ANSWER THE FOLLOWING QUESTIONS ABOUT YOUR INCOME AND DEBTS
ENSURE THAT DATA IS INPUT INTO THE CORRECT APPLICANT FIELDWHEN THERE IS MORE THAN ONE APPLICANT SELECTED.
PLEASE CHECK YOUR APPLICANT # ABOVE EACH FIELD THAT THEN APPEARS.
* indicates a required field
Base Salary / Wages: (excludes any Overtime, Bonuses, Allowances, Commission received) * all fields are required
plus Overtime: (must be a permanent and ongoing part of your income)
plus Bonuses: (Must be a permanent part of income and be consistent for at least two financial years)
plus Allowances: (eg. motor vehicle, living away from home; shift allowance or penalty rates)
plus Commissions: (Commission must be a permanent part of income and be consistent for at least 1 year)
APPLICANT 1 is Self-Employed
N.B. Input negative figures (Losses) with a preceding minus sign.
Plus Allowable Add-Backs
APPLICANT 2 is Self-Employed
APPLICANT 3 is Self-Employed
Annual Gross Contracting Income: (You are employed by an employer, generally over a contracted term) * all fields are required
Annual Gross Rental Income: (from all Investment Properties) * all fields are required
Annual Taxable Gross Investment Income & Pensions: (any income generated by financial assets you own e.g. dividends from shares and distribution from managed funds, superannuation and annuities, etc.) * all fields are required
Annual Tax-Free Income: (Family Tax Benefits, Aged Pensions, Veteran Affairs Pensions, Disability Pensions & Widows Pensions only) * all fields are required
Annual Child Support / Maintenance: (you must be entitled to receive the benefit for the next 3 years. Children must be under 14 years of age) * all fields are required
N.B. If joint Loans are held with other Applicants, only include the amount owing under one Applicant #.
OWNER-OCCUPIED HOME LOAN/S (If you have more than 1 loan, please total the amount owing)
INVESTMENT LOAN/S (If you have more than 1 loan, please total the amount owing)
LINES OF CREDIT
OVERDRAFTS
(If you have more than 1 loan, please total the amount owing)
N.B. If an Applicant is an Additional Cardholder, and therefore does not receive Credit Card Statements in their name, DO NOT input the amounts under your Applicant #.
CREDIT CARDS (If you have more than 1 Credit Card, please total the Limits)
STORE CARDS (If you have more than 1 Store Card, please total the Limits)
Category 1 - ACCOUNTS WITH CREDIT LIMITS ATTACHED (If you use more than 1 provider, please total the Limits and amounts owing)(e.g. Zip Money, Zip Pay)
Category 2 - ACCOUNTS WITH NO CREDIT LIMITS ATTACHED (If you use more than 1 provider, please total the amounts owing)(e.g. Afterpay, Openpay, Kiarna, LatitudePay)
DEBT TO INCOME (DTI) CALCULATION RESULTS
DEBT TO INCOME RATIO (DTI):(Total Debt / Total Gross Income)
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