen if you are in
default? section. You cannot revoke this
appointment.
e. Disposal of the secured property is
final
You agree that if we or a receiver sell or
otherwise dispose of the property:
• you won’t challenge the acquirer’s
right to acquire the property for any
reason and you won’t seek to reclaim
the property; and
• the person who acquires the
property need not check whether we
or the receiver had the right to
dispose of the property or whether
we or the receiver exercise that right
properly.
f. What can happen on bankruptcy
On your bankruptcy a court may set
aside this mortgage. Also, on your
bankruptcy or the bankruptcy of any
other party to a secured arrangement,
the court or the trustee may require us to
pay money.
You agree that you will:
• do anything we ask to restore the
mortgage if it is set aside; and
• pay us any amounts that we are
required to pay.
g. Use of money
We will apply any money received from
you under this mortgage towards the
amounts secured by this mortgage,
unless we are obliged to pay the money
to someone with a prior claim to it.
Page 4 of 6 20 July 2022
 If, when we receive the money, any part
of the amounts secured by this mortgage
is not then due for payment, we may
retain an amount equal to that part. We
must hold it in an interest bearing
account and use it (and any net interest
after tax) to pay the amount when it
becomes due for payment
h. Set off / Deduction
If you have any money in any account
with us we can (but do not need to) use
that money to pay the amounts secured
by this mortgage.
You cannot deduct any amount you claim
is owed to you (by us or anyone else)
from the amounts secured by this
mortgage.
i. Exercising our rights
We can exercise all the other rights and
powers we have under law even if they
overlap with those in this mortgage. If we
do not do so as soon as we are able to,
we may do so later and may do so more
than once.
j. Transfer
You may not assign, novate or transfer
your rights under this mortgage or any
secured arrangement.
We can assign, novate or transfer this
mortgage, the debts it secures, and any
secured arrangement to someone else.
You agree to us giving information to
that person about you, your mortgage,
the property and any secured
arrangement.
k. Delegation of powers
We may delegate some or all of our
powers to someone else. If we do so,
then anything done by our delegate will
take effect as if it had been done by us.
3. General information
a. Notices
A notice or demand under this mortgage
will be served on you if:
APP121000067183005
• it is served personally;
• it is left at the property or your last
address known to us; or
• it is sent by mail to the property or
your last address known to us and
will be regarded as having been
delivered in the ordinary course of
post, even if it never arrives.
We may serve court documents in the
same way.
b. Governing law and jurisdiction
Any court cases involving this mortgage
can be held in a court of any state or
territory of Australia.
The law of the place where the property
is located applies to this mortgage.
c. Banking Code of Practice
The Australian Banking Association’s
banking code of practice as updated, and
adopted by us, from time to time
(Banking Code) sets out the standards of
practice and service in the Australian
banking industry for individuals and small
business customers, and their guarantors
who are individuals.
The relevant provisions of the Banking
Code apply to the banking services
referred to in this document. This means
that we will comply with the Banking
Code, where it applies to the banking
services provided to you.
You can view a copy of the Banking Code
on our website or ask us for a hard copy
in branch or over the phone.
d. Provisions prohibited by law
If any part of a term of this mortgage:
• is unenforceable at law;
• doesn’t comply with a law; or
• imposes an obligation or confers a
right, power or remedy prohibited by
law,
that part of the term is omitted or
varied to the extent necessary to
comply with that law.
e. Further steps
You must do anything which we ask and
reasonably consider necessary to:
Page 5 of 6 20 July 2022
 • ensure that this mortgage is
• all rights attaching to the land or
enforceable, perfected and otherwise
lease.
effective;
• ensure this mortgage has the priority
Where this mortgage is of a lease of land,
we require;
it includes the land which is the subject of
• enable us to register the power of
the lease, and the house or unit and other
attorney (see the Power of attorney
buildings and improvements on the land.
section); or
• verify your identity or the identity of
Receiver: any receiver or receiver and
any person who signs this mortgage
manager
on your behalf.

f. Counterparts Westpac /we /us /our: Westpac Banking

This mortgage may consist of a number
of copies, each signed or accepted by
one or more parties to it. If so, the signed
or accepted copies are treated as making
up a single document.
4. Trustee
If you give this mortgage as trustee of any
trust, you confirm that this mortgage is for
the benefit of the trust, you have authority
to grant this mortgage, you have the right
to be fully indemnified out of trust assets
for obligations incurred under this
mortgage and that the trust assets are
sufficient to cover your financial
obligations under this mortgage when
they are due (taking into account all other
trust liabilities).
Corporation (ABN 33 007 457 141, AFSL
and Australian credit licence 233714).
You: The person or entity described as a
mortgagor on the Mortgage Form. If
there is more than one, it includes any
one or more of you.
Where there is more than one of you,
each of you is individually liable for any
amount owing under this mortgage. Your
liability will continue even if one or more
of the other mortgagors is no longer
liable.

