Full-Application – JZ - With Cashback

Step 1 of 28

YOUR HOME LOAN APPLICATION

LET'S GET STARTED!

What would you like to do?(Required)

I'm buying

I'm refinancing

How much do you want to borrow?(Required)

Please enter a number greater than or equal to 100000.

How much do you want to borrow?(Required)

Please enter a number greater than or equal to 0.

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Refinance and Debt Consolidation

Refinance Benefits

✅ Reduced repayments
✅ Low interest rate
✅ Greater flexibility or new loan features

Refinance Risks

⚠️ If refinancing increases the loan term, it may lead to more interest paid and slower equity growth.

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How much is outstanding?(Required)

Please enter a number greater than or equal to 0.

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Calc - Equity Drawdown

0 drawdown

There is a difference between your current loan and the proposed amount.

What will the funds be for?

Describe what you want to do with your surplus funds.

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What will the funds be for?(Required)

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When do you plan to buy?(Required)

3 months +

1 - 3 months

Signed contract

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What's the contract purchase date?(Required)

DD slash MM slash YYYY

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How much deposit have you paid?(Required)

Please enter a number greater than or equal to 0.

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What's the contract finance date?(Required)

DD slash MM slash YYYY

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What's the contract settlement date?(Required)

DD slash MM slash YYYY

Purpose Property

What is the purpose of this loan?(Required)

Owner Occupied

Investment

What interest rate would you like?(Required)

Variable

Fixed

What repayment would you prefer?(Required)

Principal and Interest

Interest Only

Do you want to have an offset account?(Required)

Yes

What's the property value?(Required)

Please enter a number greater than or equal to 0.

Property Address(Required)

Street Address Suburb Postcode

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Address

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Proposed Property Rental

I have rental statements(Required)

Upload Now

Provide Later

attachment(s) - {:713:}(Required)

Drop files here or

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

What is the rental return?

Rental Amount(Required)

Frequency(Required)

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Rental confirmation in the form of:(Required)

Rental Statement

Appraisal

Attachment(s) - Rental Statement

Attachment(s) - Appraisal

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Section Break

Fixed Rate Benefits

✅ Certainty of repayments
✅ Make budgeting easier

Fixed Rate 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

How long would you like to fix for?(Required)

Variable Rate Benefits

✅ Take advantage of potential future decreases in the interest rate
✅ Flexibility with respect to repayment, redraw and/or early repayment of loan

Variable Rate Risks

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

Which bank or lender would you prefer?(Required)

What's the respective interest rate?

Interest Only Benefits

✅ Accommodate temporary reduction in income (e.g. parental leave, changing circumstances)
✅ Accommodate anticipated non-recurring expense item (e.g. education, renovation/construction, furniture)
✅ Good for variable and unpredictable income
✅ Smaller initial payments on investment home loans may serve a tax purpose

Interest Only 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

Principal and Interest Benefits

✅ Minimize interest rate paid over life of loan
✅ Higher lending limit
✅ Lower deposit required
✅ Build up equity from the start

Principal and Interest 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

Which repayment schedule do you want?(Required)

Monthly

Fortnightly

Weekly

Interest only is on monthly repayments:(Required)

Monthly

How long would you require as interest only?(Required)

What loan term would you like?(Required)

Please enter a number from 5 to 30.

30 years

Offset Account Benefits

✅ Allows applicant(s) to link a savings account in their name to a loan account to reduce amount of interest payable under loan
✅ Allow paying off loan sooner
✅ Allow access to funds

Offset Account Risks

⚠️ Feature may not be available when the loan is on a fixed rate
⚠️ Fees may apply

Offset Account Notice

✅ 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

Refinanced Property

Home Loan Account

Include details from the uploaded statements

Bank(Required)

Account Name(Required)

BSB(Required)

Account No.(Required)

Balance(Required)

Limit(Required)

What is the current interest rate per year?

The mortgage loan term end date?(Required)

DD slash MM slash YYYY

What is the Home Loan type?(Required)

Variable

Fixed

What is the fixed term expiry date?(Required)

DD slash MM slash YYYY

What is the Home Loan repayment type?(Required)

P&I

Interest Only

What is the interest only term expiry date?(Required)

DD slash MM slash YYYY

What is the regular mortgage repayments?

