Logo
Fact Find & Needs Analysis
Personal Details
Applicant 1
Applicant 2
Applying as
Option Apply
Option Apply
Title

Title
Title

First Name

Middle Name(s)

Family Name

Preferred Name (if different to above)
Date of Birth

Marital Status
Marital Status
Marital Status
Dependents (number & age of each)

Drivers License

Mother’s Maiden Name
Residency
Permanent Australian Resident
Permanent Australian Resident
Status
Status
Home Phone Number
Mobile Number
Email Address
Current Residential Details
Status
Status
Previous Address (if within last 2 yrs)
Status
Status
Other Notes
Employment Details
Applicant 1
Applicant 2
CURRENT-Primary
Types & Status
Type and Status
Type and Status
Occupation
Employer Name
Date Commenced
Probation Period
Probation
Probation
CURRENT-Secondary/Other
Types & Status
Radio Buttons
Radio Buttons
Occupation
Employer Name
Probation Period
Probation period
Probation period
PREVIOUS - if within last two years
Types & Status
Radio Buttons
Radio Buttons
Occupation
Employer Name
Period Employed (dd/mm/yy)
FINANCIAL POSITION - Monthly Income Expenses
Net Income
Current ($)
Expenses
Current ($)
Primary Employment
Credit Commitments
Applicant 1:
Existing mortgage - Primary residence
Applicant 2:
Secondary Employment
Existing mortgage(s) - Investment - total repayments
Applicant 1:
Applicant 2:
Total Buy Now Pay Later – Afterpay etc
Government Benefits (Centrelink/DVA)
Credit Card(s) at 3% of limit
Investment - Property

Store Card(s) & ‘buy now pay later’ plans

Existing - total rent received

Personal Loan(s)
Proposed - total rent to be received
Vehicle Finance
Investments - Other
(e.g. cash, shares, managed funds)
Other e.g. ATO repayment plans, family loans
Overseas Sources - convert to AUD
Living Expenses
Other Sources
Childcare including nannies
Child maintenance
Clothing and personal care
Education - public and/or private school fees, uniforms & activities
HECS / HELP
Groceries - supermarket, meat, fruit & vegetables
Insurances - health, home, contents, life, income protection, pet & voluntary super
Investment property utilities, maintenance & other related costs
Medical and Health Costs - doctor, dental, optical, and pharmaceutical
Other unique items
Owner occupied property maintenance, utilities, rates, and related costs
Recreation and Entertainment - dining out, movies, gifts, memberships, pet care
Transport - public, car expenses (petrol, registration, insurance, servicing & tolls)
Rent or Board
TOTAL NET INCOME (A)
TOTAL EXPENSES(B)
NET MONTHLY SURPLUS (A – B)

SELF EMPLOYED APPLICANTS (if applicable)

BUSINESS DETAILS & FINANCIAL POSITION
Name of entity
Type of entity
ABN/ACN
Registered trading name
Trustees (if applicable)
Beneficiaries (if applicable)
Latest Financial Year ($)
Previous Financial Year ($)
Years in Operation
Financial Complete
Last Tax Year Lodged
TOTAL NET INCOME

