edit: before you do anything, replace the short tags (<?) with <?php
might be this part
$body = <<<HTML
*** {$name} has submitted his/her info from your website **
title: {$title}\n
first name: {$first_name}\n
surname: {$surname}\n
phone: {$phone}\n
mobile: {$mobile}\n
fax: {$fax}\n
email: {$email}\n
applicant type: {$applicant_type}\n
customer type: {$customer_type}\n
number of applicants: {$number_of_applicants}\n
dependants: {$dependants}\n
loan fo_r own home: {$loan_for_own_home}\n
loan fo_r investment: {$loan_for_investment}\n
total value of properties: {$total_value_of_properties}\n
first home owner: {$first_home_owner}\n
term of loan: {$term_of_loan}\n
other mortgage repayments: {$other_mortgage_repayments}\n
other mortgage repayments per: {$other_mortgage_repayments_per}\n
ongoing rental payments: {$ongoing_rental_payments}\n
ongoing rental payments per: {$ongoing_rental_payments_per}\n
repayments on personal loans: ($repayments_on_personal_loans}\n
repayments on personal loans_per: {$repayments_on_personal_loans_per}\n
repayments on car loans: {$repayments_on_car_loans}\n
repayments on car loans per: {$repayments_on_car_loans_per}\n
family support payments: {$family_support_payments}\n
family support payments per: {$family_support_payments_per}\n
any other commitments: {$any_other_commitments}\n
any other commitments per: {$any_other_commitments_per}\n
store card limits: {$store_card_limits}\n
store card limits per: {$store_card_limits_per}\n
credit card limits: {$credit_card_limits}\n
credit card limits per: {$credit_card_limits_per}\n
PAYG or director salary: {$PAYG_slash_director_salary}\n
PAYG or director salary per: {$PAYG_slash_director_salary_per}\n
rental income sec property: {$rental_income_sec_property}\n
rental income sec property per: {$rental_income_sec_property_per}\n
rental income other property: {$rental_income_other_property}\n
rental income other property per: {$rental_income_other_property_per}\n
commissions: {$commissions}\n
commissions per: {$commissions_per}\n
bonus: {$bonus}\n
bonus per: {$bonus_per}\n
net profit: {$net_profit}\n
net profit per: {$net_profit_per}\n
DSS pension: {$DSS_pension}\n
DSS pension per: {$DSS_pension_per}\n
child support: {$child_support}\n
child support per: {$child_support_per}\n
depreciation etc: {$depreciation_etc}\n
depreciation etc per: {$depreciation_etc_per}\n
nontaxable income: {$nontaxable_income}\n
nontaxable income per: {$nontaxable_income_per}\n
other taxable income: {$other_taxable_income}\n
other taxable income per: {$other_taxable_income_per}\n
overtime: {$overtime}\n
overtime per: {$overtime_per}\n
annuities: {$annuities}\n
annuities_per: {$annuities_per}\n
income from super: {$income_from_super}\n
income from super per: {$income_from_super_per}\n
interest income: {$interest_income}\n
interest income per: {$interest_income_per}\n
dividends: {$dividends}\n
dividends per: {$dividends_per}\n
naval allowance: {$naval_allowance}\n
naval allowance per: {$naval_allowance_per}\n
tax deductions: {$tax_deductions}\n
tax deductions_per: {$tax_deductions_per}\n
first description: {$description_1}\n
first card type: {$card_type_1}\n
first card limit: {$limit_1}\n
first cards amount owing: {$owing_1}\n
first cards monthly repayments: {$monthly_repayments_1}\n
yes to refinance yes: {$refinance_yes_1}\n
no to refinance: {$refinance_no_1}\n
first institution: {$institution_1}\n
second description: {$description_2}\n
second card type: {$card_type_2}\n
second card limit: {$limit_2}\n
second cards amount owing: {$owing_2}\n
second cards monthly repayments: {$monthly_repayments_2}\n
yes to refinance yes: {$refinance_yes_2}\n
no to refinance: {$refinance_no_2}\n
second institution: {$institution_2}\n
third description: {$description_3}\n
third card type: {$card_type_3}\n
third card limit: {$limit_3}\n
third cards amount owing: {$owing_3}\n
third cards monthly repayments: {$monthly_repayments_3}\n
yes to refinance yes: {$refinance_yes_3}\n
no to refinance: {$refinance_no_3}\n
third institution: {$institution_3}\n
other assets and liabilities_1: {$other_assets_liabilities_1}\n
value of assets etc_1: {$value_1}\n
amountowing on assets and liabilities_1: {$assets_liabilities_owing_1}\n
monthly repayments on assets and liabilities_1: {$assets_liabilities_monthly_repayments_1}\n