Attachment(s) - 6 months statements

I have 6 months statements

Upload Now

Provide Later

attachment(s) - 3 months statements(Required)

Drop files here or

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

Repayments(Required)

Frequency(Required)

How many applicants will be on this loan?(Required)

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)

Email Address(Required)

Applicant 2

Applicant 2'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)

Email Address(Required)

Applicant 1's Marital Details

Marital status(Required)

Are you in relationship with Applicant 2?(Required)

Yes

Do you have any dependents?(Required)

Yes

Applicant 1's Dependents

First Name	Surname	Date of Birth	Gender	Actions

There are no dependents.

Maximum number of dependents reached.

Applicant 1's Address Details

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

Yes

What is your country of citizenship?(Required)

Country

What is your country of residence?(Required)

Country

What is your living situation?(Required)

What is your rent/boarding expense?

Amount(Required)

Please enter a number greater than or equal to 0.

Frequency(Required)

Your residential address(Required)

Street Address Suburb Postcode

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Address

In this address since:(Required)

DD slash MM slash YYYY

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Date

DD slash MM slash YYYY

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Calc - Number of days - Current address

Your previous residential address

Street Address Suburb Postcode

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Address

What was your living situation?

Was in this address since:

DD slash MM slash YYYY

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Calc - Number of days - Previous1 address

Your next previous residential address(Required)

Street Address Suburb Postcode

What was your living situation?

This field is hidden when viewing the form

Address

Was in this address since:

DD slash MM slash YYYY

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Calc - Number of days - Previous2 address

The mailing address(Required)

Is the mailing address the same with your registered address?

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

Your post settlement address:(Required)

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

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

Applicant 2's Marital Details

Marital status(Required)

Do you have any other dependents not mentioned by {:37:fallback[Applicant 1]}?(Required)

Yes

Do you have any dependents?(Required)

Yes

Applicant 2's Dependents

First Name	Surname	Date of Birth	Gender	Actions

There are no dependents.

Maximum number of dependents reached.

Applicant 2's Address Details

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

Yes

What is your country of citizenship?(Required)

Country

What is your country of residence?(Required)

Country

What is your living situation?(Required)

What is your rent/boarding expense?

Amount(Required)

Please enter a number greater than or equal to 0.

Frequency(Required)

Your residential address(Required)

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

In this address since:(Required)

DD slash MM slash YYYY

This field is hidden when viewing the form

Calc - Number of days - Current address

Your previous residential address(Required)

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

What was your living situation?(Required)

Was in this address since:(Required)

DD slash MM slash YYYY

This field is hidden when viewing the form

Calc - Number of days - Previous1 address

Your next previous residential address(Required)

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

What was your living situation?(Required)

Was in this address since:(Required)

DD slash MM slash YYYY

This field is hidden when viewing the form

Calc - Number of days - Previous2 address

Section Break

The mailing address:(Required)

Is the mailing address the same with your registered address?

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

Your post settlement address:(Required)

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

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

Applicant 1's ID

Do you have a driver licence?(Required)

Yes

Do you have a current passport?(Required)

Yes

Applicant 1's Driver Licence

Attachment - Driver Licence

I have a driver licence

Upload Now

Provide Later

attachment - Driver Licence(Required)

Drop files here or

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

Australian driver licence number(Required)

Licence Expiry(Required)

DD slash MM slash YYYY

Applicant 1's Passport

Attachment - Passport

I have a passport

Upload Now

Provide Later

attachment - Passport(Required)

Drop files here or

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

Is your passport issued in Australia?(Required)

Yes

Which country issued your passport?(Required)

Country

Passport Number(Required)

Passport Date Issued(Required)

DD slash MM slash YYYY

Passport Expiry(Required)

DD slash MM slash YYYY

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

I have VEVO

Upload Now

Provide Later

attachment - VEVO(Required)

Drop files here or

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

Applicant 1's Other Documents

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

Which document do you have?(Required)

Citizenship certificate

Birth certificate

Attachment - Citizenship Certificate

Attachment - Birth Certificate

I have Citizenship Certificate / Birth Certificate

Upload Now

Provide Later

attachment - Birth / Citizenship Certificate(Required)

Drop files here or

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

Document Number(Required)

Date Issued(Required)

DD slash MM slash YYYY

Attachment - Medicare Card

I have Medicare Card

Upload Now

Provide Later

attachment - Medicare Card(Required)

Drop files here or

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

Medicare Card Number(Required)

Medicare Expiry(Required)

DD slash MM slash YYYY

Applicant 2's ID

Do you have a driver licence?(Required)

Yes

Do you have a current passport?(Required)

Yes

Applicant 2's Driver Licence

Attachment - Driver Licence

I have a driver licence

Upload Now

Provide Later

attachment - Driver Licence(Required)

