Mortgage Form Please enable JavaScript in your browser to complete this form.Please enable JavaScript in your browser to complete this form. – Step 1 of 8Credit Representative Name *Australian Credit Licence / Credit Representative Number *Interview Date Interview TimeClient OneClient TwoLoan Purpose *Additional Clients (copy) Line (copy) Comments / NotesNextTitleName *FirstLastMothers Maiden Name *FirstLastDriver License Number *Licence Expiry *Relationship StatusDate Of BirthPhone (H) *Phone (W)Mobile *EmailPermanent Resident *Current AddressTime ThereOwnership *RentingOwnerPostal AddressPrevious AddressTime ThereNumber Of DependantsDepandants AgePreviousNextTitle Name *FirstLastMothers Maiden Name FirstLastDriver License Number *Licence Expiry Relationship Status Date Of Birth Phone (H) *Phone (W) Mobile *EmailPermanent Resident *Current Address Time There OwnershipRentingOwnerPostal AddressPrevious AddressTime There Number Of Dependants Depandants AgePreviousNextFRIEND / RELATIVE (Not living with you) Name *Relationship *PhoneAddressEMPLOYMENT CLIENT ONE Current PositionEmployer *HR Contact Name *HR Phone Number *AddressStart DateProbation CompletePrevious Employer *Phone *Start DateEnd DateAddressClient has been advised that their employer will be contacted to confirm their Employment details.EMPLOYMENT CLIENT TWO Current Position *Employer *HR Contact NameHR Phone Number *AddressStart Date Probation Complete Previous Employer *Phone *Start Date End DateAddressClient has been advised that their employer will be contacted to confirm their employment detailsPreviousNextACCOUNTANT Name *PhoneEmail *FaxFirm Name *AddressSOLICITOR Name *PhoneEmail *FaxFirm Name *AddressIncome APPLICANT ONE Family BenefitNETT MONTHLY *RENTAL INCOMEGROSS ANNUALOther IncomeIncome APPLICANT TWO Family BenefitNETT MONTHLY RENTAL INCOME GROSS ANNUAL Other IncomeSELF EMPLOYED INCOME APPLICANT ONE TAXABLE INCOME Current YearPrevious YearDEPRECIATION INTEREST & BACK OTHER TOTAL SELF EMPLOYED INCOME APPLICANT TWO TAXABLE INCOME Current Year Previous Year DEPRECIATION INTEREST & BACK OTHER TOTAL COMPANY TRUST DETAILS COMPANY ABN / ACNTYPE OF TRUSTCOMPANY / TRUST NAMETRUSTEEREGISTERED ADDRESSBENEFICIARIESBUSINESS ADDRESSOTHERLiving Expenses Worksheet Income Income Weekly Fortnightly Monthly Net Salary Applicant 1 Single Line TextSingle Line TextSingle Line Text Net Salary Applicant 2 Single Line TextSingle Line Text Single Line TextBonuses/Overtime Applicant 1 Single Line TextSingle Line TextSingle Line Text Bonuses/Overtime Applicant 2 Single Line Text Single Line Text Single Line TextRent from Investment Properties Single Line TextSingle Line TextSingle Line TextFamily Benefits Single Line TextSingle Line TextSingle Line TextChild support Income Single Line Text Single Line TextSingle Line Text Other Single Line Text Single Line Text Single Line TextIncome Quarterly Annually Total PA Net Salary Applicant 1 Single Line TextSingle Line Text Single Line Text Net Salary Applicant 2 Single Line TextSingle Line TextSingle Line TextBonuses/Overtime Applicant 1 Single Line Text Single Line TextSingle Line Text Bonuses/Overtime Applicant 2 Single Line TextSingle Line TextSingle Line Text Rent from Investment Properties Single Line TextSingle Line TextSingle Line Text Family Benefits Single Line Text Single Line TextSingle Line Text Child support Income Single Line Text Single Line Text Single Line Text Other Single Line TextSingle Line Text Single Line Text Expenses Debt Discretionary? Y or N Weekly Fortnightly Mortgage Single Line TextSingle Line TextSingle Line TextMortgage 2 Single Line TextSingle Line TextSingle Line TextMortgage 3 Single Line TextSingle Line TextSingle Line TextMortgage Protection Insurance Single Line TextSingle Line TextSingle Line TextCredit Card Single Line TextSingle Line TextSingle Line Text Credit Card 2 Single Line TextSingle Line TextSingle Line TextCredit Card 3 Single Line TextSingle Line TextSingle Line TextPersonal Loan Single Line TextSingle Line TextSingle Line TextChild support Expenses Single Line Text Single Line TextSingle Line Text Other debts Single Line Text Single Line Text Single Line TextDebt Monthly Quarterly Annually Mortgage Single Line TextSingle Line Text Single Line TextMortgage 2 Single Line