FINANCIAL POSITION - Assets & Liabilities

CURRENT STATUS
Description
Estimated Value ($)
Monthly Income ($)
Ownership
Primary Residence
Ownership Choices
Other Home
Ownership Choices
Investment Property 2
Ownership Choices
Investment Property 3
Ownership Choices
Vehicle 1
Ownership Choices
Vehicle 2
Ownership Choices
Boat/Caravan/Leisure
Ownership Choices
Bank Account 1
Ownership Choices
Bank Account 2
Checkboxes
Bank Account 3
Ownership Choices
Term Deposits
Ownership Choices
Investments/Shares/ Managed Funds
Ownership Choices
Superannuation
Ownership Choices
Contents & Valuables
Ownership Choices
Other (specify)
Ownership Choices
TOTAL ASSETS
CURRENT LIABILITIES
Lender / Loan Type
Balance ($)
Limit ($)
Repayments Monthly ($)
Interest Rate (%pa)
Mortgage - Primary residence
Mortgage - Other home
Mortgage - Investment property 1
Mortgage - Investment property 2
Mortgage - Investment property 3
Credit card 1
Credit card 2
Store cards
‘Buy now pay later ‘Plans
Personal loan 1
Personal loan 2
Vehicle finance 1
Vehicle finance 2
HECS / HELP
ATO repayment plan
Family loans
Other (specify)
TOTAL LIABILITIES
CURRENT LIABILITIES
Remaining Term (yrs)
To be cleared
Mortgage - Primary residence
To be cleared choices
Mortgage - Other home
To be cleared choices
Mortgage - Investment property 1
To be cleared choices
Mortgage - Investment property 2
To be cleared choices
Mortgage - Investment property 3
To be cleared choices
Margin loan
To be cleared choices
Credit card 1
To be cleared choices
Credit card 2
To be cleared choices
Store cards
To be cleared choices
‘Buy now pay later ‘Plans
To be cleared choices
Personal loan 1
To be cleared choices
Personal loan 2
To be cleared choices
Vehicle finance 1
To be cleared choices
Vehicle finance 2
To be cleared choices
HECS / HELP
To be cleared choices
ATO repayment plan
To be cleared choices
Family loans
To be cleared choices
Other (specify)
To be cleared choices

INSURANCE

Do you have adequate home and contents insurance?

Choices
  • In the event of a serious illness/accident that stops you from working for a prolonged period of time, how will you pay your mortgage (or rent if you were to sell the property), cover other liabilities and ongoing expenses?
  • In the eventof a terminal illness or accident resulting in death, how would your family maintain the lifestyle they are accustomed to now (for example pay the mortgage, pay for school fees, day to day living expenses)?
  • What stress would be placed on your family and/or personal relationships in the event you were struggling financially after a serious illness or accident?
Would you like to arrange a meeting to discuss options for your current and future insurance needs?
Answer

FINANCE NEEDS & OBJECTIVES

LOAN REQUIREMENTS & PURPOSE
What is the loan amount you wish to apply for?
What is the intended occupancy of the property?
Choices

What is the purpose (or multiple purposes) for obtaining finance?

Choices
What is the loan term you wish to apply for?

How long do you expect to remain in this property?

CREDIT HISTORY
Applicant 1:
Have you ever had any financial judgments or legal proceedings recorded against you?
had any financial judgments or legal proceedings
If ‘yes’ please provide specific details:

Are all of your current credit ‘finance’ commitments up to date?

Are all of your current credit ‘finance’
If ‘no’ please provide details on how you plan to bring your financial position and/or loan repayments in order/up to date:
Applicant 2:
Have you ever had any financial judgments or legal proceedings recorded against you?
had any financial judgments or legal proceedings
If ‘yes’ please provide specific details:
Are all of your current credit ‘finance’ commitments up to date?
Are all of your current credit ‘finance’
If ‘no’ please provide details on how you plan to bring your financial position and/or loan repayments in order/up to date:
RISK PROFILE
Applicant 1:
Are you concerned about rising interest rates?   (On a scale of 1-10: 1 is not concerned / 10 is highly concerned)
Would you consider taking a fixed rate (either all fixed, or a split loan with part fixed and part variable)?
Choices

How would you rate your current job security?  (On a scale of 1-10: 1 is not secure / 10 is highly secure)

Applicant 2:
Are you concerned about rising interest rates?   (On a scale of 1-10: 1 is not concerned / 10 is highly concerned)
Would you consider taking a fixed rate (either all fixed, or a split loan with part fixed and part variable)?
Choices

How would you rate your current job security?  (On a scale of 1-10: 1 is not secure / 10 is highly secure)

LENDER PREFERENCE

Do you have a preference for the type of lender that you would like to deal with?

Checkboxes
Are there particular lenders you would prefer to use?
Are there particular lenders you would prefer NOT to use?

Is access to a branch network important to you?

Choices
LOAN FEATURES AND PREFERENCES
Understanding your requirements
This section asks you to confirm which loan features you are interested in.
Please choose from one of the answers to confirm your preference:

 

Fixed rate

Choices

Variable loan

Choices

Split loan - part fixed and part variable

Choices
Rate lock (note: a fee may be payable to the lender to lock in a fixed rate)
Choices
Offset account
Choices

Redraw

Choices

Line of credit

Choices

Principal and interest repayments

Choices

Interest only repayments

Choices
Interest in advance repayments
Choices
Are there any other loan features which are important to you?
PRIORITY PREFERENCES
Understanding your priorities
So I can provide you with a choice of lenders and loan options which meet your requirements and preferences.