Drop files here or

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

Australian driver licence number(Required)

Licence Expiry(Required)

DD slash MM slash YYYY

Applicant 2's Passport

Attachment - Passport

I have a passport

Upload Now

Provide Later

attachment - Passport(Required)

Drop files here or

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

Is your passport issued in Australia?(Required)

Yes

Which country issued your passport?(Required)

Country

Passport Number(Required)

Passport Date Issued(Required)

DD slash MM slash YYYY

Passport Expiry(Required)

DD slash MM slash YYYY

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

I have VEVO

Upload Now

Provide Later

attachment - VEVO(Required)

Drop files here or

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

Applicant 2's Other Documents

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

Which document do you have?(Required)

Citizenship certificate

Birth certificate

Attachment - Citizenship Certificate

Attachment - Birth Certificate

I have Citizenship Certificate / Birth Certificate

Upload Now

Provide Later

attachment - Birth / Citizenship Certificate(Required)

Drop files here or

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

Document Number(Required)

Date Issued(Required)

DD slash MM slash YYYY

Attachment - Medicare Card

I have Medicare Card

Upload Now

Provide Later

attachment - Medicare Card(Required)

Drop files here or

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

Medicare Card Number(Required)

Medicare Expiry(Required)

DD slash MM slash YYYY

's Income

What is 's main source of income?(Required)

PAYG

Self-employed

Not working

PAYG

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
Scholarship income
Contractor

Employment status(Required)

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

This field is hidden when viewing the form

PayG Calculation

Job Title(Required)

Job Occupation(Required)

Are you on probation?(Required)

Yes

Salary details

Gross Base Salary(Required)

Frequency(Required)

Do you receive Bonus / Commission / Overtime?

Yes

Bonus / Commission / Overtime Details

Bonus Amount(Required)

Frequency(Required)

Commission Amount(Required)

Frequency(Required)

Commission Amount(Required)

Overtime Amount(Required)

Frequency(Required)

Are there deductions outside of tax on your payslips?(Required)

Yes

Total Deductions(Required)

Frequency(Required)

Employment details

This field is hidden when viewing the form

Company ABN(Required)

This field is hidden when viewing the form

HR Phone No.(Required)

This field is hidden when viewing the form

Employer address:(Required)

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

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 - 1 years summary payslips showing overtime

This field is hidden when viewing the form

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

Drop files here or

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

This field is hidden when viewing the form

I want to provide this later

Later

Self-employed

Please have the following documents ready for uploading:

Work Structure(Required)

Sole Trader

Partnership

Company

Trust

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

This field is hidden when viewing the form

Self-employ Calculation

Job Title(Required)

Job Occupation(Required)

Your Business's Details

Nature of Business(Required)

Business ABN(Required)

Business address:(Required)

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

Your Accountant's Details

This is the Accountant who is assisting with your tax returns

Accounting Firm Name(Required)

Main Consultant Name(Required)

Phone Number(Required)

Email(Required)

Your share of the business(Required)

Business net taxable income

Recent Financial Year(Required)

Previous Financial Year(Required)

Director's salary

Recent Financial Year(Required)

Previous Financial Year(Required)

Company net taxable income

Recent Financial Year(Required)

Previous Financial Year(Required)

Are there outstanding business loans?(Required)

Yes

Total Loan(Required)

Interest Rate(Required)

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

Not working

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(Required)

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

Do you have a previous job?(Required)

Yes

's Previous Job

What is 's previous source of income?(Required)

PAYG

Self-employed

Employment status(Required)

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

Employment details

Company Name(Required)

Work Structure(Required)

Sole Trader

Partnership

Company

Trust

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

Your Business's Details

Business Name(Required)

Nature of Business(Required)

's Income

What is 's main source of income?(Required)

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(Required)

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

This field is hidden when viewing the form

PayG Calculation

Job Title(Required)

Job Occupation(Required)

Are you on probation?(Required)

Yes

Salary details

Gross Base Salary(Required)

Frequency(Required)

Do you receive Bonus / Commission / Overtime?