yes to refinance_1: {$refinance_yes_1}\n
no to refinance_1: {$refinance_no_1}\n
institution_1: {$other_institution_1}\n
other assets and liabilities_2: {$other_assets_liabilities_2}\n
value of assets etc_2: {$value_2}\n
amountowing on assets and liabilities_2: {$assets_liabilities_owing_2}\n
monthly repayments on assets and liabilities_2: {$assets_liabilities_monthly_repayments_2}\n
yes to refinance_2: {$refinance_yes_2}\n
no to refinance_2: {$refinance_no_2}\n
institution_2: {$other_institution_2}\n
other assets and liabilities_3: {$other_assets_liabilities_3}\n
value of assets etc_3: {$value_3}\n
amountowing on assets and liabilities_3: {$assets_liabilities_owing_3}\n
monthly repayments on assets and liabilities_3: {$assets_liabilities_monthly_repayments_3}\n
yes to refinance_3: {$refinance_yes_3}\n
no to refinance_3: {$refinance_no_3}\n
institution_3: {$other_institution_3}\n
description of first vehicle: {$vehicle_description_1}\n
value of first vehicle: {$vehicle_value_1}\n
amount owing on first vehicle: {$vehicle_owing_1}\n
monthly repayments on first vehicle: {$vehicle_monthly_repayments_1}\n
yes to a refinance on first vehicle: {$vehicle_refinance_yes_1}\n
no to a refinance on first vehicle: {$vehicle_refinance_no_1}\n
first vehicle lender: {$vehicle_current_lender_1}\n
description of second vehicle: {$vehicle_description_2}\n
value of second vehicle: {$vehicle_value_2}\n
amount owing on second vehicle: {$vehicle_owing_2}\n
monthly repayments on second vehicle: {$vehicle_monthly_repayments_2}\n
yes to a refinance on second vehicle: {$vehicle_refinance_yes_2}\n
no to a refinance on second vehicle: {$vehicle_refinance_no_2}\n
second vehicle lender: {$vehicle_current_lender_2}\n
description of third vehicle: {$vehicle_description_3}\n
value of third vehicle: {$vehicle_value_3}\n
amount owing on third vehicle: {$vehicle_owing_3}\n
monthly repayments on third vehicle: {$vehicle_monthly_repayments_3}\n
yes to a refinance on third vehicle: {$vehicle_refinance_yes_3}\n
no to a refinance on third vehicle: {$vehicle_refinance_no_3}\n
third vehicle lender: {$vehicle_current_lender_3}\n
HTML;
try replacing it with
echo ("*** {$name} has submitted his/her info from your website **
title: {$title}\n
first name: {$first_name}\n
surname: {$surname}\n
phone: {$phone}\n
mobile: {$mobile}\n
fax: {$fax}\n
email: {$email}\n
applicant type: {$applicant_type}\n
customer type: {$customer_type}\n
number of applicants: {$number_of_applicants}\n
dependants: {$dependants}\n
loan fo_r own home: {$loan_for_own_home}\n
loan fo_r investment: {$loan_for_investment}\n
total value of properties: {$total_value_of_properties}\n
first home owner: {$first_home_owner}\n
term of loan: {$term_of_loan}\n
other mortgage repayments: {$other_mortgage_repayments}\n
other mortgage repayments per: {$other_mortgage_repayments_per}\n
ongoing rental payments: {$ongoing_rental_payments}\n
ongoing rental payments per: {$ongoing_rental_payments_per}\n
repayments on personal loans: ($repayments_on_personal_loans}\n
repayments on personal loans_per: {$repayments_on_personal_loans_per}\n
repayments on car loans: {$repayments_on_car_loans}\n
repayments on car loans per: {$repayments_on_car_loans_per}\n
family support payments: {$family_support_payments}\n
family support payments per: {$family_support_payments_per}\n
any other commitments: {$any_other_commitments}\n
any other commitments per: {$any_other_commitments_per}\n
store card limits: {$store_card_limits}\n
store card limits per: {$store_card_limits_per}\n
credit card limits: {$credit_card_limits}\n
credit card limits per: {$credit_card_limits_per}\n
PAYG or director salary: {$PAYG_slash_director_salary}\n
PAYG or director salary per: {$PAYG_slash_director_salary_per}\n
rental income sec property: {$rental_income_sec_property}\n
rental income sec property per: {$rental_income_sec_property_per}\n
rental income other property: {$rental_income_other_property}\n
rental income other property per: {$rental_income_other_property_per}\n
commissions: {$commissions}\n
commissions per: {$commissions_per}\n
bonus: {$bonus}\n
bonus per: {$bonus_per}\n
net profit: {$net_profit}\n
net profit per: {$net_profit_per}\n
DSS pension: {$DSS_pension}\n
