AP0300 – Applicants – P2

Step 1 of 54

TEST Data - Click Next

Is the main applicant a person or company?(Required)

Individual

Company

Trust (SMSF)

Company Name

ACN

SMSF Name

ABN

TEST - Applicants

Please enter a number from 1 to 4.

B1 Name

B2 Name

B3 Name

B4 Name

DOB

DD slash MM slash YYYY

Address

Street Address Suburb State Postcode Country

TEST Data - Click Next

Matthew's Driver Licence

Australian driver licence number

Australian driver licence number(Required)

Licence expiry

Licence expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

Address on document

attachment - Driver Licence(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Matthew's Passport

Do you have a current passport?

Do you have a current passport?(Required)

Yes

Is your passport issued in Australia?

Is your passport issued in Australia?(Required)

Yes

Which country issued your passport?

Which country issued your passport?(Required)

Country

Passport number

Passport number(Required)

Passport date issued

Passported issued(Required)

DD slash MM slash YYYY

Passport expiry

Passport expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Passport(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

VEVO (Visa Detail Check)

You will need to attach your Visa Entitlement Verification Online (VEVO) statement which must include the following:

Period of stay - Indefinite
Visa type - Permanent resident

attachment - VEVO(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Matthew's Other Documents

Since you do not have a current passport, we require one of the following:

Full birth certificate
Citizenship certificate

and also the following:

Medicare card

Which document do you have?

Which document do you have?(Required)

Birth certificate

Citizenship certificate

Document number

Document number(Required)

Date issued

Date issued(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Birth / Citizenship Certificate(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Medicare card number

Medicare card number(Required)

Medicare expiry

Medicare expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Medicare Card(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Mark's Driver Licence

Australian driver licence number

Australian driver licence number(Required)

Licence expiry

Licence expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

Address on document

attachment - Driver Licence(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Mark's Passport

Do you have a current passport?

Do you have a current passport?(Required)

Yes

Is your passport issued in Australia?

Is your passport issued in Australia?(Required)

Yes

Which country issued your passport?

Which country issued your passport?(Required)

Country

Passport number

Passport number(Required)

Passport date issued

Passported issued(Required)

DD slash MM slash YYYY

Passport expiry

Passport expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Passport(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

VEVO (Visa Detail Check)

You will need to attach your Visa Entitlement Verification Online (VEVO) statement which must include the following:

Period of stay - Indefinite
Visa type - Permanent resident

attachment - VEVO(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Mark's Other Documents

Since you do not have a current passport, we require one of the following:

Full birth certificate
Citizenship certificate

and also the following:

Medicare card

Which document do you have?

Which document do you have?(Required)

Birth certificate

Citizenship certificate

Document number

Document number(Required)

Date issued

Date issued(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Birth / Citizenship Certificate(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Medicare card number

Medicare card number(Required)

Medicare expiry

Medicare expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Medicare Card(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Luke's Driver Licence

Australian driver licence number

Australian driver licence number(Required)

Licence expiry

Licence expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

Address on document

attachment - Driver Licence(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Luke's Passport

Do you have a current passport?

Do you have a current passport?(Required)

Yes

Is your passport issued in Australia?

Is your passport issued in Australia?(Required)

Yes

Which country issued your passport?

Which country issued your passport?(Required)

Country

Passport number

Passport number(Required)

Passport date issued

Passported issued(Required)

DD slash MM slash YYYY

Passport expiry

Passport expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Passport(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

VEVO (Visa Detail Check)

You will need to attach your Visa Entitlement Verification Online (VEVO) statement which must include the following:

Period of stay - Indefinite
Visa type - Permanent resident

attachment - VEVO(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Luke's Other Documents

Since you do not have a current passport, we require one of the following:

Full birth certificate
Citizenship certificate

and also the following:

Medicare card

Which document do you have?

Which document do you have?(Required)

Birth certificate

Citizenship certificate

Document number

Document number(Required)

Date issued

Date issued(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Birth / Citizenship Certificate(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Medicare card number

Medicare card number(Required)

Medicare expiry

Medicare expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Medicare Card(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

John's Driver Licence

Australian driver licence number

Australian driver licence number(Required)

Licence expiry

Licence expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

Address on document

attachment - Driver Licence(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

John's Passport

Do you have a current passport?

Do you have a current passport?(Required)

Yes

Is your passport issued in Australia?

Is your passport issued in Australia?(Required)

Yes

Which country issued your passport?

Which country issued your passport?(Required)

Country

Passport number

Passport number(Required)

Passport date issued

Passported issued(Required)

DD slash MM slash YYYY

Passport expiry

Passport expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Passport(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

VEVO (Visa Detail Check)

You will need to attach your Visa Entitlement Verification Online (VEVO) statement which must include the following:

Period of stay - Indefinite
Visa type - Permanent resident

attachment - VEVO(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

John's Other Documents

Since you do not have a current passport, we require one of the following:

Full birth certificate
Citizenship certificate

and also the following:

Medicare card

Which document do you have?

Which document do you have?(Required)

Birth certificate

Citizenship certificate

Document number

Document number(Required)

Date issued

Date issued(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Birth / Citizenship Certificate(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Medicare card number

Medicare card number(Required)

Medicare expiry

Medicare expiry(Required)

DD slash MM slash YYYY

Name on document

D.O.B on document

DD slash MM slash YYYY

attachment - Medicare Card(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

ABC Pty Ltd Certificate of Registration

Registered name (ASIC)

ACN

Australian Company Number

Is there an associated Trust?

Is there an associated Trust?(Required)

Yes

Are there any Trust Deed Variations?

Are there any Trust Deed Variations?(Required)

Yes

You will need to attach the Certificate of Registration for the Company which must include the following:

Company regitration name
Australian Company Number
ASIC certificate of registration

attachment - Certificate of Registration(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Super SMSF Certified Trust Deed

You will need to attach a cerfitied copy of the Trust Deed which must include the following:

All pages certified by a Solicitor or Justice of the Peace
Certifier to include full name and signature, date and registration number (if any), and a reference to the qualification or occupation that entitles them to certify the documents
Certifier must note number of pages and initial every page

attachment - Certified Trust Deed(Required)

Drop files here or

Max. file size: 15 MB, Max. files: 2.

attachment

I want to provide this later

Later

Certified Trust Deed Variations

You will need to attach a cerfitied copy of all Trust Deed Variations which must include the following:

All pages certified by a Solicitor or Justice of the Peace
Certifier to include full name and signature, date and registration number (if any), and a reference to the qualification or occupation that entitles them to certify the documents
Certifier must note number of pages and initial every page

attachment - Certified Trust Deed Variations(Required)

Drop files here or

Max. file size: 10 MB, Max. files: 3.

attachment

I want to provide this later

Later

Certified SMSF Trust Deed

SMSF Trust name

ABN

Are there any SMSF Trust Deed variations?

Are there any SMSF Trust Deed variations?(Required)

Yes

You will need to attach a cerfitied copy of the SMSF Trust Deed which must include the following:

All pages certified by a Solicitor or Justice of the Peace
Certifier to include full name and signature, date and registration number (if any), and a reference to the qualification or occupation that entitles them to certify the documents
Certifier must note number of pages and initial every page

attachment - Certified SMSF Trust Deed(Required)

Drop files here or

Max. file size: 15 MB, Max. files: 2.

attachment

I want to provide this later

Later

Certified SMSF Trust Deed variations

You will need to attach a cerfitied copy of all SMSF Trust Deed Variations which must include the following:

All pages certified by a Solicitor or Justice of the Peace
Certifier to include full name and signature, date and registration number (if any), and a reference to the qualification or occupation that entitles them to certify the documents
Certifier must note number of pages and initial every page

attachment - Certified SMSF Trust Deed variations(Required)

Drop files here or

Max. file size: 10 MB, Max. files: 3.

attachment

I want to provide this later

Later

SMSF Trustee Certificate of Registration

SMSF corporate trustee name

ACN

You will need to attach the SMSF Trustee Certificate of Registration of the SMSF Corporate Trustee company which must include the following:

Company regitration name
Australian Company Number
ASIC certificate of registration

attachment - Certificate of Registration(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

Certified Bare Trust Deed

Bare Trust name

ABN

Are there any Bare Trust Deed variations?

