Downloads

The following documents are available for you to download:

Statement of Financial Position

A Statement of Position (SOP) is a financial document that provides a snapshot of an individual's or company's assets, liabilities, and net worth at a specific point in time.
It lists what is owned (assets) and what is owed (liabilities), helping to determine the overall financial health.
Lenders often require an SOP to assess a borrower’s financial stability and ability to repay debt.
It’s a critical tool in evaluating both personal and business finance standing.

Terms of Engagement

Terms of Engagement are the agreed-upon conditions and guidelines that define the scope of work, responsibilities, and expectations between a service provider and a client.
These terms outline the services to be performed, payment structures, timelines, confidentiality clauses, and any other relevant obligations.
They serve as a formal agreement to ensure both parties are aligned on how the professional relationship will be managed, helping to prevent misunderstandings or disputes.

Declaration and Authority to Act

A Declaration and Authority to Act document is used to formally authorise a broker or representative to act on behalf of a client in dealings with lenders.
It allows the broker to access the client’s financial information, submit loan applications, and negotiate loan terms.
The declaration includes the client’s consent to share personal details and confirms their understanding of the process.
This document is essential for ensuring transparency and granting the necessary legal permissions for the broker to represent the client’s interests in securing a mortgage.