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•  Deposit
                            The deposit is ƚŚĞ ĂŵŽƵŶƚ ŽĨ ŵŽŶĞLJ ƚŚĂƚ LJŽƵ ǁŝůů ďĞ ĐŽŶƚƌŝďƵƟŶŐ
                            to the purchase of the property. Lenders refer to your deposit as a
                            ƉĞƌĐĞŶƚĂŐĞ Žƌ >ŽĂŶͲƚŽͲsĂůƵĞ ƌĂƟŽ ;>sZͿ͘

                             džĂŵƉůĞ͗

                            dŚĞ  ƉƌŽƉĞƌƚLJ  LJŽƵ  ǁŝƐŚ  ƚŽ  ƉƵƌĐŚĂƐĞ  ŝƐ  ΨϭϬϬ͕ϬϬϬ  ĂŶĚ  LJŽƵ  ŚĂǀĞ  Ă
                            ΨϭϬ͕ϬϬϬ ĚĞƉŽƐŝƚ͘ zŽƵƌ ĚĞƉŽƐŝƚ ŝƐ ϭϬй ĂŶĚ ƚŚĞ ůŽĂŶ ĂŵŽƵŶƚ ǁŝůů ďĞ
                            ΨϵϬ͕ϬϬϬ͘ dŚŝƐ ŝƐ ƌĞĨĞƌƌĞĚ ƚŽ ĂƐ Ă ϵϬй >sZ ŵŽƌƚŐĂŐĞ͘

                            zŽƵ ǁŝůů ĂůƐŽ ŶĞĞĚ ƚŽ ƐĞƚ ŵŽŶĞLJ ĂƐŝĚĞ ƚŽ ƉĂLJ ĨŽƌ ŐŽǀĞƌŶŵĞŶƚ ƚĂdžĞƐ ĂŶĚ
                            ůĞŶĚĞƌ͛Ɛ ĨĞĞƐ ĂƐƐŽĐŝĂƚĞĚ ǁŝƚŚ ƚŚĞ ƉƵƌĐŚĂƐĞ ŽĨ ƚŚĞ ƉƌŽƉĞƌƚLJ͘  ŝīĞƌĞŶƚ
                            ůĞŶĚĞƌƐ  ŚĂǀĞ  ĚŝīĞƌĞŶƚ  ŵĂdžŝŵƵŵ  >sZƐ  ĨŽƌ  ĚŝīĞƌĞŶƚ  ďŽƌƌŽǁŝŶŐ
                            ƐŝƚƵĂƟŽŶƐ͘

                            ^ŽŵĞ ůĞŶĚĞƌƐ ŚĂǀĞ Ă ŵĂdžŝŵƵŵ >sZ ŽĨ ϵϱй͕ ǁŚŝĐŚ ŵĞĂŶƐ ƚŚĂƚ ƚŚĞLJ
                            ǁŝůů ůĞŶĚ ϵϱй ŽĨ ƚŚĞ ƉƵƌĐŚĂƐĞ ƉƌŝĐĞ ĂŶĚ ǁŝůů ŽŶůLJ ƌĞƋƵŝƌĞ ƚŚĞ ďŽƌƌŽǁĞƌ
                            ƚŽ ĐŽŶƚƌŝďƵƚĞ Ă ϱй ĚĞƉŽƐŝƚ͘ KƚŚĞƌ ůĞŶĚĞƌƐ ŵŝŐŚƚ ŚĂǀĞ Ă ŵĂdžŝŵƵŵ
                            >sZ ŽĨ ϵϬй͕ ϴϬй Žƌ ĞǀĞŶ ϳϬй ĚĞƉĞŶĚŝŶŐ ŽŶ ƚŚĞ ƚLJƉĞ ŽĨ ďŽƌƌŽǁĞƌ͘