Are there any Bare Trust Deed variations?(Required)

Yes

You will need to attach a cerfitied copy of the Bare Trust Deed which must include the following:

All pages certified by a Solicitor or Justice of the Peace
Certifier to include full name and signature, date and registration number (if any), and a reference to the qualification or occupation that entitles them to certify the documents
Certifier must note number of pages and initial every page

attachment - Certified Bare Trust Deed(Required)

Drop files here or

Max. file size: 15 MB, Max. files: 2.

attachment

I want to provide this later

Later

Certified Bare Trust Deed variations

You will need to attach a cerfitied copy of all Bare Trust Deed Variations which must include the following:

All pages certified by a Solicitor or Justice of the Peace
Certifier to include full name and signature, date and registration number (if any), and a reference to the qualification or occupation that entitles them to certify the documents
Certifier must note number of pages and initial every page

attachment - Certified Bare Trust Deed variations(Required)

Drop files here or

Max. file size: 10 MB, Max. files: 3.

attachment

I want to provide this later

Later

Bare Trustee Certificate of Registration

Bare Trust corporate trustee name

ACN

You will need to attach the Bare Trustee Certificate of Registration of the Bare Trustee company which must include the following:

Company regitration name
Australian Company Number
ASIC certificate of registration

attachment - Certificate of Registration(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

attachment

I want to provide this later

Later

END

How many applicants will be on this loan?

Include individuals, company and trust entities that will be part of this application

Untitled

Applicant 1

Applicant 1's General Information

Title(Required)

First Name(Required)

Middle(s)

Surname(Required)

Date of birth(Required)

DD slash MM slash YYYY

Mother's maiden name(Required)

Mobile phone(Required)

Work contact(Required)

Email address(Required)

Applicant 2

Applicant 2's General Information

Title(Required)

First Name(Required)

Middle(s)

Surname(Required)

Date of birth

DD slash MM slash YYYY

Mother's maiden name

Mobile phone

Work contact

Email address

{:27:fallback[Applicant 1]}'s Marital Details

Marital status

Single

Married

DeFacto

Separated

Divorced

Widowed

Are you in relationship with {:28:fallback[Applicant 2]}?

Yes

How many dependents do you have?

Total Dependents Number(Required)

{:27:fallback[Applicant 1]}'s Dependent 1 Detail

{:27:fallback[Applicant 1]}'s Dependent 1's General Detail

First Name(Required)

Middle(s)

Surname(Required)

Date of birth

DD slash MM slash YYYY

{:27:fallback[Applicant 1]}'s Dependent 2 Detail

{:27:fallback[Applicant 1]}'s Dependent 2's General Detail

First Name(Required)

Middle(s)

Surname(Required)

Date of birth

DD slash MM slash YYYY

{:27:fallback[Applicant 1]}'s Dependent 3 Detail

{:27:fallback[Applicant 1]}'s Dependent 3's General Detail

First Name(Required)

Middle(s)

Surname(Required)

Date of birth

DD slash MM slash YYYY

{:27:fallback[Applicant 1]}'s Dependent 4 Detail

{:27:fallback[Applicant 1]}'s Dependent 4's General Detail

First Name(Required)

Middle(s)

Surname(Required)

Date of birth

DD slash MM slash YYYY

{:27:fallback[Applicant 1]}'s more Dependent Detail

{:27:fallback[Applicant 1]}'s Other Dependents' Details

Please enter each dependent's first name, middle name, second name and date of birth on each line followed by semicolon at the end.

Untitled

{:27:fallback[Applicant 1]}'s Address Details

Are you an Australian citizen or permanent resident living in Australia?

Yes

What is your country of citizenship?

Country

What is your country of residence?

Country

What is your living situation?

Own Home - Mortgage

Own Home - Unencumbered

Renting

Boarding

With Parents

Your residential address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

In this address since:

DD slash MM slash YYYY

Hidden

Date

DD slash MM slash YYYY

Hidden

Calc - Number of days - Current address

Section Break

Your previous residential address:

We require 5 years residential address history so please include previous details

Address

Street Address Suburb State Postcode Country

What was your living situation?

Own Home - Mortgage

Own Home - Unencumbered

Renting

Boarding

With Parents

Was in this address since:

DD slash MM slash YYYY

Hidden

Calc - Number of days - Previous1 address

Section Break

Your next previous residential address:

We require 5 years residential address history so please include previous details

Address

Street Address Suburb State Postcode Country

What was your living situation?

Own Home - Mortgage

Own Home - Unencumbered

Renting

Boarding

With Parents

Was in this address since:

DD slash MM slash YYYY

Hidden

Calc - Number of days - Previous2 address

Section Break

Is the mailing address the same with your registered address?

Yes

The mailing address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Is the post settlement address the same with your registered address?

Yes

Your post settlement address:

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

{:28:fallback[Applicant 2]}'s Marital Details

Marital status

Single

Married

DeFacto

Separated

Divorced

Widowed

Do you have any other dependents not mentioned by {:27:fallback[Applicant 1]}?

Yes

How many dependents do you have?

Total Dependents Number(Required)

{:28:fallback[Applicant 2]}'s Dependent 1 Detail

{:28:fallback[Applicant 2]}'s Dependent 1's General Detail

First Name(Required)

Middle(s)

Surname(Required)

Date of birth

DD slash MM slash YYYY

{:28:fallback[Applicant 2]}'s Dependent 2 Detail

{:28:fallback[Applicant 2]}'s Dependent 2's General Detail

First Name(Required)

Middle(s)

Surname(Required)

Date of birth

DD slash MM slash YYYY

{:28:fallback[Applicant 2]}'s Dependent 3 Detail

{:28:fallback[Applicant 2]}'s Dependent 3's General Detail

First Name(Required)

Middle(s)

Surname(Required)

Date of birth

DD slash MM slash YYYY

{:28:fallback[Applicant 2]}'s Dependent 4 Detail

{:28:fallback[Applicant 2]}'s Dependent 4's General Detail

First Name(Required)

Middle(s)

Surname(Required)

Date of birth

DD slash MM slash YYYY

{:28:fallback[Applicant 2]}'s more Dependent Detail

{:28:fallback[Applicant 2]}'s Other Dependents' Details

Please enter each dependent's first name, middle name, second name and date of birth on each line followed by semicolon at the end.

Untitled

{:28:fallback[Applicant 2]}'s Address Details

Are you an Australian citizen or permanent resident living in Australia?

Yes

What is your country of citizenship?

Country

What is your country of residence?

Country

What is your living situation?

Own Home - Mortgage

Own Home - Unencumbered

Renting

Boarding

With Parents

Your residential address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

In this address since:

DD slash MM slash YYYY

Hidden

Calc - Number of days - Current address

Section Break

Your previous residential address:

We require 5 years residential address history so please include previous details

Address

Street Address Suburb State Postcode Country

What was your living situation?

Own Home - Mortgage

Own Home - Unencumbered

Renting

Boarding

With Parents

Was in this address since:

DD slash MM slash YYYY

Hidden

Calc - Number of days - Previous1 address

Section Break

Your next previous residential address:

We require 5 years residential address history so please include previous details

Address

Street Address Suburb State Postcode Country

What was your living situation?

Own Home - Mortgage

Own Home - Unencumbered

Renting

Boarding

With Parents

Was in this address since:

DD slash MM slash YYYY

Hidden

Calc - Number of days - Previous2 address

Section Break

Is the mailing address the same with your registered address?

Yes

The mailing address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Is the post settlement address the same with your registered address?

Yes

Your post settlement address:

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

{:27:fallback[Applicant 1]}'s Driver Licence

Australian driver licence number

Licence expiry

DD slash MM slash YYYY

Name on document

Address on document

Attachment - Driver Licence

attachment - Driver Licence(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

{:27:fallback[Applicant 1]}'s Passport

Do you have a current passport?

