• YOUR REQUIREMENTS (Needs Analysis)

    Property Loans

  • Credit history

  • Applicant 1

  • Have you ever had any defaults, judgements or legal proceedings recorded against you?*
  • Are all of your current credit commitments up to date?*
  • Are you a tax resident of a foreign country?*

  • Applicant 2

  • Have you ever had any defaults, judgements or legal proceedings recorded against you?*
  • Are all of your current credit commitments up to date?*
  • Are you a tax resident of a foreign country?*

  • Risk profile

  • Applicant 1

  • Applicant 2

  • Lender selection

  • Do you have a preference for the type of lender that you would like to deal with?*
  • Are there any product types that you are interested in?*

  • Loan and lender features

  • Fixed rate?*
  • Rate lock? Note that a fee may be payable*
  • Variable rate?*
  • Split loan (mix of variable and fixed rates)?*
  • Principal and interest?*
  • Interest only?*
  • Interest in advance?*
  • Line of credit?*
  • Offset account?*
  • Redraw?*
  • Access to lender branch network?*

  • Anticipated changes to circumstances

  • Do you plan or anticipate changes (other than retirement) to your future financial circumstances that could ADVERSELY impact your ability to repay the loan?*
  • Which applicant do the changes apply to*

  • Please select the nature of the changes and provided further information as requested:

  • Extended unpaid leave (e.g. parental/maternity leave)?*
  • Reduced income?*
  • End of contract/loss of employment?*
  • Leaving employment?*
  • Increased repayments for an existing loan?*
  • Large expenditure?*
  • Medical treatment/illness?*
  • Other?*
  • How do you intend to meet the loan repayment during this period of change?*
  • How do you intend to meet the loan repayment during this period of change?*

  • Retirement plans

  • If your loan term will take you past retirement age, it is important that you have a retirement plan in place to either continue to make loan repayments or to have the loan paid out before you retire. Please select all that apply from the following options:*

  • If your loan term will take you past retirement age, it is important that you have a retirement plan in place to either continue to make loan repayments or to have the loan paid out before you retire. Please select all that apply from the following options:*

  • Insurance and asset protection

  • Do you have adequate life insurance?*
  • Do you have adequate debt protection insurance?*
  • Do you have adequate income protection insurance?*
  • Do you have adequate house and contents insurance?*
  • Would you like us to arrange a meeting for you to discuss your insurance options?*
  • Would you be interested to know how much faster you can pay off your loan based on the financial information you have given us?*

  • ADDITIONAL QUESTIONS

    Property Loans

  • Applicant 1 Next of kin details (in Australia and not living at the same address as you)

  • Next of kin address

  • Applicant 1 Employer address details

  • Current employer address

  • Employer address (Previous position 1)

  • Employer address (Previous position 2)

  • Employer address (Previous position 3)

  • Applicant 2 Next of kin details (in Australia and not living at the same address as you)

  • Same next of kin as Applicant 1?*

  • Applicant 2 Employer address details

  • Current employer address

  • Employer address (Previous position 1)

  • Employer address (Previous position 2)

  • Employer address (Previous position 3)

  • LIVING EXPENSES

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