5. Definitions
Below is an explanation of some of the
words we use in this mortgage.

Building work: building work, excavation

or earthworks on the property, work
demolishing, removing or altering any part
of the property, or any building or
development work required by an
authority in connection with the property.

Property: All the property mortgaged by

this mortgage, including:
• the land or lease of land referred to
on the Mortgage Form (or if the
relevant blank has not yet been filled
in, the land or lease described in a
secured arrangement);
• the house or unit and all other
buildings and improvements on the
land; and

APP121000067183005 Page 6 of 6 20 July 2022

 Mortgage Form version 1.5
Mortgage Signing Instructions – Security Property Located in Queensland
Instructions for you and your witness
IMPORTANT - These are legal documents and incorrect or incomplete information will delay your loan application. Take a few minutes
now to understand what needs to be done and you may save yourself a lot of time later. A solicitor can help you understand the
documents and witness your signature, or by appointment, documents may be witnessed at your local branch by an acceptable witness
(refer Step 1).

STEP 1 - FIND AN ACCEPTABLE WITNESS Done

You must sign the mortgage in front of an acceptable witness. The witness must:
 Be at least 18 years of age; and
 Not be named on the mortgage as another borrower, or guarantor; and must qualify with the following:
If signing the mortgage in Australia the witness must be: or If signing the mortgage overseas the
 An Australian Lawyer; or witness must be:
 A Justice of the Peace (JP); or  An Australian Consular Officer, or an
 A Commissioner for Declarations(*); or authorised employee of the
 Notary Public (*); or Commonwealth(*); or
 Licensed settlement agent authorised under the Settlement Agents Act  An Australian Lawyer(*); or
1981 (Western Australia only); or  A New Zealand Lawyer(*); or
 Licensed conveyancer (all states and territories other than in  A Competent Officer as defined under the
Queensland); or Defence Force Regulations 1952(*); or
 Registrar or Deputy Registrar of the Supreme, District or Magistrates  A Notary Public(*).
Courts of Western Australia; or IN ADDITION, A SIGNED AND COMPLETED
 Commissioner for Oaths appointed in the Northern Territory (*). CERTIFICATION FORM IS REQUIRED.
PLEASE SEE STEP 5.
(*) Additional information will be required for these witness types (refer over the page)
STEP 2 – DOCUMENTS THAT WILL BE REQUIRED FOR THE WITNESS
You will be required to show the witness original proof of identity documents, which may include one of the following options:

Option Primary Document Plus Secondary Documents

1 Passport
2 Passport
3 Australian drivers licence or Photo Card
4 Passport or Australian ImmiCard
5 Passport or Australian ImmiCard
Australian drivers licence or Photo Card
Full birth certificate, citizenship certificate or descent certificate
and
Medicare, Centrelink or Department of Veterans’ Affairs card
Full birth certificate, citizenship certificate or descent certificate
and
Medicare, Centrelink or Department of Veterans’ Affairs card
Another government issued photographic identity document
Another government issued non-photographic identity document
and
Full birth certificate

NOTE: If your name is not the same as shown any of the identity documents you are using, you must also have
documentary evidence (such as a marriage certificate) of your change of name.

You will need to confirm you are eligible to sign the mortgage by showing the witness:
 A document showing your name and the property described in this mortgage such as a rates notice, title search or
contract of sale.