Yes

Section Break

Is your passport issued in Australia?

Yes

Which country issued your passport?

Country

Passport number

Passport date issued

DD slash MM slash YYYY

Passport expiry

DD slash MM slash YYYY

Name on document

Attachment - Passport

File(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

VEVO (Visa Detail Check)

You will need to attach your Visa Entitlement Verification Online (VEVO) statement which must include the following:

Period of stay - Indefinite
Visa type - Permanent resident

Attachment - VEVO

attachment - VEVO(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

{:27:fallback[Applicant 1]}'s Other Documents

Since you do not have a current passport, we require one of the following:

Full birth certificate
Citizenship certificate

Which document do you have?

Birth certificate

Citizenship certificate

Document number

Date issued

DD slash MM slash YYYY

Name on document

Attachment - Birth Certificate

Attachment - Citizenship Certificate

attachment - Birth / Citizenship Certificate(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Medicare card number

Medicare expiry

DD slash MM slash YYYY

Name on document

Attachment - Medicare Card

attachment - Medicare Card(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

{:28:fallback[Applicant 2]}'s Driver Licence

Australian driver licence number

Licence expiry

DD slash MM slash YYYY

Name on document

Address on document

Attachment - Driver Licence

attachment - Driver Licence(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

{:28:fallback[Applicant 2]}'s Passport

Do you have a current passport?

Yes

Section Break

Is your passport issued in Australia?

Yes

Which country issued your passport?

Country

Passport number

Passport date issued

DD slash MM slash YYYY

Passport expiry

DD slash MM slash YYYY

Name on document

Attachment - Passport

attachment - Passport(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

VEVO (Visa Detail Check)

You will need to attach your Visa Entitlement Verification Online (VEVO) statement which must include the following:

Period of stay - Indefinite
Visa type - Permanent resident

Attachment - VEVO

attachment - VEVO(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

{:28:fallback[Applicant 2]}'s Other Documents

Since you do not have a current passport, we require one of the following:

Full birth certificate
Citizenship certificate

Which document do you have?

Birth certificate

Citizenship certificate

Document number

Date issued

DD slash MM slash YYYY

Name on document

Attachment - Birth Certificate

Attachment - Citizenship Certificate

attachment - Birth / Citizenship Certificate(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Medicare card number

Medicare expiry

DD slash MM slash YYYY

Name on document

Attachment - Medicare Card

attachment - Medicare Card(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

{:27}'s Income

What is {:27}'s main source of income?

If you are a company director or self funded retiree, please select Self-employed

Untitled

PAYG

Self-employed

Not working

Section Break

Please have the following documents ready for uploading:

2 most recent payslips
Most recent Group Certificate or ATO Income Statement

Pay-As-You-Go (PAYG) defines those borrowers that are employed by another party and can be employed as:

Permanent Full Time
Permanent Part Time
Casual
Contractor

Employment status

Full Time

Part Time

Contractor

Casual

Employment period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Hidden

PayG Calculation

Job position

Title

Occupation

Are you on probation?

Yes

Hidden

Number

Gross base salary

Base Salary

Frequency

Bonus income

Bonus Amount

Frequency

Commission income

Commission Amount

Frequency

Overtime income

Overtime Amount

Frequency

Are there deductions outside of tax on your payslips?

Yes

Total deductions

Frequency

Employment details

Company Name

Company ABN

Employment contact

Company Phone No.

Employer address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Attachments - 2 most recent payslips

attachments - 2 most recent payslips(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment - ATO Income Statement - last financial year

attachment - ATO Income Statement - last financial year(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Attachments - Bonus - 2 years summary payslips showing bonus

attachments - Bonus - 2 years summary payslips showing bonus(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 5.

I want to provide this later

Later

Attachments - Commission - 2 years tax returns

attachments - Commission - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Overtime - 2 years summary payslips showing overtime

attachments - Overtime - 2 years summary payslips showing overtime(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Section Break

Please have the following documents ready for uploading:

2 years Tax Returns for individuals
2 years Tax Assessment Notices for individuals
2 years Tax Returns for business and company entities
2 years full financial statements for all business and company entities, to include profit and loss and balance sheets
Most recent Business Activity Statement (BAS)

Self Employed is the term used for any borrower that earns from a business in which they are the sole trader, a partner, director or shareholder and where they have managing control of the company:

Sole Trader
Professional consultants
Sub-contractors
Directors
Shareholder with managing control

Work Structure

Sole Trader

Partnership

Company

Trust

Work period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Hidden

Self-employ Calculation

Job position

Title

Occupation

Nature of Business

Business name

Business Name

Business ABN

Business contact

Business Phone No.

Business address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Your Accountant's Details

This is the Accountant who is assisting with your tax returns

Accounting firm name

Main consultant name

Phone number

Your share of the business

Business net taxable income

Recent financial year

Previous financial year

Director's salary

Recent financial year

Previous financial year

Company net taxable income

Recent financial year

Previous financial year

Are there outstanding business loans?

Yes

Business loan facility

Total loan

Interest rate

Attachments - Individual - 2 years tax returns

attachments - Individual - 2 years tax returns(Required)

Drop files here or

Max. file size: 15 MB, Max. files: 3.

I want to provide this later

Later

Attachments - 2 years Notice Of Assessment

attachments - 2 years Notice Of Assessment(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years tax returns

attachments - Company - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years financials

attachments - Company - 2 years financials(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment(s) - Company - most recent BAS

attachment(s) - Company - most recent BAS(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Section Break

Please specify any work history in the last 3 years. Otherwise, outline how long you have not been working for:

Past 3 years work history (if any)

The following sources are classified as non-income:

Government benefits and pensions
Worker's compensations
Sickness benefits
Scholarship income
Higher Duties payments

Reason

Studying

Homemaker

Government benefits

Work compensations

Period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Hidden

No work Calculation

Section Break

Do you have a previous job?

Yes

Do you have a second job?

Yes

{:27}'s Previous Job

What is {:27}'s previous source of income?

If you are a company director or self funded retiree, please select Self-employed

Untitled

PAYG

Self-employed

Section Break

Please have the following documents ready for uploading:

2 most recent payslips
Most recent Group Certificate or ATO Income Statement

Pay-As-You-Go (PAYG) defines those borrowers that are employed by another party and can be employed as:

Permanent Full Time
Permanent Part Time
Casual
Contractor

Employment status

Full Time

Part Time

Contractor

Casual

Employment period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Job position

Title

Occupation

Gross base salary

Base Salary

Frequency

Bonus income

Bonus Amount

Frequency

Commission income

Commission Amount

Frequency

Overtime income

Overtime Amount

Frequency

Are there deductions outside of tax on your payslips?

Yes

Total deductions

Frequency

Employment details

Company Name

Company ABN

Employment contact

Company Phone No.

Employer address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Attachments - 2 most recent payslips

attachments - 2 most recent payslips(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment - ATO Income Statement - last financial year

attachment - ATO Income Statement - last financial year(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Attachments - Bonus - 2 years summary payslips showing bonus

attachments - Bonus - 2 years summary payslips showing bonus(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 5.

I want to provide this later

Later

Attachments - Commission - 2 years tax returns

attachments - Commission - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Overtime - 2 years summary payslips showing overtime

attachments - Overtime - 2 years summary payslips showing overtime(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Section Break

Please have the following documents ready for uploading:

2 years Tax Returns for individuals
2 years Tax Assessment Notices for individuals
2 years Tax Returns for business and company entities
2 years full financial statements for all business and company entities, to include profit and loss and balance sheets
Most recent Business Activity Statement (BAS)

Self Employed is the term used for any borrower that earns from a business in which they are the sole trader, a partner, director or shareholder and where they have managing control of the company:

Sole Trader
Professional consultants
Sub-contractors
Directors
Shareholder with managing control

Work Structure

Sole Trader

Partnership

Company

Trust

Work period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Job position

Title

Occupation

Nature of Business

Business name

Business Name

Business ABN

Business contact

Business Phone No.

