Client needs analysis

Also known as our Application Form. It will take approximately 10-15 minutes to complete. It cannot be saved mid way so ensure you have enough time to finish it once you start.

- Step 1 of 13

What are you looking to do? *

Purchase a property to live in
Purchase an investment property
Refinance home I live in
Refinance investment property
Be a guarantor
Access Equity (for renos, invest, business, etc)
Consolidate other loans into home loan
Other

You can select more than one.

If consolidating debts or doing something not listed above, please leave some commentary...

Applicant 1 Details

Applicant 1 Name *

First

Middle

Last

Gender *

Male
Female

Date of Birth *//

Marital Status *

Mobile *

Home Phone

Email *

Do you have dependants? *

What are their ages? *

Australian residency status? *

What is the visa sub-class number? *

Applicant 1 Address Details

Address *

Address Line 1

City

State / Province / Region

Postal Code

Have you lived at this address over 3 years? *

When did you move in? *//

Previous Address *

Address Line 1

City

State / Province / Region

Postal Code

When did you move in? *//

Applicant 2 Details

Is there a second applicant? *

Relationship to Applicant 1? *

Applicant 2 Name *

First

Middle

Last

Gender *

Male
Female

Date of Birth *//

Marital Status *

Do you have dependants? *

Same dependants as Applicant 1? *

What are their ages? *

Australian residency status? *

What is the visa sub-class number? *

Mobile *

Home Phone

Email *

Applicant 2 Address Details

Are your address details the same as Applicant 1? *

Applicant 2 Address *

Address Line 1

City

State / Province / Region

Postal Code

Have you lived at this address for over 3 years? *

When did you move in? *//

Previous Address *

Address Line 1

City

State / Province / Region

Postal Code

When did you move in? *//

Applicant 1 Employment Details

Applicant 1 - Employment Status *

Have you been unemployed for over 3 years? *

Occupation *

Type of Work *

Employer/Business Name *

ABN Number *

Entity Type *

Employer/Business Phone *

Annual Base Salary *

Annual Commission Income

Annual Bonus Income

Most recent years taxable income from business? *

Has your self-employed abn been active for more than 2 years? *

Date your abn became active? *//

Applicant 1 - Employer/Business Address *

Address Line 1

City

State / Province / Region

Postal Code

Have you been with this employer/business over 3 years? *

When did you start with this employer/business? *//

Applicant 1 - Previous Employer Name *

Previous Occupation *

Previous Employer Phone *

Applicant 1 - Previous Employer Address *

Address Line 1

City

State / Province / Region

Postal Code

When did you start with this employer? *//

When did you finish with this employer? *//

Please provide details of any other types of income you are receiving...

Applicant 2 Employment Details

Applicant 2 - Employment Status *

Have you been unemployed over 3 years? *

Occupation *

Type of Work *

Employer/Business Name *

ABN Number *

Entity Type *

Employer/Business Phone *

Annual Base Salary *

Annual Commission Income

Annual Bonus Income

Most recent years taxable income from business? *

Has your self-employed abn been active for more than 2 years? *

Date your abn became active? *//

Applicant 2 - Employer/Business Address *

Address Line 1

City

State / Province / Region

Postal Code

Have you been with this employer/business over 3 years? *

When did you start with this employer/business? *//

Applicant 2 - Previous Employer Name *

Previous Occupation *

Previous Employer Phone *

Applicant 2 - Previous Employer Address *

Address Line 1

City

State / Province / Region

Postal Code

When did you start with this employer? *//

When did you finish with this employer? *//

Please provide details about any other type of income you are receiving...

Assets & Liabilities

What is your current living arrangement? *

Whose name is the property in? *

Applicant 1
Applicant 2

Estimated Value of Owner Occupied *

Loan balance on Owner Occupied *

Interest rate on Owner Occupied *

Which bank/lender is the loan with? *

How much do you pay in rent/board weekly?

Other details about your living situation...

How many investment properties do you have? *

Investment Property 1 Address *

Address Line 1

City

State / Province / Region

Postal Code

Whose name is the property in? *

Applicant 1
Applicant 2

Estimated Value of Investment Property 1 *

Loan balance - Investment Property 1 *

% Interest Rate - Investment Prop 1 *

Bank/lender - Investment Prop 1? *

Investment Property 2 Address *

Address Line 1

City

State / Province / Region

Postal Code

Whose name is the property in? *

Applicant 1
Applicant 2

Estimated Value of Investment Property 2 *

Debt Owing - Investment Property 2 *

Interest Rate of Investment Property 2 *

Bank/lender - Investment Prop 2? *

Details of any other properties you own:

How many vehicles do you have? *

Motor Vehicle 1 Value *

Make/Model/Year *

Car 1 Loan balance *

Car 1 Monthly Repayment *

Motor Vehicle 2 Value *

Make/Model/Year *

Car 2 Loan balance *

Car 2 Monthly Repayment *

Applicant 1 - Money in bank *

Total across all your accounts

Applicant 1 - Which banks do you have accounts with? *

Applicant 2 - Money in bank *

Total across all your accounts

Applicant 2 - Which banks do you have accounts with? *

Applicant 1 - Superannuation Balance *

Applicant 2 - Superannuation Balance *

Home Contents Value *

Investments/Shares Value *

Investment/Shares owned by...