Yes

Bonus / Commission / Overtime Details

Bonus Amount(Required)

Frequency(Required)

Commission Amount(Required)

Frequency(Required)

Overtime Amount(Required)

Frequency(Required)

Are there deductions outside of tax on your payslips?(Required)

Yes

Total deductions(Required)

Frequency(Required)

Employment details

This field is hidden when viewing the form

Company ABN(Required)

This field is hidden when viewing the form

HR Phone No.(Required)

This field is hidden when viewing the form

Employer address:(Required)

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

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

This field is hidden when viewing the form

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(Required)

Sole Trader

Partnership

Company

Trust

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

This field is hidden when viewing the form

Self-employ Calculation

Job Title(Required)

Job Occupation(Required)

Your Business's Details

Nature of Business(Required)

Business ABN(Required)

Business address:(Required)

Street Address Suburb Postcode

This field is hidden when viewing the form

Street

Your Accountant's Details

This is the Accountant who is assisting with your tax returns

Accounting Firm Name(Required)

Main Consultant Name(Required)

Phone Number(Required)

Email(Required)

Your share of the business(Required)

Business net taxable income

Recent Financial Year(Required)

Previous Financial Year(Required)

Director's salary

Recent Financial Year(Required)

Previous Financial Year(Required)

Company net taxable income

Recent Financial Year(Required)

Previous Financial Year(Required)

Are there outstanding business loans?(Required)

Yes

Total Loan(Required)

Interest Rate(Required)

Attachments - Individual - 2 years tax returns

attachments - Individual - 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 - 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:

Reason(Required)

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

Section Break

Do you have a previous job?(Required)

Yes

's Previous Job

What is 's previous source of income?(Required)

PAYG

Self-employed

Employment status(Required)

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

Employment details

Company Name(Required)

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(Required)

Sole Trader

Partnership

Company

Trust

Start Date(Required)

DD slash MM slash YYYY

End Date(Required)

DD slash MM slash YYYY

Your Business's Details

Nature of Business(Required)

Business Name(Required)

Other Properties and Finance

Do you own other properties?(Required)

Yes

Property Details

Address	Property Value	Rental Amount	Balance	Interest Rate	Actions

There are no Properties.

Maximum number of properties reached.

Family Gifts

Is there a family gift?(Required)

Yes

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

I own other properties as a family gift

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attachment - Statutory Declaration - Family Gift(Required)

Drop files here or

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

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

Savings

Bank	BSB	Account No.	Balance	Actions

There are no Saving accounts.

Maximum number of saving accounts reached.

Vehicles

Do you have any motor vehicles?(Required)

Yes

Vehicles Details

Year Build	Year Make and Model	Repayments	Actions

There are no Vehicles.

Maximum number of vehicles reached.

What is the value of your home contents?(Required)

Superannuation

Applicant 1's superannuation balanace(Required)

Applicant 2's superannuation balanace(Required)

Total value of all shares(Required)

Personal Loan

Do you have any personal loans?(Required)

Yes

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.

Personal Loan

Row ID	Balance	Repayments	Actions

There are no personal loans.

Maximum number of personal loans reached.

Credit Cards

Do you have any credit cards?(Required)

Yes

Please have the following documents ready for uploading:

3 months statement (less than 1 month old)

Credit Cards

Credit Card No.	Balance	Repayments	Actions

There are no Credit Cards.

Maximum number of credit cards reached.

HELP-HECS

Do you have any HELP-HECS(Required)

Yes

How many HELP-HECS do you own?(Required)

HELP-HECS 1

This HELP-HECS applies to:(Required)

Applicant 1

Applicant 2

What is the balance outstanding?(Required)

Repayment Amount

Repayments(Required)

Frequency(Required)

HELP-HECS 2

This HELP-HECS applies to:(Required)

Applicant 1

Applicant 2

What is the balance outstanding?(Required)

Repayment Amount

Repayments(Required)

Frequency(Required)

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.

House Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Investment House Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Medical & Health Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Education Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Child Support Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Insurances Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Transport Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Clothing & Personal Care Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Memberships Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Communications & Media Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Recreation & Entertainment Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Groceries Expenses

Status	Actions

There are no Entries.

Maximum number of entries reached.

Access details for valuation

Contact Name for Access(Required)

Contact Number(Required)

Solicitor / Conveyancer details

Name of Company(Required)

Name of Contact(Required)

Contact Number(Required)

Email(Required)

Solicitor / Conveyancer Address(Required)

Street Address Suburb Postcode

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Street

Security questions

Security Questions

Status	Actions

There are no Entries.

Maximum number of entries reached.

Compliance

Applicant 1's compliance

Status	Actions

There are no Answer.

Maximum number of answer reached.

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Applicant 2

Applicant 2's compliance

Status	Actions

There are no Answer.

Maximum number of answer reached.

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Bank’s Cash Offers

Owner Occupied

SMSF

Investment

Construction

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