Business address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Your Accountant's Details

This is the Accountant who is assisting with your tax returns

Accounting firm name

Main consultant name

Phone number

Your share of the business

Business net taxable income

Recent financial year

Previous financial year

Director's salary

Recent financial year

Previous financial year

Company net taxable income

Recent financial year

Previous financial year

Attachments - Individual - 2 years tax returns

attachments - Individual - 2 years tax returns(Required)

Drop files here or

Max. file size: 15 MB, Max. files: 3.

I want to provide this later

Later

Attachments - 2 years Notice Of Assessment

attachments - 2 years Notice Of Assessment(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years tax returns

attachments - Company - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years financials

attachments - Company - 2 years financials(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment(s) - Company - most recent BAS

attachment(s) - Company - most recent BAS(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

{:27}'s Second Job

What is {:27}'s secondary source of income?

If you are a company director or self funded retiree, please select Self-employed

Untitled

PAYG

Self-employed

Section Break

Please have the following documents ready for uploading:

2 most recent payslips
Most recent Group Certificate or ATO Income Statement

Pay-As-You-Go (PAYG) defines those borrowers that are employed by another party and can be employed as:

Permanent Full Time
Permanent Part Time
Casual
Contractor

Employment status

Full Time

Part Time

Contractor

Casual

Employment period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Job position

Title

Occupation

Are you on probation?

Yes

Gross base salary

Base Salary

Frequency

Bonus income

Bonus Amount

Frequency

Commission income

Commission Amount

Frequency

Overtime income

Overtime Amount

Frequency

Are there deductions outside of tax on your payslips?

Yes

Total deductions

Frequency

Employment details

Company Name

Company ABN

Employment contact

Company Phone No.

Employer address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Attachments - 2 most recent payslips

attachments - 2 most recent payslips(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment - ATO Income Statement - last financial year

attachment - ATO Income Statement - last financial year(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Attachments - Bonus - 2 years summary payslips showing bonus

attachments - Bonus - 2 years summary payslips showing bonus(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 5.

I want to provide this later

Later

Attachments - Commission - 2 years tax returns

attachments - Commission - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Overtime - 2 years summary payslips showing overtime

attachments - Overtime - 2 years summary payslips showing overtime(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Section Break

Please have the following documents ready for uploading:

2 years Tax Returns for individuals
2 years Tax Assessment Notices for individuals
2 years Tax Returns for business and company entities
2 years full financial statements for all business and company entities, to include profit and loss and balance sheets
Most recent Business Activity Statement (BAS)

Self Employed is the term used for any borrower that earns from a business in which they are the sole trader, a partner, director or shareholder and where they have managing control of the company:

Sole Trader
Professional consultants
Sub-contractors
Directors
Shareholder with managing control

Work Structure

Sole Trader

Partnership

Company

Trust

Work period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Job position

Title

Occupation

Nature of Business

Business name

Business Name

Business ABN

Business contact

Business Phone No.

Business address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Your Accountant's Details

This is the Accountant who is assisting with your tax returns

Accounting firm name

Main consultant name

Phone number

Your share of the business

Business net taxable income

Recent financial year

Previous financial year

Director's salary

Recent financial year

Previous financial year

Company net taxable income

Recent financial year

Previous financial year

Are there outstanding business loans?

Yes

Business loan facility

Total loan

Interest rate

Attachments - Individual - 2 years tax returns

attachments - Individual - 2 years tax returns(Required)

Drop files here or

Max. file size: 15 MB, Max. files: 3.

I want to provide this later

Later

Attachments - 2 years Notice Of Assessment

attachments - 2 years Notice Of Assessment(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years tax returns

attachments - Company - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years financials

attachments - Company - 2 years financials(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment(s) - Company - most recent BAS

attachment(s) - Company - most recent BAS(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

{:28}'s Income

What is {:28}'s main source of income?

If you are a company director or self funded retiree, please select Self-employed

Untitled

PAYG

Self-employed

Not working

Section Break

Please have the following documents ready for uploading:

2 most recent payslips
Most recent Group Certificate or ATO Income Statement

Pay-As-You-Go (PAYG) defines those borrowers that are employed by another party and can be employed as:

Permanent Full Time
Permanent Part Time
Casual
Contractor

Employment status

Full Time

Part Time

Contractor

Casual

Employment period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Hidden

PayG Calculation

Job position

Title

Occupation

Are you on probation?

Yes

Gross base salary

Base Salary

Frequency

Bonus income

Bonus Amount

Frequency

Commission income

Commission Amount

Frequency

Overtime income

Overtime Amount

Frequency

Are there deductions outside of tax on your payslips?

Yes

Total deductions

Frequency

Employment details

Company Name

Company ABN

Employment contact

Company Phone No.

Employer address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Attachments - 2 most recent payslips

attachments - 2 most recent payslips(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment - ATO Income Statement - last financial year

attachment - ATO Income Statement - last financial year(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Attachments - Bonus - 2 years summary payslips showing bonus

attachments - Bonus - 2 years summary payslips showing bonus(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 5.

I want to provide this later

Later

Attachments - Commission - 2 years tax returns

attachments - Commission - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Overtime - 2 years summary payslips showing overtime

attachments - Overtime - 2 years summary payslips showing overtime(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Section Break

Please have the following documents ready for uploading:

2 years Tax Returns for individuals
2 years Tax Assessment Notices for individuals
2 years Tax Returns for business and company entities
2 years full financial statements for all business and company entities, to include profit and loss and balance sheets
Most recent Business Activity Statement (BAS)

Self Employed is the term used for any borrower that earns from a business in which they are the sole trader, a partner, director or shareholder and where they have managing control of the company:

Sole Trader
Professional consultants
Sub-contractors
Directors
Shareholder with managing control

Work Structure

Sole Trader

Partnership

Company

Trust

Work period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Hidden

Self-employ Calculation

Job position

Title

Occupation

Nature of Business

Business name

Business Name

Business ABN

Business contact

Business Phone No.

Business address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Your Accountant's Details

This is the Accountant who is assisting with your tax returns

Accounting firm name

Main consultant name

Phone number

Your share of the business

Business net taxable income

Recent financial year

Previous financial year

Director's salary

Recent financial year

Previous financial year

Company net taxable income

Recent financial year

Previous financial year

Are there outstanding business loans?

Yes

Business loan facility

Total loan

Interest rate

Attachments - Individual - 2 years tax returns

attachments - Individual - 2 years tax returns(Required)

Drop files here or

Max. file size: 15 MB, Max. files: 3.

I want to provide this later

Later

Attachments - 2 years Notice Of Assessment

attachments - 2 years Notice Of Assessment(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years tax returns

attachments - Company - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years financials

attachments - Company - 2 years financials(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment(s) - Company - most recent BAS

attachment(s) - Company - most recent BAS(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Section Break

Please specify any work history in the last 3 years. Otherwise, outline how long you have not been working for:

Past 3 years work history (if any)

The following sources are classified as non-income:

Government benefits and pensions
Worker's compensations
Sickness benefits
Scholarship income
Higher Duties payments

Reason

Studying

Homemaker

Government benefits

Work compensations

Period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Hidden

No work Calculation

Section Break

Do you have a previous job?

Yes

Do you have a second job?

Yes

{:28}'s Previous Job

What is {:28}'s previous source of income?

If you are a company director or self funded retiree, please select Self-employed

Untitled

PAYG

Self-employed

Section Break

Please have the following documents ready for uploading:

2 most recent payslips
Most recent Group Certificate or ATO Income Statement

Pay-As-You-Go (PAYG) defines those borrowers that are employed by another party and can be employed as:

Permanent Full Time
Permanent Part Time
Casual
Contractor

Employment status

Full Time

Part Time

Contractor

Casual

Employment period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Job position

Title

Occupation

Gross base salary

Base Salary

Frequency

Bonus income

Bonus Amount

Frequency

Commission income

Commission Amount

Frequency

Overtime income

Overtime Amount

Frequency

Are there deductions outside of tax on your payslips?