TextSingle Line TextSingle Line TextMortgage 3 Single Line TextSingle Line TextSingle Line Text Mortgage Protection Insurance Single Line TextSingle Line TextSingle Line TextCredit Card Single Line TextSingle Line TextSingle Line TextCredit Card 2 Single Line TextSingle Line Text Single Line TextCredit Card 3 Single Line TextSingle Line TextSingle Line TextPersonal Loan Single Line TextSingle Line TextSingle Line TextChild support Expenses Single Line TextSingle Line TextSingle Line Text Other debts Single Line TextSingle Line Text Single Line TextPreviousNextDebt Total PA Mortgage Single Line TextMortgage 2 Single Line TextMortgage 3 Single Line TextMortgage Protection Insurance Single Line TextCredit Card Single Line TextCredit Card2 Single Line TextCredit Card3 Single Line Text Personal Loan Single Line TextChild support Expenses Single Line Text Other debts Single Line TextSub Total Single Line TextHousehold Expenses Discretionary? Y or N Weekly Fortnightly Rent Single Line TextSingle Line TextSingle Line TextMaintenance/repairs Single Line TextSingle Line TextSingle Line TextElectricity Single Line TextSingle Line TextSingle Line Text Gas Single Line Text Single Line TextSingle Line Text Water Single Line TextSingle Line TextSingle Line Text Phone (including Mobiles) Single Line TextSingle Line TextSingle Line TextInternet Single Line TextSingle Line TextSingle Line Text Cable T.V Single Line Text Single Line TextSingle Line Text Council rates Single Line Text Single Line Text Single Line Text Water rates Single Line Text Single Line Text Single Line TextBody Corporate Single Line Text Single Line Text Single Line Text Home/Contents insurance Single Line Text Single Line Text Single Line Text House fixtures (Appliances) Single Line Text Single Line Text Single Line TextSecurity System Single Line TextSingle Line Text Single Line Text Remodelling/Renovations Single Line Text Single Line Text Single Line Text Living Expense Single Line TextSingle Line Text Single Line Text Household Expenses Monthly Quarterly Annually Rent Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Maintenance/repairs Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Electricity Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Gas Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Water Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Phone (including Mobiles) Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Internet Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Cable T.V Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Council rates Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Water rates Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Body Corporate Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Home/Contents insurance Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)House fixtures (Appliances) Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Security System Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Remodelling/Renovations Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Living Expense Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Household Expenses Total PA Rent Single Line TextElectricity Single Line Text Maintenance/repairs Single Line Text Water Single Line Text Gas Single Line TextPhone (including Mobiles) Single Line Text Internet Single Line Text Council rates Single Line TextCable T.V Single Line TextWater rates Single Line Text Body Corporate Single Line Text House fixtures (Appliances) Single Line TextHome/Contents insurance Single Line Text Security System Single Line Text Remodelling/Renovations Single Line Text Living Expense Single Line Text TotalPreviousNextShopping Expenses Discretionary? Y or N Weekly Fortnightly Groceries/Food (Staple items) Single Line TextSingle Line TextSingle Line TextPersonal care (Nails, Hair) Single Line TextSingle Line Text Single Line Text Groceries/Food (Luxury items) Single Line Text Single Line Text Single Line Text Clothes Single Line Text Single Line TextSingle Line Text Books/magazines Single Line Text Single Line Text Single Line Text Cigarettes Single Line Text Single Line Text Single Line Text Pets Single Line Text Single Line Text Single Line Text Shopping Expenses Monthly Quarterly Annually Groceries/Food (Staple