STEP 3 – WITNESSES OBLIGATIONS FOR WITNESSING YOUR SIGNATURE

 The witness must be present and watch you sign the mortgage;
 The witness must confirm you are who you say you are and that you are eligible to sign the mortgage by seeing the
document(s) referred to in Step 2.
STEP 4 – SIGNING THE MORTGAGE
 All signatures must be in permanent black or blue ink;
 All signatures must be completed in the usual manner (e.g. signing the name, thumb print or other mark) and match the
signature on identification documents;
 The witness must sign the mortgage in the Mortgagor Execution section and legibly print:
 Their full name (initials are not acceptable); and
 Their qualification as a witness (refer over the page).
 If the witness is witnessing more than one individual’s signature, the witnessing section must be completed in full for each
signature being witnessed.
 Mortgage Form version 1.5
STEP 5 – CERTIFICATION FORM FOR MORTGAGES SIGNED OUTSIDE OF AUSTRALIA
For mortgages signed outside Australia, a signed, dated and endorsed Certification form from an eligible witness is required.
To access the Certification forms, please visit either:
 https://www.business.qld.gov.au/industries/building-property-development/titles-property-surveying/titles-property/help/tra
nsactions/transferring-freehold/signing-witnessing; or
 www.business.qld.gov.au, search “Signing and Witnessing Requirements” and click the “Signing and Witnessing
Requirements” link.
Scroll down to ‘Overseas Witnessing Requirements’ and choose from the appropriate options:
 Witness by an Australian Consular Officer or Commonwealth employee; or
 Witnessing by Other Authorised Witnesses:
 Identity/witnessing certification (completion by hand)
 Identity/witnessing certification (electronic version)
Print the Certification form and provide it to the witness at the same time as the mortgage. The witness must complete and sign
the form and it must be returned to us with the mortgage.

OTHER INSTRUCTIONS FOR COMPANIES, ASSOCIATIONS AND SIGNING UNDER POWER OF ATTORNEY
 Signing the mortgage under Power of Attorney (POA) - The POA must have been registered and authorised by the Land
Titles Office. The attorney must print in the Mortgagor Execution section the name of the mortgagor in “Executed on behalf of”, the
number of the registered power of attorney document in “Under power of attorney”, the attorney’s name in “Signer Name”, the role
of ATTORNEY in “Signer Role” and the attorney’s signature in “Signature”. Please follow the requirements for signing and
witnessing as stated above.
 Signing the mortgage as a Corporation - signing must comply with the statute under which it is incorporated and (if relevant) its
constitution and section 127 of the Corporations Act, for example:
 If signing under common seal, the affixing of the seal must be witnessed by: 2 directors; or a director and a company
secretary; or for a proprietary company that has a sole director who is sole company secretary – that director.
 If the corporation executes without using a common seal, the signatures of the directors and company secretary, as the
case may be, do not need to be witnessed.
 Other methods authorised by a corporation’s constitution or resolution may require additional evidence.
 Signing the mortgage as an Association – evidence of the rules of the Association regarding execution must be returned with
the mortgage and the execution must be consistent with those rules.
 Mortgage Form version 1.5
SUPPORTING DOCUMENTS AND REQUIREMENTS FOR SOME WITNESSES (*) NOTED IN STEP 1
Profession/ Qualification Information to be printed in Mortgagor Supporting documentation MUST be lodged with
Execution Section the Mortgage
Commissioner for Oaths  Full name; Details of the proof of identification sighted by the
appointed in the Northern  Qualification as a Commissioner for Oaths Commissioner for Oaths must be provided to the
Territory. (NT); registry:
 Contact address; or  on the face of the mortgage by the Commissioner for
 Telephone number below signature. Oaths, in a clear space near the witnessing officer’s
signature (this information must be legible and not
obliterated by any other information); or
 by a separate statement by the Commissioner for
Oaths; or
 by a letter from a solicitor who has been advised by
the Commissioner for Oaths as to the relevant
information.
Justice of the Peace. Must clearly write, type, print or stamp the N/A
words “Justice of the Peace” or the
abbreviation “JP” after or under their
signature and include any registration number
(if applicable).
Commissioner for Must place the words ‘Commissioner for N/A
Declarations. Declaration’, ‘Com Dec’ or ‘CDec” adjacent to
their signatures and include any registration
number (if applicable).
Australian Consular  Full name Signed and completed Certification form – see STEP
Officer, an Australian  Official seal of the mission or post 5 above.
Diplomatic Officer, or an adjacent to their signature on the
authorised employee of
mortgage
the Commonwealth.
Note - Honorary Consuls are not authorised
to witness mortgages.
Competent Officer as  Full name; and Supporting documentation must be lodged with the
defined under the Defence  Rank adjacent to their signature on the mortgage to verify the execution was made while the
Force Regulations 1952 Mortgage; member of the Defence Force was serving overseas, for
(Cth). example a letter from an Australian Legal Practitioner.
Note: There is no need to state the country in which the
member of the Defence Force was serving.
Signed and completed Certification form – see STEP 5
Notary Public.  Full name; Details of the proof of identification sighted by the
 Qualification or description of the public witness, either;
office or commission;  on the mortgage in a clear space near the witness
 Date of expiry of the commission (if signature; or
applicable);  on a separate statement by the Commissioner for
 Official Stamp/Seal (if required). Oaths (for example a Form 20 or letter) which must
clearly reference the details of the mortgage,
property and party details; or
 in a letter from solicitor who has been advised by the
Commissioner for Oaths as to the relevant
information.
The following is required where applicable:
 Translation of any non-English part of the execution
or additional statement;
 Full contact details of the Australian lawyer, if any, for
the party signing overseas.
For mortgages signed outside Australia, see
requirements shown in STEP 5.
Australian or New Zealand For mortgages signed outside Australia, see
lawyer requirements shown in STEP 5.
 Mortgage Form version 1.5