                              ůĞŶĚĞƌ͛Ɛ ŵĂdžŝŵƵŵ >sZ ǁŝůů ǀĂƌLJ ŽŶ ŵĂŶLJ ĐƌŝƚĞƌŝĂ͗

                                  i.  LVR determined based on the borrower

                                     ^ŽŵĞ ůĞŶĚĞƌƐ ŚĂǀĞ Ă ůŽǁĞƌ >sZ ƌĞƋƵŝƌĞŵĞŶƚ ĨŽƌ ŶŽŶͲƌĞƐŝĚĞŶƚ
                                     ďŽƌƌŽǁĞƌƐ͘ &Žƌ ĞdžĂŵƉůĞ͕ ŵŽƐƚ ůĞŶĚĞƌƐ ŚĂǀĞ ĂŶ >sZ ůŝŵŝƚ ŽĨ
                                     ϴϬй ĨŽƌ ƚĞŵƉŽƌĂƌLJ ƌĞƐŝĚĞŶƚƐ ĂŶĚ  ƵƐƚƌĂůŝĂŶ ĞdžƉĂƚ ďŽƌƌŽǁĞƌƐ
                                     ǁŚŝůĞ ŽƚŚĞƌƐ ǁŝůů ŚĂƉƉŝůLJ ůĞŶĚ ƵƉ ƚŽ ϵϬй ĂŶĚ ĞǀĞŶ ϵϱй ƚŽ
                                     ƚŚĞƐĞ ďŽƌƌŽǁĞƌƐ͘


                                 ii.  LVR determined based on the nature of the deposit
                                     ^ŽŵĞ ůĞŶĚĞƌƐ ǁŝůů ŽŶůLJ ůĞŶĚ Ăƚ ĂŶ >sZ ŽĨ ŐƌĞĂƚĞƌ ƚŚĂŶ ϴϬй
                                     ŝĨ ƚŚĞ ďƵLJĞƌ ŚĂƐ Ă ŐĞŶƵŝŶĞ ĚĞƉŽƐŝƚ ĂŶĚͬŽƌ ƐĂǀŝŶŐƐ͘ 'ĞŶƵŝŶĞ
                                     savings are funds that have been in a bank account for more
                                     ƚŚĂŶ ƚŚƌĞĞ ŵŽŶƚŚƐ͕ ƐĂǀĞĚ ƵƉ ŽǀĞƌ ƚŚƌĞĞ ŵŽŶƚŚƐ͕ Žƌ ŚĞůĚ ŝŶ
                                     property or shares. The lender is seeking evidence that the

                                     ďŽƌƌŽǁĞƌƐ ĐĂŶ ƐĂǀĞ ŽǀĞƌ months or years on top of normal
                                     ĞdžƉĞŶƐĞƐ͘  dŚŝƐ  ƉƌŽǀĞƐ  ƚŽ  ƚŚĞ  ůĞŶĚĞƌ  ƚŚĞ  ďŽƌƌŽǁĞƌƐ  ĂƌĞ
                                     disciplined and are likely to be able to meet their mortgage
                                     ƉĂLJŵĞŶƚƐ ŽŶ ƟŵĞ͘

                           •  'ŝŌƐ ĨƌŽŵ ĨĂŵŝůLJ

                            'ŝŌƐ͕ ĂŶ ŝŶŚĞƌŝƚĂŶĐĞ͕ Žƌ ƉƌŽĐĞĞĚƐ ĨƌŽŵ ƚŚĞ ƐĂůĞ ŽĨ ƉĞƌƐŽŶĂů ĂƐƐĞƚƐ ůŝŬĞ
                            cars or a business are deemed to be non-genuine deposits and you
                            ǁŽƵůĚ ŶĞĞĚ ƚŽ ŚĂǀĞ ƚŚĞŵ ŝŶ LJŽƵƌ ĂĐĐŽƵŶƚ ĨŽƌ Ăƚ ůĞĂƐƚ ƚŚƌĞĞ ŵŽŶƚŚƐ
                            ďĞĨŽƌĞ ŵŽƐƚ ůĞŶĚĞƌƐ ǁŽƵůĚ ĐŽŶƐŝĚĞƌ LJŽƵƌ ĂƉƉůŝĐĂƟŽŶ ǁŝƚŚŽƵƚ Ă ϮϬй
                            deposit.

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