DSS pension per: {$DSS_pension_per}\n
child support: {$child_support}\n
child support per: {$child_support_per}\n
depreciation etc: {$depreciation_etc}\n
depreciation etc per: {$depreciation_etc_per}\n
nontaxable income: {$nontaxable_income}\n
nontaxable income per: {$nontaxable_income_per}\n
other taxable income: {$other_taxable_income}\n
other taxable income per: {$other_taxable_income_per}\n
overtime: {$overtime}\n
overtime per: {$overtime_per}\n
annuities: {$annuities}\n
annuities_per: {$annuities_per}\n
income from super: {$income_from_super}\n
income from super per: {$income_from_super_per}\n
interest income: {$interest_income}\n
interest income per: {$interest_income_per}\n
dividends: {$dividends}\n
dividends per: {$dividends_per}\n
naval allowance: {$naval_allowance}\n
naval allowance per: {$naval_allowance_per}\n
tax deductions: {$tax_deductions}\n
tax deductions_per: {$tax_deductions_per}\n
first description: {$description_1}\n
first card type: {$card_type_1}\n
first card limit: {$limit_1}\n
first cards amount owing: {$owing_1}\n
first cards monthly repayments: {$monthly_repayments_1}\n
yes to refinance yes: {$refinance_yes_1}\n
no to refinance: {$refinance_no_1}\n
first institution: {$institution_1}\n
second description: {$description_2}\n
second card type: {$card_type_2}\n
second card limit: {$limit_2}\n
second cards amount owing: {$owing_2}\n
second cards monthly repayments: {$monthly_repayments_2}\n
yes to refinance yes: {$refinance_yes_2}\n
no to refinance: {$refinance_no_2}\n
second institution: {$institution_2}\n
third description: {$description_3}\n
third card type: {$card_type_3}\n
third card limit: {$limit_3}\n
third cards amount owing: {$owing_3}\n
third cards monthly repayments: {$monthly_repayments_3}\n
yes to refinance yes: {$refinance_yes_3}\n
no to refinance: {$refinance_no_3}\n
third institution: {$institution_3}\n
other assets and liabilities_1: {$other_assets_liabilities_1}\n
value of assets etc_1: {$value_1}\n
amountowing on assets and liabilities_1: {$assets_liabilities_owing_1}\n
monthly repayments on assets and liabilities_1: {$assets_liabilities_monthly_repayments_1}\n
yes to refinance_1: {$refinance_yes_1}\n
no to refinance_1: {$refinance_no_1}\n
institution_1: {$other_institution_1}\n
other assets and liabilities_2: {$other_assets_liabilities_2}\n
value of assets etc_2: {$value_2}\n
amountowing on assets and liabilities_2: {$assets_liabilities_owing_2}\n
monthly repayments on assets and liabilities_2: {$assets_liabilities_monthly_repayments_2}\n
yes to refinance_2: {$refinance_yes_2}\n
no to refinance_2: {$refinance_no_2}\n
institution_2: {$other_institution_2}\n
other assets and liabilities_3: {$other_assets_liabilities_3}\n
value of assets etc_3: {$value_3}\n
amountowing on assets and liabilities_3: {$assets_liabilities_owing_3}\n
monthly repayments on assets and liabilities_3: {$assets_liabilities_monthly_repayments_3}\n
yes to refinance_3: {$refinance_yes_3}\n
no to refinance_3: {$refinance_no_3}\n
institution_3: {$other_institution_3}\n
description of first vehicle: {$vehicle_description_1}\n
value of first vehicle: {$vehicle_value_1}\n
amount owing on first vehicle: {$vehicle_owing_1}\n
monthly repayments on first vehicle: {$vehicle_monthly_repayments_1}\n
yes to a refinance on first vehicle: {$vehicle_refinance_yes_1}\n
no to a refinance on first vehicle: {$vehicle_refinance_no_1}\n
first vehicle lender: {$vehicle_current_lender_1}\n
description of second vehicle: {$vehicle_description_2}\n
value of second vehicle: {$vehicle_value_2}\n
amount owing on second vehicle: {$vehicle_owing_2}\n
monthly repayments on second vehicle: {$vehicle_monthly_repayments_2}\n
yes to a refinance on second vehicle: {$vehicle_refinance_yes_2}\n
no to a refinance on second vehicle: {$vehicle_refinance_no_2}\n
second vehicle lender: {$vehicle_current_lender_2}\n
description of third vehicle: {$vehicle_description_3}\n
value of third vehicle: {$vehicle_value_3}\n
amount owing on third vehicle: {$vehicle_owing_3}\n
monthly repayments on third vehicle: {$vehicle_monthly_repayments_3}\n
yes to a refinance on third vehicle: {$vehicle_refinance_yes_3}\n
no to a refinance on third vehicle: {$vehicle_refinance_no_3}\n
third vehicle lender: {$vehicle_current_lender_3}\n");