Yes

Total deductions

Frequency

Employment details

Company Name

Company ABN

Employment contact

Company Phone No.

Employer address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Attachments - 2 most recent payslips

attachments - 2 most recent payslips(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment - ATO Income Statement - last financial year

attachment - ATO Income Statement - last financial year(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Attachments - Bonus - 2 years summary payslips showing bonus

attachments - Bonus - 2 years summary payslips showing bonus(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 5.

I want to provide this later

Later

Attachments - Commission - 2 years tax returns

attachments - Commission - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Overtime - 2 years summary payslips showing overtime

attachments - Overtime - 2 years summary payslips showing overtime(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Section Break

Please have the following documents ready for uploading:

2 years Tax Returns for individuals
2 years Tax Assessment Notices for individuals
2 years Tax Returns for business and company entities
2 years full financial statements for all business and company entities, to include profit and loss and balance sheets
Most recent Business Activity Statement (BAS)

Self Employed is the term used for any borrower that earns from a business in which they are the sole trader, a partner, director or shareholder and where they have managing control of the company:

Sole Trader
Professional consultants
Sub-contractors
Directors
Shareholder with managing control

Work Structure

Sole Trader

Partnership

Company

Trust

Work period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Job position

Title

Occupation

Nature of Business

Business name

Business Name

Business ABN

Business contact

Business Phone No.

Business address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Your Accountant's Details

This is the Accountant who is assisting with your tax returns

Accounting firm name

Main consultant name

Phone number

Your share of the business

Business net taxable income

Recent financial year

Previous financial year

Director's salary

Recent financial year

Previous financial year

Company net taxable income

Recent financial year

Previous financial year

Attachments - Individual - 2 years tax returns

attachments - Individual - 2 years tax returns(Required)

Drop files here or

Max. file size: 15 MB, Max. files: 3.

I want to provide this later

Later

Attachments - 2 years Notice Of Assessment

attachments - 2 years Notice Of Assessment(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years tax returns

attachments - Company - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years financials

attachments - Company - 2 years financials(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment(s) - Company - most recent BAS

attachment(s) - Company - most recent BAS(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

{:28}'s Second Job

What is {:28}'s secondary source of income?

If you are a company director or self funded retiree, please select Self-employed

Untitled

PAYG

Self-employed

Section Break

Please have the following documents ready for uploading:

2 most recent payslips
Most recent Group Certificate or ATO Income Statement

Pay-As-You-Go (PAYG) defines those borrowers that are employed by another party and can be employed as:

Permanent Full Time
Permanent Part Time
Casual
Contractor

Employment status

Full Time

Part Time

Contractor

Casual

Employment period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Job position

Title

Occupation

Are you on probation?

Yes

Gross base salary

Base Salary

Frequency

Bonus income

Bonus Amount

Frequency

Commission income

Commission Amount

Frequency

Overtime income

Overtime Amount

Frequency

Are there deductions outside of tax on your payslips?

Yes

Total deductions

Frequency

Employment details

Company Name

Company ABN

Employment contact

Company Phone No.

Employer address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Attachments - 2 most recent payslips

attachments - 2 most recent payslips(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment - ATO Income Statement - last financial year

attachment - ATO Income Statement - last financial year(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Attachments - Bonus - 2 years summary payslips showing bonus

attachments - Bonus - 2 years summary payslips showing bonus(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 5.

I want to provide this later

Later

Attachments - Commission - 2 years tax returns

attachments - Commission - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Overtime - 2 years summary payslips showing overtime

attachments - Overtime - 2 years summary payslips showing overtime(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Section Break

Please have the following documents ready for uploading:

2 years Tax Returns for individuals
2 years Tax Assessment Notices for individuals
2 years Tax Returns for business and company entities
2 years full financial statements for all business and company entities, to include profit and loss and balance sheets
Most recent Business Activity Statement (BAS)

Self Employed is the term used for any borrower that earns from a business in which they are the sole trader, a partner, director or shareholder and where they have managing control of the company:

Sole Trader
Professional consultants
Sub-contractors
Directors
Shareholder with managing control

Work Structure

Sole Trader

Partnership

Company

Trust

Work period

Start Date

DD slash MM slash YYYY

End Date

DD slash MM slash YYYY

Job position

Title

Occupation

Nature of Business

Business name

Business Name

Business ABN

Business contact

Business Phone No.

Business address

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

Your Accountant's Details

This is the Accountant who is assisting with your tax returns

Accounting firm name

Main consultant name

Phone number

Your share of the business

Business net taxable income

Recent financial year

Previous financial year

Director's salary

Recent financial year

Previous financial year

Company net taxable income

Recent financial year

Previous financial year

Are there outstanding business loans?

Yes

Business loan facility

Total loan

Interest rate

Attachments - Individual - 2 years tax returns

attachments - Individual - 2 years tax returns(Required)

Drop files here or

Max. file size: 15 MB, Max. files: 3.

I want to provide this later

Later

Attachments - 2 years Notice Of Assessment

attachments - 2 years Notice Of Assessment(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years tax returns

attachments - Company - 2 years tax returns(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachments - Company - 2 years financials

attachments - Company - 2 years financials(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Attachment(s) - Company - most recent BAS

attachment(s) - Company - most recent BAS(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 3.

I want to provide this later

Later

Real Estate

Do you own other properties?

Please include details of each property which are part of your existing assets.

Real Estate

Yes

Add your other existing properties as assets, in particular ones that are outside the listed securities on this application. Please have the following documents ready for uploading:

Most recent rental income statement
Most recent council rates notice
6 months home loan statement
Title search if unencumbered

How many other properties do you own?

Property 1

Property Details

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

What is the current value of this property?

What is the primary purpose of this property?

Owner Occupied

Investment

What is or will be the rental return?

Rental Amount

Frequency

Rental confirmation in the form of:

Rental Statement

Appraisal

Attachment(s) - Rental Statement

Attachment(s) - Appraisal

attachment(s) - (Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

What type of building is on the premise?

Is the building new or an established structure?

Established

New Building

To Be Built

Vacant Land

What has the local council defined the zoning to be?

Residential

Commercial

Industrial

Rural

Is this property owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Is there a home loan or mortgage connected?

Yes

Property 2

Property Details

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

What is the current value of this property?

What is the primary purpose of this property?

Owner Occupied

Investment

What is or will be the rental return?

Rental Amount

Frequency

Rental confirmation in the form of:

Rental Statement

Appraisal

Attachment(s) - Rental Statement

Attachment(s) - Appraisal

attachment(s) - (Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

What type of building is on the premise?

Is the building new or an established structure?

Established

New Building

To Be Built

Vacant Land

What has the local council defined the zoning to be?

Residential

Commercial

Industrial

Rural

Is this property owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Is there a home loan or mortgage connected?

Yes

Property 3

Property Details

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

What is the current value of this property?

What is the primary purpose of this property?

Owner Occupied

Investment

What is or will be the rental return?

Rental Amount

Frequency

Rental confirmation in the form of:

Rental Statement

Appraisal

Attachment(s) - Rental Statement

Attachment(s) - Appraisal

attachment(s) - (Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

What type of building is on the premise?

Is the building new or an established structure?

Established

New Building

To Be Built

Vacant Land

What has the local council defined the zoning to be?

Residential

Commercial

Industrial

Rural

Is this property owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Is there a home loan or mortgage connected?

Yes

Property 4

Property Details

If the autosearch does not resolve, please manually key in address information

Address

Street Address Suburb State Postcode Country

What is the current value of this property?

What is the primary purpose of this property?

Owner Occupied

Investment

What is or will be the rental return?

Rental Amount

Frequency

Rental confirmation in the form of:

Rental Statement

Appraisal

Attachment(s) - Rental Statement

Attachment(s) - Appraisal

attachment(s) - (Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

What type of building is on the premise?