Applicant 1
Applicant 2

Any other assets:

Details and values of other assets like other shared properties, boats, motorbikes, etc.

Other Liabilities

How many credit cards or store cards do you have? *

Card 1 - What is the card limit? *

Can be found on any of the statements

Which lender is the card with? *

Which applicant owns this card? *

Applicant 1
Applicant 2

Card 2 - What is the card limit? *

Can be found on any of the statements

Which lender is the card with? *

Which applicant owns this card? *

Applicant 1
Applicant 2

Card 3 - What is the card limit? *

Can be found on any of the statements

Which lender is the card with? *

Which applicant owns this card? *

Applicant 1
Applicant 2

Details about other credit cards or store cards:

How many personal loans do you have? *

Personal Loan 1 - What is the original loan limit? *

What is the current personal loan balance? *

What is the monthly repayment? *

What lender is the personal loan through? *

Details about other personal loans:

Do you have any HECS/HELP debt? *

What is the HECS/HELP balance? *

What is the monthly repayment? *

Which applicant has the debt? *

Applicant 1
Applicant 2

Details about any other liabilities:

ie, lease, line of credit, guarantor loan, overdraft, outstanding tax debt, margin loan, etc.

Any known credit issues that might show on your credit file? Please explain...

Lifestyle

First we need to know what your monthly living expenses are for your household. A "household" cannot be more than 2 adults and includes expenses for any children living in the house.

How many adults in this household? *

Person 1 Name *

First

Last

Person 2 Name *

First

Last

Combined Household Living Expenses

Groceries & Eating Out - Monthly *

Uber Eats, takeaway, Menulog, etc

Insurances - Monthly *

Home contents, income, medical, vehicle, etc

Owner-Occupied Property - Monthly *

Utilities, water & council rates, etc

Personal Care & Household - Monthly *

Clothing, beauty, cleaning, etc

Telecommunications - Monthly *

Internet, mobile, phone, etc

Public Transport & Vehicle - Monthly *

Petrol, registration, maintenance, etc

Education - Monthly *

Tuition, uniforms, fees, books - *Not HECS

Dependants - Monthly *

Childcare, child maintenance, etc

Investment Properties - Monthly *

Utilities, water & council rates, maintenance, etc

Medical & Health - Monthly *

Gym, meds, physio, dental, etc

Recreation & Entertainment - Monthly *

Sports, hobbies, going out, streaming subscriptions

Travel - Monthly *

Flights, etc,

Rent - Monthly *

Total rent paid for the household

Donations - Monthly *

Non-profit giving, religious giving, etc

Other - Monthly *

Any other misc ongoing expenses

Credit Profile

Person 1

Person 1 - Have you ever had any defaults, judgements, or legal proceedings recorded against you? *

If Yes, please explain...

Are all your current credit commitments being paid on time? *

If No, please explain how you plan to bring them up to date:

Are you a tax resident of a foreign country or a US citizen? *

If Yes, please provide your country of tax residency and your 'Tax Identification Number' (Social Security Number for US citizens)...

One a 1-10 scale how concerned are you about rising interest rates? 1 is not concerned, 10 is very concerned. *

One a 1-10 scale how would you rate your current job security? *

Person 2 - Have you ever had any defaults, judgements or legal proceedings recorded against you? *

If Yes, please explain...

Are all your current credit commitments being paid on time? *

If No, please explain...

Are you a tax resident of a foreign country or a US citizen? *

If Yes, please provide your country of tax residency and your 'Tax Identification Number' (Social Security Number for US citizens)...

One a 1-10 scale how concerned are you about rising interest rates? 1 is not concerned, 10 is very concerned. *

One a 1-10 scale how would you rate your current job security? *

Loan Features & Lender Preferences

Do you have a preference for the lender or type of lender you want to deal with? *

ie, major bank, 2nd tier bank, regional bank, credit union, etc.

If Yes, who...

Are there any specific lenders that you do not want to deal with? *

If Yes, who...