items) Single Line Text Single Line Text Single Line Text Personal care (Nails, Hair) Single Line Text Single Line Text Single Line Text Groceries/Food (Luxury items) Single Line Text Single Line Text Single Line Text Clothes Single Line TextSingle Line Text Single Line TextBooks/magazines Single Line TextSingle Line Text Single Line Text Cigarettes Single Line Text Single Line Text Single Line Text Pets Single Line Text Single Line Text Single Line Text Shopping Expenses Total PA Groceries/Food (Staple items) Single Line TextGroceries/Food (Luxury items) Single Line TextPersonal care (Nails, Hair) Single Line Text Clothes Single Line Text Books/magazines Single Line TextCigarettes Single Line TextPets Single Line TextTotalHealth and Education Discretionary? YorN Weekly Fortnightly School fees Single Line Text Single Line Text Single Line Text Education fees (Uni/TAFE) Single Line Text Single Line Text Single Line Text Other Education (Textbooks) Single Line TextSingle Line Text Single Line Text Health Insurance Single Line Text Single Line Text Single Line Text Life Insurance (TPD, Trauma) Single Line Text Single Line Text Single Line TextMedical bills Single Line Text Single Line Text Single Line TextMedications Single Line TextSingle Line TextSingle Line Text Other Single Line Text Single Line Text Single Line Text Health and Education Monthly Quarterly Annually School fees Single Line TextSingle Line Text Single Line TextEducation fees (Uni/TAFE) Single Line Text Single Line TextSingle Line TextOther Education (Textbooks) Single Line Text Single Line Text Single Line Text Health Insurance Single Line TextSingle Line Text Single Line TexLife Insurance (TPD, Trauma) Single Line TextSingle Line Text Single Line Text Medical bills Single Line Text Single Line Text Single Line Text Medications Single Line TextSingle Line Text Single Line Text Other Single Line Text Single Line Text Single Line Text Health and Education Total PA School fees Single Line TextEducation fees (Uni/TAFE) Single Line TextOther Education (Textbooks) Single Line TextHealth Insurance Single Line Text Life Insurance (TPD, Trauma) Single Line Text Medical bills Single Line Text Medications Single Line Text Other Single Line Text TotalTransport Discretionary? Y or N Weekly Fortnightly Car loan/lease payment Single Line TextSingle Line Text Single Line TextCar maintenance Single Line Text Single Line TextSingle Line Text Car insurance Single Line Text Single Line Text Single Line Text Car registration/licence Single Line TexSingle Line Text Single Line Tex Petrol Single Line TextSingle Line Text Single Line Text Road tolls/parking Single Line Text Single Line Text Single Line Text Public transport Single Line Text Single Line Text Single Line Text Other Single Line Text Single Line Text Single Line Text Transport Monthly Quarterly Annually Car loan/lease payment Single Line TextSingle Line Text Single Line Text Car maintenance Single Line Text Single Line Text Single Line Text Car insurance Single Line Text Single Line Text Single Line Text Car registration/licence Single Line TexSingle Line Text Single Line TexPetrol Single Line Text Single Line TextSingle Line Text Road tolls/parking Single Line Text Single Line Text Single Line TextPublic transport Single Line Text Single Line Text Single Line TextOther Single Line Text Single Line Text Single Line Text Transport Total PA Car loan/lease payment Single Line TextCar maintenance Single Line TextCar insurance Single Line TexCar registration/licence Single Line TextPetrol Single Line Text Road tolls/parking Single Line TextPublic transport Single Line TextOther Single Line Text TotalEntertainment Expenses Discretionary? Yor N Weekly Fortnightly Meals out Single Line TextSingle Line TextSingle Line TextCoffee/Snacks Single Line Text Single Line Text Single Line Text Work meals Single Line Text Single Line Text Single Line Text Alcohol Single Line TextSingle Line Text Single Line Text Activities Single Line Text Single Line Text Single Line Text Holidays Single Line Text Single Line Text Single Line Text Sporting Events Single Line Text Single Line Text Single Line Text Extracurricular activities Single Line Text Single Line Text Single Line Text Other Single Line Text Single Line Text Single Line