Is the building new or an established structure?

Established

New Building

To Be Built

Vacant Land

What has the local council defined the zoning to be?

Residential

Commercial

Industrial

Rural

Is this property owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Is there a home loan or mortgage connected?

Yes

Family Gifts

Is there a family gift?

If you have received a monetary gift or inheritance you may want to put this towards the deposit of your new purchase.

Is there a home loan or mortgage connected?

Yes

You will need to obtain a gift letter in the form of a statutory declaration which must include the following:

Non-refundable gift
All persons name involved
Amount as gift

attachment - Statutory Declaration - Family Gift(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Savings Accounts

How many savings accounts do you own?

Please contact us if you have more than four saving accounts.

How many savings accounts do you own?

Add all your savings accounts. For each account, please have the following documents ready for uploading:

3 months statement (less than 1 month old)

Where accounts statements are only available for part of the required period, internet transaction listings not meeting all of the above criteria can be provided for the remaining time provided the account number on any internet listing matches the account statements provided.

Saving Account 1

Bank Name

Account Name

BSB

Account No.

Saving Amount

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this anyone's income deposit account?

Yes

Who has this income deposit account?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Is this property owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Attachment(s) - 3 months statements

attachments - Overtime - 2 years summary payslips showing overtime(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Saving Account 2

Bank Name

Account Name

BSB

Account No.

Saving Amount

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this anyone's income deposit account?

Yes

Who has this income deposit account?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Is this property owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Saving Account 3

Bank Name

Account Name

BSB

Account No.

Saving Amount

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this anyone's income deposit account?

Yes

Who has this income deposit account?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Is this property owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Saving Account 4

Bank Name

Account Name

BSB

Account No.

Saving Amount

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this anyone's income deposit account?

Yes

Who has this income deposit account?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Is this property owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Term Desposits

Do you have any term deposits?

Please include details of each term deposit which are part of your existing assets.

Is there a home loan or mortgage connected?

Yes

How many term deposit accounts do you own?

Please contact us if you have more than four term deposit accounts.

How many term deposit accounts do you own?

Add all your savings accounts. For each account, please have the following documents ready for uploading:

3 months statement (less than 1 month old)

Term Deposit Account 1

Bank Name

Account Name

BSB

Account No.

Account Value

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this term deposit owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Term Deposit Account 2

Bank Name

Account Name

BSB

Account No.

Account Value

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this term deposit owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Term Deposit Account 3

Bank Name

Account Name

BSB

Account No.

Account Value

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this term deposit owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Term Deposit Account 4

Bank Name

Account Name

BSB

Account No.

Account Value

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this term deposit owned equally by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 2.

I want to provide this later

Later

Vehicles

Do you have any motor vehicles?

Please include details of each vehicle forming part of your existing assets.

Is there a home loan or mortgage connected?

Yes

How many motor vehicles do you own?

Please contact us if you have more than two vehicles.

How many motor vehicles do you own?

Vehicle 1

Vehicle Type

Motorcycle

Small

Medium

Large

4WD

Luxury

Year Bought

Year Made

Vehicle Value

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this vehicle equally owned by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Is there a car loan, hire purchase or lease?

Yes

Vehicle 2

Vehicle Type

Motorcycle

Small

Medium

Large

4WD

Luxury

Year Bought

Year Made

Vehicle Value

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Is this vehicle equally owned by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Is there a car loan, hire purchase or lease?

Yes

What is the value of your home contents?

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Are the contents equally owned by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Superannuation

How much superannuation does each person hold?

{:27:fallback[Applicant 1]}'s superannuation balanace

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

{:28:fallback[Applicant 2]}'s superannuation balanace

Value

Is there a home loan or mortgage connected?

Actual Value

Estimate

Do you own shares?

Please include total value of all shares and if they are equally owned by all applicants.

Total value of all shares

Is there a home loan or mortgage connected?

Actual Value

Estimate

Are the shares equally owned by all applicants?

Yes

{:27:fallback[Applicant 1]}'s Ownership

{:28:fallback[Applicant 2]}'s Ownership

Other Mortgages

Please have the following documents ready for uploading:

3 months statement (less than 1 month old)

Property 1 Mortgage

What is the Home Loan purpose?

Purchase

Refinance

Home Loan Account

Include details from the uploaded statements

Bank Name

Account Name

BSB

Account No.

Balance

Limit

Hidden

Calculation - Redraw / Offset

Of the available $0, what is in redraw and offset (if any)?

Redraw Funds

Offset Funds

What is the current interest rate per year?

What is the regular mortgage repayments?

Repayments

Frequency

The mortgage loan term end date?

DD slash MM slash YYYY

What is the Home Loan type?

Variable

Fixed

What is the fixed term expiry date?

DD slash MM slash YYYY

What is the Home Loan repayment type?

P&I

Interest Only

What is the interest only term expiry date?

DD slash MM slash YYYY

Are all applicants responsible for this mortgage?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

Attachment(s) - 6 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Property 2 Mortgage

What is the Home Loan purpose?

Purchase

Refinance

Home Loan Account

Include details from the uploaded statements

Bank Name

Account Name

BSB

Account No.

Balance

Limit

Hidden

Calculation - Redraw / Offset

Of the available $0, what is in redraw and offset (if any)?

Redraw Funds

Offset Funds

What is the current interest rate per year?

What is the regular mortgage repayments?

Repayments

Frequency

The mortgage loan term end date?

DD slash MM slash YYYY

What is the Home Loan type?

Variable

Fixed

What is the fixed term expiry date?

DD slash MM slash YYYY

What is the Home Loan repayment type?

P&I

Interest Only

What is the interest only term expiry date?

DD slash MM slash YYYY

Are all applicants responsible for this mortgage?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

Attachment(s) - 6 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Property 3 Mortgage

What is the Home Loan purpose?

Purchase

Refinance

Home Loan Account

Include details from the uploaded statements

Bank Name

Account Name

BSB

Account No.

Balance

Limit

Hidden

Calculation - Redraw / Offset

Of the available $0, what is in redraw and offset (if any)?

Redraw Funds

Offset Funds

What is the current interest rate per year?

What is the regular mortgage repayments?

Repayments

Frequency

The mortgage loan term end date?

DD slash MM slash YYYY

What is the Home Loan type?

Variable

Fixed

What is the fixed term expiry date?

DD slash MM slash YYYY

What is the Home Loan repayment type?

P&I

Interest Only

What is the interest only term expiry date?

DD slash MM slash YYYY

Are all applicants responsible for this mortgage?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

Attachment(s) - 6 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Property 4 Mortgage

What is the Home Loan purpose?

Purchase

Refinance

Home Loan Account

Include details from the uploaded statements

Bank Name

Account Name

BSB

Account No.

Balance

Limit

Hidden

Calculation - Redraw / Offset

Of the available $0, what is in redraw and offset (if any)?

Redraw Funds

Offset Funds

What is the current interest rate per year?

What is the regular mortgage repayments?

Repayments

Frequency

The mortgage loan term end date?

DD slash MM slash YYYY

What is the Home Loan type?

Variable

Fixed

What is the fixed term expiry date?

DD slash MM slash YYYY

What is the Home Loan repayment type?

P&I

Interest Only

What is the interest only term expiry date?

DD slash MM slash YYYY

Are all applicants responsible for this mortgage?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

Attachment(s) - 6 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Vehicle Loans

Please have the following documents ready for uploading:

3 months statement (less than 1 month old)

Vehicle 1

Vehicle Loan Account

Include details from the uploaded statements

Bank Name

Account Name

BSB

Account No.

Balance

Limit

What is the regular loan repayments?

Repayments

Frequency

The vehicle loan term end date?

DD slash MM slash YYYY

Are all applicants responsible for this loan?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Vehicle 2

Vehicle Loan Account

Include details from the uploaded statements

Bank Name

Account Name

BSB

Account No.

Balance

Limit

What is the regular loan repayments?

Repayments

Frequency

The vehicle loan term end date?