Lodger Details
Lodger Code For Office Use Only
Name
Address THE BACK OF THIS FORM
MUST NOT BE USED
Lodger Box
Phone
Email
Reference WBC-SUB200620220154346

MORTGAGE
Jurisdiction QUEENSLAND

Privacy Collection Statement

The information in this form is collected under statutory authority and used for the purpose of maintaining
publicly searchable registers and indexes.

Estate and/or interest being mortgaged

FEE SIMPLE

Land Title Reference Part Land Affected? Land Description

54346 LOT

Mortgagor
Given Name(s) KORAPAT
Family Name KIRDPAN

Mortgagee
Name WESTPAC BANKING CORPORATION
ACN 007457141
Australian Credit Licence 233714
The mortgagor mortgages the estate and/or interest in land specified in this mortgage to the mortgagee as
security for the debt or liability described in the terms and conditions set out or referred to in this mortgage,
and covenants with the mortgagee to comply with those terms and conditions.
Terms and Conditions of this Mortgage
(a) Document Reference 719954325
(b) Additional terms and conditions NIL

Mortgagor Execution
NOTE: Witnessing officer must be aware of their Executed on behalf of KORAPAT KIRDPAN
obligations under section 162 of the Land Title Act KORAPAT KIRDPAN
Signer Name
1994.

Signature
Full Name of Witness

Execution Date
Witness Signature

Witness Qualifications

Reference: WBC-SUB200620220154346 Page 1 of 2

 Mortgage Form version 1.5

Mortgagee Execution
Executed on behalf of WESTPAC BANKING
CORPORATION
Under Power of Attorney No. 704554851
Signer Name
Signer Organisation WESTPAC BANKING
CORPORATION
Signer Role TIER THREE ATTORNEY

Signature

Execution Date

Reference: WBC-SUB200620220154346 Page 2 of 2

 *** YOUR COPY – PLEASE RETAIN *** Mortgage Form version 1.5

Lodger Details
Lodger Code For Office Use Only
Name
Address THE BACK OF THIS FORM
MUST NOT BE USED
Lodger Box
Phone
Email
Reference WBC-SUB200620220154346

MORTGAGE
Jurisdiction QUEENSLAND

Privacy Collection Statement

The information in this form is collected under statutory authority and used for the purpose of maintaining
publicly searchable registers and indexes.

Estate and/or interest being mortgaged

FEE SIMPLE

Land Title Reference Part Land Affected? Land Description

54346 LOT

Mortgagor
Given Name(s) KORAPAT
Family Name KIRDPAN

Mortgagee
Name WESTPAC BANKING CORPORATION
ACN 007457141
Australian Credit Licence 233714
The mortgagor mortgages the estate and/or interest in land specified in this mortgage to the mortgagee as
security for the debt or liability described in the terms and conditions set out or referred to in this mortgage,
and covenants with the mortgagee to comply with those terms and conditions.
Terms and Conditions of this Mortgage
(a) Document Reference 719954325
(b) Additional terms and conditions NIL

Mortgagor Execution
NOTE: Witnessing officer must be aware of their Executed on behalf of KORAPAT KIRDPAN
obligations under section 162 of the Land Title Act KORAPAT KIRDPAN
Signer Name
1994.

Signature
Full Name of Witness

Execution Date
Witness Signature

Witness Qualifications

Reference: WBC-SUB200620220154346 Page 1 of 2

 Mortgage Form version 1.5

Mortgagee Execution
Executed on behalf of WESTPAC BANKING
CORPORATION
Under Power of Attorney No. 704554851
Signer Name
Signer Organisation WESTPAC BANKING
CORPORATION
Signer Role TIER THREE ATTORNEY

Signature

Execution Date

Reference: WBC-SUB200620220154346 Page 2 of 2