Text Entertainment Expenses Monthly Quarterly Annually Meals out Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Coffee/Snacks Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Work meals Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Alcohol Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Activities Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Holidays Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Sporting Events Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Extracurricular activities Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Other Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Other Expenses Discretionary? Yor N Weekly Fortnightly Additional Super Contributions Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Children’s Pocket Money Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Gifts Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Donations Single Line Tex (copy)Single Line Text (copy)Single Line Tex (copy)Other Single Line Text (copy)Single Line Text (copy)Single Line Text (copy)Other Expenses Monthly Quarterly Annually Additional Super Contributions Single Line Text (copy) (copy)Single Line Text (copy) (copy)Single Line Text (copy) (copy)Children’s Pocket Money Single Line Text (copy) (copy)Single Line Text (copy) (copy)Single Line Text (copy) (copy)Gifts Single Line Text (copy) (copy)Single Line Text (copy) (copy)Single Line Text (copy) (copy)Donations Single Line Tex (copy) (copy)Single Line Text (copy) (copy)Single Line Tex (copy) (copy)Other Single Line Text (copy) (copy)Single Line Text (copy) (copy)Single Line Text (copy) (copy)Other Expenses Total PA Additional Super Contributions Single Line TextChildren’s Pocket Money Single Line TextGifts Single Line Text Donations Single Line Text Other Single Line Text TotalSTATEMENT OF POSITION(ASSET AND LIABILITIES) OWNER OCCUPIED PROPERTY AddressValueLenderLimitOwingRepayment Add Remove INVESTMENT PROPERTIES AddressValue LenderLimit Owing Repayment Add Remove DEPOSIT ACCOUNTS (CREDIT CARDS) LenderValue LenderLimit Min RepayOwning Add Remove MOTOR VEHICLES (MOTOR VEHICLE DEBT) Make and ModelValue Lender Limit Min RepayOwning Add Remove FURNITURE / PERSONAL EFFECTS (OTHER DEBTS) Make and Model Value Lender Limit Min Repay Owning Add Remove SUPERANNUATION Value TOTAL ASSETSVALUETOTAL LIABILITIESVALUENET ASSET POSITIONPreviousNext INTEREST ONLY LOANS: If you have requested an interest only loan has your mortgage consultant discussed the advantages and disadvantages of interest only loans with you?(please indicate yes or no) CheckboxesYESNO Advantages of Interest Only Loans Extra repayments can be made to pay off the principal (fixed loans may be limited) Financial flexibility (lesser loan repayments when you need them) Lower monthly repayments May assist in maximizing tax deductions (seek advice from your accountant) Disadvantages of Interest Only Loans Very few lenders offer interest-only to owner-occupiers During the interest-only period, equity is not increasing in the property unless the value increases Once the interest-only period is complete, the loan will revert to principal and interest over the remaining term, meaning repayments will become higher Clients could be tempted to spend more money than they actually have REFINANCES If you have requested to refinance your existing loan has your mortgage consultant discussed the advantages and disadvantages of refinancing with you?(please indicate yes or no) Checkboxes (copy)YESNO Advantages of Refinancing Reduce monthly repayment Acquire better loan features Use equity in your home to get additional cash Save money by paying a lower interest rate Allows you to consolidate multiple debts into one repayment Disadvantages of Refinancing If getting cash out, this will increase your mortgage repayment and the size of your mortgage and reduce the equity in your home May increase or extend the length/term of your mortgage (often resetting to 30 years) There may be fees or costs to refinance Short-term debts consolidated into refinances are paid out over a longer period of time Potentially higher long-term costs of repayment of a loan resulting from extending the loan term Default risk on unsecured loans is transferred onto family home if consolidating debts