DD slash MM slash YYYY

Are all applicants responsible for this loan?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Personal Loans

Do you have any personal loans?

Please include details for each personal loan or unsecured loan.

PersonalLoan

Yes

How many personal loans do you own?

Please contact us if you have more than two personal loans.

How many personal loans do you own?

Please have the following documents ready for uploading:

3 months statement (less than 1 month old)

Personal Loan 1

Personal Loan Account

Include details from the uploaded statements

Bank Name

Account Name

BSB

Account No.

Balance

Limit

What is the regular loan repayments?

Repayments

Frequency

The personal loan term end date?

DD slash MM slash YYYY

Are all applicants responsible for this loan?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Personal Loan 2

Personal Loan Account

Include details from the uploaded statements

Bank Name

Account Name

BSB

Account No.

Balance

Limit

What is the regular loan repayments?

Repayments

Frequency

The personal loan term end date?

DD slash MM slash YYYY

Are all applicants responsible for this loan?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Credit Cards

Do you have any credit cards?

Include details for each credit card, store card, Afterpay or Zip Pay service

yes or no

Yes

How many credit cards do you own?

Please contact us if you have more than four credit cards.

How many credit cards do you own?

Please have the following documents ready for uploading:

3 months statement (less than 1 month old)

Credit Card 1

Credit Card Account

Include details from the uploaded statements

Visa

Master Card

AMEX

Bank Name

Account Name

Credit Card No.

Balance

Limit

What is the minimum repayment amount?

Repayments

Frequency

Are all applicants responsible for this credit card?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Credit Card 2

Credit Card Account

Include details from the uploaded statements

Visa

Master Card

AMEX

Bank Name

Account Name

Credit Card No.

Balance

Limit

What is the minimum repayment amount?

Repayments

Frequency

Are all applicants responsible for this credit card?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Credit Card 3

Credit Card Account

Include details from the uploaded statements

Visa

Master Card

AMEX

Bank Name

Account Name

Credit Card No.

Balance

Limit

What is the minimum repayment amount?

Repayments

Frequency

Are all applicants responsible for this credit card?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

Credit Card 4

Credit Card Account

Include details from the uploaded statements

Visa

Master Card

AMEX

Bank Name

Account Name

Credit Card No.

Balance

Limit

What is the minimum repayment amount?

Repayments

Frequency

Are all applicants responsible for this credit card?

Yes

Who is the responsible owner?

{:27:fallback[Applicant 1]}

{:28:fallback[Applicant 2]}

Attachment(s) - 3 months statements

attachment(s) - 3 months statements(Required)

Drop files here or

Max. file size: 5 MB, Max. files: 4.

I want to provide this later

Later

HELP-HECS

Do you have any HECS-HELP remaining?

Include details for each person

PersonalLoan

Yes

How many HELP-HECS do you own?

HELP-HECS 1

HELP-HECS

A separate entry is required for each person who has an outstanding debt.

This HELP-HECS applies to:

Applicant 1

Applicant 2

What is the balance outstanding?

What is the repayment amount?

Repayments

Frequency

HELP-HECS 2

HELP-HECS

A separate entry is required for each person who has an outstanding debt.

This HELP-HECS applies to:

Applicant 1

Applicant 2

What is the balance outstanding?

What is the repayment amount?

Repayments

Frequency

Your Expenses

To calculate the Monthly Living Expenses, which is the amount of money needed to maintain a reasonable standard of living, consider existing expenses that will continue to be incurred, and any new expenses that will be incurred after the loan is funded.

Housing (Your Residential)

Rental

Ongoing Rent commitments that will continue to be paid after settlement.

Amount

Frequency

Boarding

Ongoing Board commitments that will continue to be paid after settlement.

Amount

Frequency

Rates

Council and Water Rates on your principal place of residence.

Amount

Frequency

Strata, Body Corporate, Land Tax

Land tax, body corporate and strata fees on your principal place of residence.

Amount

Frequency

Home Insurance

Buildings and Contents Insurance on your principal place of residence.

Amount

Frequency

Water

Water Usage charges on your principal place of residence.

Amount

Frequency

Gas

Gas Bill on your principal place of residence.

Amount

Frequency

Electricity

Electricity Bill on your principal place of residence.

Amount

Frequency

Holiday Home

Costs associated with any secondary residences, either rented or owned for non-investment purposes.

Amount

Frequency

Investments

Rates

Council and Water Rates on your investment properties.

Amount

Frequency

Strata, Body Corporate, Land Tax

Land tax, body corporate and strata fees on your investment properties.

Amount

Frequency

Landlord Insurance

Buildings and Landlord Insurance on your investment properties.

Amount

Frequency

Medical & Health

Health Insurance

Hospital, medical and dental health insurance.

Amount

Frequency

Doctor/Specialist Appointment

Doctor, Dental and Specialist appointments that are out of pocket.

Amount

Frequency

Pharmaceutical

Ongoing medication or pharmaceutical costs.

Amount

Frequency

Education

Public Education

Education fees, books, uniforms and associated costs for public schooling (preschool, primary or secondary).

Amount

Frequency

Private Education

Tuition fees, school fees, sports fees, books, uniforms and associated costs for private schooling.

Amount

Frequency

Childcare

Childcare including nannies.

Amount

Frequency

Professional Training

Fees, accommodation, books and associated costs for higher education (tertiary) and vocational training.

Amount

Frequency

Transport

Vehicle Registration

All motor vehicle registration fees.

Amount

Frequency

Vehicle Insurance

All motor vehicle insurance fees.

Amount

Frequency

Petrol & Running Costs

Petrol and maintenance costs including regular service, repairs, parking and tolls.

Amount

Frequency

Public Transport

Public transport costs.

Amount

Frequency

Insurance

Life Insurance

Life, trauma and disability insurance cover.

Amount

Frequency

Income Protection

Income protection and illness cover.

Amount

Frequency

Other Insurance

Insurance costs such as professional cover, travel, and any other insurance not previously listed.

Amount

Frequency

Clothing & Personal Care

Clothing

Clothing and footwear.

Amount

Frequency

Accessories

Jewellery, watches and handbags.

Amount

Frequency

Personal Care

Cosmetics, grooming and personal care.

Amount

Frequency

Memberships

Gym

Gym, fitness and well-being memberships

Amount

Frequency

Sports & Club

Sports, club and other memberships.

Amount

Frequency

Communications & Media

Phone

Telephone accounts (home and mobile).

Amount

Frequency

Paid TV & Media

Pay TV and media streaming subscriptions (such as Netflix and Spotify).

Amount

Frequency

Internet

Home internet, WIFI and hotspot.

Amount

Frequency

Recreation & Entertainment

Entertainment

Recreation and entertainment costs including gaming, casino, functions and outings.

Amount

Frequency

Restaurant

Dining out, takeaway and delivery services.

Amount

Frequency

Holiday

Travel, flight, accomodation and stays.

Amount

Frequency

Groceries

Food & Groceries

Typical supermarket shop for groceries including food and toiletries.

Amount

Frequency

Compliance

{:27:fallback[Applicant 1]}

Have you ever had any defaults, judgements or legal proceedings recorded against you?

Yes

Are all of your current credit commitments up to date?

Yes

Are you a tax resident of a foreign country?

Yes

On a scale of 1-10 how concerned are you about rising interest rates (1 not concerned, 10 highly concerned)

Please enter a number from 1 to 10.

You rate your level of concern as 1

On a scale of 1-10 how would you rate your current job security (1 not secure, 10 highly secure)

Please enter a number from 1 to 10.

You rate your level of current job security as 1

Does the applicant plan or anticipate changes (other than retirement) to their future financial circumstances that could ADVERSELY impact their ability to repay the loan?

Yes

Will the applicant reach their planned retirement age during the term of the loan?

Yes

Will the applicant's age reach 70 during the term of the loan?

Yes

How would the applicant propose to repay the loan?