 

Please choose from one of the answers to confirm your priorities:
My / our top priority is: (select one)
Choices

My / our second priority is: (select one)

Choices

My / our third priority is: (select one)

Choices
ANTICIPATED CHANGES TO CURRENT CIRCUMSTANCES
Applicant 1:
Do you plan or anticipate changes (other than retirement) to your future financial circumstances that could ADVERSELY impact your ability to repay the loan?
Do you plan or anticipate changes
If you answered yes, what are the changes to your circumstances which you anticipate?
If you answered yes, how do you intend to make the loan repayments during this period of change?
At what age are you planning to retire?
If you have selected a term i.e. 25 years but you expect to retire in 15 years, please specify how you will continue to make loan repayments or have paid out the loan before you retire (what is your retirement plan)?

Applicant 2:

Do you plan or anticipate changes (other than retirement) to your future financial circumstances that could ADVERSELY impact your ability to repay the loan?
Do you plan to anticipate changes
If you answered yes, what are the changes to your circumstances which you anticipate?
If you answered yes, how do you intend to make the loan repayments during this period of change?
At what age are you planning to retire?
If you have selected a term i.e. 25 years but you expect to retire in 15 years, please specify how you will continue to make loan repayments or have paid out the loan before you retire (what is your retirement plan)?
CUSTOMER IDENTIFIED LIVING EXPENSES
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?
Choices
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?

CLIENT DECLARATION

By signing below, I/we agree and acknowledge that:

  • I/we have received and carefully read the Credit Guide provided;
  • the information provided by me/us in this document is accurate and complete and is the basis on which credit assistance will be provided to me/us
  • if I/we have not provided full and/or accurate information, my broker will not be able to fully analyse my/our current financial situation, requirements and/or needs;
  • In providing credit assistance, my broker has not provided any financial, taxation or legal advice or made any enquiries about the appropriateness of any such advice that I/we may have received.
Name
Signature
Date

PRIVACY DISCLOSURE STATEMENT & CONSENT

In handling your personal information, DMEE HOLDINGS Pty Ltd, ABN 52 602 867 247 and its individual representatives are authorised credit representatives of InReach Finance Pty Ltd ACN 603 320 985 (Australian Credit Licence 469 248) Unit 22, 257 Balcatta Road Balcatta Western Australia 6021 Phone: (08) 6241 4895 is committed to complying with the Privacy Act 1988 and the Australian Privacy Principles.

How and why we collect your personal information - We collect personal information from you when you apply for or use our products and services, in particular the products and services you require. ‘Personal information’ may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have.

Providing Your Personal Information to Other Organisations - In providing products and services to you it may be necessary for us to retain your personal information and provide it to other organisations with which we conduct business. We may exchange the information with the following types of entities, some of which may be located overseas:

  • Organisations which provide finance or other products to you or to whom an application has been made
  • Finance consultants, accountants and auditors, conveyancers, legal advisers, insurers and mailing services
  • Any associates, related entities, contractors and our mortgage aggregator (Connective)
  • Any industry body, tribunal, court or otherwise in connection with any complaint regarding our services
  • Any person where we are required by law to do so
  • Your referees, such as your employer, to verify information you have provided
  • Any person considering acquiring an interest in our business or assets
  • Any organisation providing online verification of your identity.

 

Your rights - You may gain access to the personal information that we hold about you by contacting us. You can also contact us to obtain a copy of our privacy policy. The policy contains information about how you can access or seek correction of the information we hold about you, how we manage that information and our complaints process.

If your personal information is not provided - If you do not provide us with all of the information we request we may be unable to supply to you the product or service that you require.

Consent to provide your personal information to a credit reporting body (CRB) - we can act as your agent to obtain a report or information about your consumer or commercial credit worthiness from a (CRB), we may disclose personal information such as your name, date of birth and address to the CRB to obtain an assessment of whether that personal information matches information held by it.

Checkboxes
of Permenant InReach Finance Pty Ltd to obtain a credit report on my/our behalf.

Applicant 1

Applicant 2