FEATURES AND FACILITIES FIXED RATES FIXED RATES YesNoINTRODUCTORY FIXED RATE YesNoBASIC VARIABLE RATE YesNoLINE OF CREDIT YesNoCOMBINATION LOAN YesNoVARIABLE RATE YesNoINTRODUCTORY VARIABLE YesNoNON-CONFORMING YesNoLOW DOC LOAN YesNoSENIORS LOAN Field #457 (copy)Field #458 (copy)YesNoOTHER RedrawOffsetSwitchingTop upsInterest OnlyPortabilityExtra RepaymentsOtherSUITABILITY STATEMENT CURRENT FINANCIAL HEALTH APPLICANT ONE APPLICANT TWO In relation to current enquiries and goals, is the applicant aware of anything which will adversely affect their ability to meet their current & future financial obligations? CheckboxesYesNoCheckboxes YesNoDo the applicants anticipate any changes to their income in the next 12 months? Checkboxes YesNoCheckboxes YesNoHas the applicant ever had any credit defaults, judgements or previously been made bankrupt? CheckboxesYesNoCheckboxes YesNoESTATE & PLANNING APPLICANT ONE APPLICANT TWO Do you have a legal will in place? (If no, encourage to seek advice or review with change in circumstances?) Checkboxes YesNoCheckboxesYesNoWhat is your anticipated retirement date? Single Line TextSingle Line TextHow do you plan to reduce/clear your debt prior to retirement? Single Line Text Single Line TextPERSONAL INSURANCES APPLICANT ONE APPLICANT TWO I / we understand that the loss of income will affect my ability to repay my existing or proposed debt. I/we understand that there are insurances available that are designed to help protect my financial position in the event of illness, injury or death. CheckboxesYesNoCheckboxesYesNoDo you have any arrangements in place to protect your mortgage/debt existing or concurrent to this application in the event that things go wrong (injury/illness)? (If no, encourage to seek advice or review with change in circumstances?) Checkboxes YesNoCheckboxes YesNoDo you have adequate Life Protection insurance in the event of accidental death? CheckboxesYesNoCheckboxesYesNoI / we require further information to be provided in relation to insurances to enable us to make an informed decision. Checkboxes YesNoCheckboxesYesNoInsurance Needs Analysis I agree that my mortgage adviser has discussed the fact that I should consider looking at covering the debts I currently have through the following: I agree that my mortgage adviser has discussed the fact that I should consider looking at covering the debts I currently have through the following:Life InsuranceIncome Protection InsuranceTrauma and Total and Permanent DisabilityKnowing this, I would request the following: Knowing this, I would request the following:I would like to speak to an adviser about the above mentioned insurance. Please ask an Adviser to contact me.My mortgage adviser has acted appropriately, but I do not wish to be contacted about insurance, thank you.I acknowledge that every reasonable effort has been made to: I acknowledge that every reasonable effort has been made to:Encourage me to seek advice for my insurance needs.Explain the risks and possible ramification associated in having inadequate insurance.Building Insurance Building InsuranceI / we understand that I / we require building insurance and that this building insurance will need to reflect the lender that my / our loan is with.I / we would like to be referred to a building insurerI / We confirm that a copy of the Credit Guide has been received.In signing below I / we acknowledge that the information in this five page Clients Needs Analysis is true and correct. Applicant signatures Applicant Name *Signature *Date Lending Manager to complete the below section Recommendation Of Suitability & Facility Based on the information presented, I confirm that the following clients – Applicant One Single Line Text *Applicant Two Single Line Text (copy) *Other Single Line Text (copy) (copy)Based on the information presented, I confirm that the above clients request for credit is considered: Not unsuitableUnsuitableReasons for this determination include:We confirm that upon discussion of Lender Comparisons supplied to the client that the following lender has been selected:We confirm that this lender has been selected for the following reasons:Signed (Loan Writer) *Australian Credit Licence / Credit Representative Number *Name (Loan Writer) *Date PreviousSubmit