Repayment of loan prior to retirement

Downsizing of home

Sale of assets

Recurring home from superannuation

Superannuation lump sum following retirement

Income from other investments

Savings

Co-applicant's income

Reducing loan term

Other

{:28:fallback[Applicant 2]}

Have you ever had any defaults, judgements or legal proceedings recorded against you?

Yes

Are all of your current credit commitments up to date?

Yes

Are you a tax resident of a foreign country?

Yes

On a scale of 1-10 how concerned are you about rising interest rates (1 not concerned, 10 highly concerned)

Please enter a number from 1 to 10.

You rate your level of concern as 1

On a scale of 1-10 how would you rate your current job security (1 not secure, 10 highly secure)

Please enter a number from 1 to 10.

You rate your level of current job security as 1

Does the applicant plan or anticipate changes (other than retirement) to their future financial circumstances that could ADVERSELY impact their ability to repay the loan?

Yes

Will the applicant reach their planned retirement age during the term of the loan?

Yes

Will the applicant's age reach 70 during the term of the loan?

Yes

How would the applicant propose to repay the loan?

Repayment of loan prior to retirement

Downsizing of home

Sale of assets

Recurring home from superannuation

Superannuation lump sum following retirement

Income from other investments

Savings

Co-applicant's income

Reducing loan term

Other

Financial profile

Would you be willing to change your current lifestyle and discretionary spending, if it had an impact on the amount of money you could afford to borrow?

Yes

Would you be willing to reduce or cancel any existing liabilities such as credit cards, if it had an impact on the amount of money you could afford to borrow?

Yes

Applicant declared purpose

Risks

I have discussed that the goods being financed / refinanced may not hold their value for as long as the remaining term of the loan and so the applicant(s) may be paying for those goods beyond their useful lifespan and value. Additionally, I have discussed that the applicant(s) may not be in a position to finance the replacement of those goods if the term exceeds the lifespan of the original goods.
I have discussed with the applicant(s) that they may end up paying more interest compared to taking the loan over a shorter term more in line with the useful life of the goods.
I have discussed with the applicant the option of a separate loan with a shorter term for the part of the loan required for the purpose of the goods.

Will existing credit card limits be reduced or cancelled?

Yes

Risks

I have discussed with the applicant(s) that they may end up paying more interest, particularly if the applicant(s) incurs further credit card, personal loan or car loan debt after consolidating existing debts.

Refinance and debt consolidation

What are the reason(s) for the applicant(s) wanting to refinance the existing loan?

Reduced repayments

Low interest rate

Increase total loan amount

Greater flexibility/extra or specific loan features under new loan

Wants to reduce number of lenders/ consolidate debt

Dissatisfied with other financial institution

Close to end of loan term

Other

Risks

If refinancing or debt consolidation increases the term of the loan, this may cause the applicant(s) to pay more interest and mean the applicant(s)'s equity in the property builds up at a slower rate.

Rate type

Which product rate type is most important to the applicant(s)?

Fixed

Variable

Fixed and variable

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Fixed rate

Rate is fixed for a specified term giving certainty of interest and repayments for that term

Why is fixed rate important to the applicant(s)?

Certainty of repayments

Make budgeting easier

Other

Risks

Rate is fixed at a point in time and applicant(s) will not benefit from subsequent market interest rate reduction during fixed rate period
Rate may change between the time of approval and the time of drawdown if rate guarantee has not been obtained
Limited or no ability to make additional repayments when the interest rate is fixed
May not have the ability to redraw or utilise an offset account to reduce interest
Possibility of expensive break costs if, during the fixed interest rate period applicant(s):
- Repay loan in full
- Switch to another product or loan type
- Make additional repayments
- Sell the property
- Seek further funds

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Variable rate

Interest charged and repayments will change to reflect interest rate movements

Why is variable rate important to the applicant(s)?

To take advantage of potential future decreases in the interest rate

Flexibility with respect to repayment, redraw and/or early repayment of loan

Other

Risks

The applicant(s) that they may end up paying more interest, particularly if the applicant(s) incurs further credit card, personal loan or car loan debt after consolidating existing debts.

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Fixed and variable rate

Fixed rate portion
- Rate is fixed for a specified term giving certainty of interest and repayments for the fixed rate portion
Variable rate portion
- Interest charged and repayments will change to reflect interest rate movements for the variable rate portion

Why is fixed and variable rate important to the applicant(s)?

Limiting risk of increasing variable interest to obtain some benefit from potential future decreases in the interest rate

Retaining a degree of flexibility in relation to increased payments, redraws and/or early repayment of part of the loan

Make budgeting easier than if the entire loan were variable

Other

Risks

Applicant(s) will not obtain the full benefit of rate decreases and will still have some exposure to the risk of rate increases
Applicant(s) will generally not be able to change the ratio of the fixed and variable portions
Applicant(s) will be required to make separate repayments for each portion
Fixed rate may change between the time of approval and the time of drawdown if rate guarantee has not been obtained
Limited or no flexibility in relation to the fixed rate portion concerning making additional repayments, redraws and offset account during the fixed rate period
Possibility of expensive break costs if, during the fixed interest rate period applicant(s):
- Repay loan in full
- Switch to another product or loan type
- Make additional repayments
- Sell the property
- Seek further funds

Repayment type

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Interest only

Allows smaller repayments during the interest only period enabling:
- Higher cash on hand for other purposes
- Flexibility to manage cash flow
- Smaller initial payments on investment home loans may serve a tax purpose

Why is interest only important to the applicant(s)?

Accommodate temporary reduction in income (e.g. parental leave, changing circumstances)

Accommodate anticipated non-recurring expense item (e.g. education, renovation/construction, furniture)

Variable and unpredictable income

Recommendation provided by an independent financial advisor/accountant

Taxation or accounting reasons (no tax advice is being given), including: Release funds for investment purposes (e.g. shares, investment property, super contributions) Priority is paying off non-deductible debts (this loan is for investment purposes) Plan to convert to an investment property in future

Other

Risks

Higher interest rates may apply to interest only loans
Interest only payments will not reduce the loan principal
Not repaying loan principal will result in the applicant paying more interest over the loan term
After the end of the interest only period, principal and interest repayments will be required and these will be higher than they would have been if the loan had principal and interest repayments throughout the loan term
The amount of equity that is built-up in the property securing the loan will be less with an interest only loan

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Principal and interest

Repayments cover loan principal and interest so that the loan is paid in full by the end of the loan term
Applicant(s) could pay less interest over the life of the loan as compared with a loan which features a period of interest only repayments
Interest rates on principal and interest repayments are generally lower than interest only

Why is principal and interest important to the applicant(s)?

Minimize interest rate paid over life of loan

Higher lending limit

Lower deposit required

Build up equity from the start

Other

Interest only

Allows smaller repayments during the interest only period enabling:
Higher cash on hand for other purposes
Flexibility to manage cash flow
Smaller initial payments on investment home loans may serve a tax purpose

Product features

Offset account

Allows applicant(s) to link a savings account in their name to a loan account to reduce amount of interest payable under loan
Will only be of benefit where the applicant expects to have sufficient funds in the offset account so that the interest savings on the loan will exceed additional costs related to the offset account

Why is having an offset account important to the applicant(s)?

Allow paying off loan sooner

Allow acesses to funds

For tax purposes(no tax advice is being given)

Other

Risks

Feature may not be available when the loan is on a fixed rate
Fees may apply
Explain any different risks applicable to specific lender products, including a higher interest rate on the loan

Redraw feature

Allows applicant(s) to access extra repayments that they made additional to their required minimum repayments

Why is having a redraw account important to the applicant(s)?

Flexibility to access prepaid funds if needed

Other

Risks

Lender may charge fees for each redraw
Each redraw may be subject to the lender's discretion

Do the applicant(s) have any other requirements and objectives not already stated which may affect whether the loan is suitable, including whether there are any particular personal circumstances of the applicant(s) not documented in any previous responses in this interview guide that are relevant to the loan features that have been identified as 'Important'?

Yes

Are there any conflicts between any of the loan features selected in the application?

Yes

This field is for validation purposes and should be left unchanged.