Please indicate if any of the below features are important to you. Any feature left unmarked will be assumed unimportant. *

Fixed Rate Loan
Redraw
Offset Account
Split Loan (part fixed/variable)
Multiple Offset Accounts
Interest Only Repayments
Principle & Interest Repayments
Portability (ability to sell and keep loan)
Line of Credit
Access to Lender Branch
Access to Loan via ATM
Fixed Rate Lock (fee applies)

Potential Changes to Circumstances

Do you anticipate any changes to your income in the next 6-12 months? *

If Yes, please explain...

Do you anticipate any changes to your expenses in the next 6-12 months? *

If Yes, please explain...

Lifestyle & Asset Protection

Do you have adequate Life Insurance? *

Yes
No
Don't Know

The purpose of life insurance is to provide you and your family with financial security if you were to pass away, become terminally ill, or in some cases if you become unable to work. Depending on your policy, life insurance can pay a benefit in events such as your death, disability or upon being diagnosed with a specified illness.

Do you have adequate Debt Protection Insurance? *

Yes
No
Don't Know

Debt protection insurance covers debt payments on certain covered loans if the insured loses their ability to pay due to a covered event. Such an event may be disability or illness, unemployment, or another hazard, depending on the particular policy

Do you have adequate Income Protection Insurance? *

Yes
No
Don't Know

Income protection insurance replaces the income lost through your inability to work due to injury or sickness. It is especially suitable for self-employed people, small business owners or professionals whose business relies heavily on their ability to work.

Do you have adequate Home & Contents Insurance? *

Yes
No
Don't Know

Home insurance provides financial cover for costs associated with re-building or repairing damage to your property as a result of certain events such as fire and theft. The extent of cover you receive is based on the type of policy you purchase.

Advice

Would you like to get advice and discuss your insurance options? *

No cost, no obligation.

Acknowledgements

I have read and agree to the privacy statement below. *

Agree

Privacy Statement:
We are committed to protecting the privacy of your personal information. Our Privacy Policy governs how we collect, handle, use and disclose your personal information. It also deals with how you can access the personal information we hold about you, ask us to correct it, or make a privacy related complaint. This policy explains how we respect your right to privacy in accordance with the Australian Privacy Principles contained in the Privacy Act (Cth).
What information do we collect and how do we use it?
We will collect personal information when we do business with you. This may include a broad range of information from your name, address and contact details to other information about your qualifications, employment history and financial information.
If you choose not to supply any of the information we request, our ability to assist you may be limited.
We will use your personal information:
• to conduct our business
• to manage our business relationships with you and with others, including Credit Providers
• to complete a transaction on your behalf
• to provide you with information about our products and services.
From time to time, we will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
You can unsubscribe ‘opt-out’ by notifying us and we will no longer send information to you.
How do we hold and protect your information?
We strive to maintain the relevance, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.
We take all reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification or exposure. Access to your information is restricted to those employees whose job requires that information. Access to our premises and computer systems is restricted through locks, password protection, internet firewalls and routers.
We will take reasonable steps to destroy or de-identify your personal information when your personal information is no longer required for our business functions.
Will we disclose the information we collect to anyone?
We do not sell, trade or rent client lists or personal information to any third party. We will disclose personal information about you to our credit providers and agents where it relates to our credit assistance.
In all cases we will only disclose that information that is strictly required, and take all reasonable steps to ensure that your personal information is handled in accordance with the Australian Privacy Principles
Otherwise, we will not disclose personal information unless you consent, we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
How can you access, update or correct the information we are holding?
You have the right to access your information. If you believe that we are holding inaccurate, incomplete, irrelevant or out of date data about you, you may ask us to correct it. You can make a request for access to or correction of your personal information by contacting us anytime.
In some limited circumstances we may need to refuse access to your information or refuse a request for correction. If this is the case, we will advise you as soon as possible after your request and provide you with our reasons for the refusal.
What happens if you are not happy with how your information is handled?
If you have concerns about whether we have complied with the Privacy Act or this Privacy Policy and would like to make a complaint please contact us. Your complaint will be considered through our internal complaints resolution process and we will try to respond with a decision as soon as possible.
Your consent
By asking us to assist, and signing this document, you consent to the collection and use of the information you have provided to us for the purposes described above. For more information on your privacy rights please visit www.privacy.gov.au

I confirm the information contained within this submission is true and correct. *

Agree

Name

Client needs analysis

Applicant 1 Details

Applicant 1 Address Details

Applicant 2 Details

Applicant 2 Address Details

Applicant 1 Employment Details

Applicant 2 Employment Details

Assets & Liabilities

Other Liabilities

Lifestyle

Combined Household Living Expenses

Credit Profile

Person 1

Loan Features & Lender Preferences

Potential Changes to Circumstances

Lifestyle & Asset Protection

Advice

Acknowledgements

About Us

Tools & Resources

Calculators

Contact Us