Fact Find Form

Personal Details Borrower 1 Personal Details Borrower 2

Full Name: Full Name:

Address: Address:
Previous Address: Previous Address:
(within last two years if applicable) (within last two years if applicable)

Date of Birth: Date of Birth:

Phone Number: Phone Number:

Email Address: Email Address:

Nationality/Residency: Nationality/Residency:

Marital Status: Marital Status:

Number of Dependents: Number of Dependents:

Ages of Dependents: Ages of Dependents:

Employment Borrower 1 Employment Borrower 2

Type of Employment: PAYG Self employed Not employed Type of Employment: PAYG Self employed Not employed

Status: Full time Part time Casual Contractor Status: Full time Part time Casual Contractor

Employer Name: Employer Name:

Employer Location: Employer Location:

Employer Contact: Employer Contact:

Employer Contact Number: Employer Contact Number:

Occupation: Occupation:

Time in Position: Time in Position:

Previous Employment: Previous Employment:
(within last two years if applicable) (within last two years if applicable)

Gross Annual Income: $ Gross Annual Income: $

Financial Position
ASSETS Value LIABILITIES Limit Balance Repayment
Principal Home: $ Mortgage (Home): $ $ $

Investment Properties: $ Mortgage (Other): $ $ $

Motor Vehicles: $ Motor Vehicle Loans: $ $ $

Savings: $ Personal Loans: $ $ $

Superannuation: $ Other Loans: $ $ $

Investments: $ Credit Cards: $ $ $

Loans as guarantor:
Other Assets: $ HECS $ $ $

TOTAL ASSETS $ TOTAL LIABILITIES $ $ $

NET-WORTH POSITION: $
 Continue after
Income Expenses settlement
Borrower 1: $
Mortgage (Home): $
Gross monthly
Borrower 2: $
Mortgage (Other): $
Gross monthly
Rental Income: $ Mortgage (Other): $

Other Income: $ Car Loans: $

Government Benefits: $ Other Loans: $

$ Credit Cards: $

$ Proposed Loan: $

$ School Costs: $

$ Living Costs: $

$ Other Costs: $

TOTAL MONTHLY INCOME: $ TOTAL MONTHLY EXPENSES: $

NET SURPLUS: $
Are the borrowers aware of any future changes to income and expenses that may affect their ability to meet their financial obligation?

Yes No If Yes, please provide further details

Credit History
1. Has there ever been, or are there currently in progress, any financial judgments or legal proceedings against any of
the borrowers?
Yes No

2. Are any of the borrowers having difficulty meeting existing commitments?

Yes No

3. If yes has been indicated in answer to question 2 above, are any existing debts currently in arrears?
Yes No N/A
4. If yes to above, have the borrowers employed any strategies to reduce repayments and/or clearing
any/all instance of arrears on existing debt? Yes No N/A
5. If yes to question 3 or question 4 above, have the borrowers formally or informally applied for hardship
with their existing lender? Yes No N/A
If yes to the above, please explain:

Self Employed Borrowers

Entity Name:
Type of Entity:
Nature of Business:

Trustee:
Beneficiaries:

Financial Position Business Entity

Previous Financial Year Current Financial Year
Sales $ Sales $
Less cost of goods sold
$ Less cost of goods sold $
Gross profit
$ Gross profit $
$
Operating expenses Operating expenses $

Net Profit Before Tax $ Net Profit Before Tax $

ADD BACKS ADD BACKS
One off expenses
$ One off expenses $
Interest
$ Interest $
Depreciation
$ Depreciation $
Directors fees $
$ Directors fees
Other
$ Other $

Sub Total $ Net Profit Before Tax $

Less Tax $ Less Tax $

TOTAL $ TOTAL $

Accountant Details
Firm Name:
Accountant Name:
Phone Number:

Are the borrowers aware of any future changes to income and expenses that may affect their ability to meet their financial obligation?

Yes No If Yes, please provide further details

Has there been consistent income over the past two years?

Yes No If No, please provide further details

Loan Requirements
Purpose of Loan

Amount of credit/loan sought: $ Proposed loan term: years

Loan Features Required: Features

What loan type and features are important to the client? (e.g. variable/fixed rate, interest only, redraw, offset account, line of credit, professional pack, bridging
finance, etc)

Security Property 1
Property Type: Property Address:

Estimated Value: $ Source of Value Estimate:

Name on Title Rental Income: $

Security Property 2
Property Type: Property Address:

Estimated Value: $ Source of Value Estimate:

Name on Title Rental Income: $

Estimated Transaction Costs

Refinance/Exit Costs: $ New Loan 1: $
If existing loan is refinanced
Existing Loan Payout: $ New Loan 2: $

Purchase Price: $ Grant: $

Loan Fees: $ Savings: $

Valuation Fees: $ Gift: $

Legal Fees: $ Other Funds: $

Stamp Duty: $ $

Other Costs: $ $

TOTAL COSTS $ TOTAL FUNDS $

Changes to Current Circumstances
Does the borrower anticipate any change to their income over the next 12 months? Yes No

Does the borrower anticipate any change in expenditure over the next 12 months? Yes No

Are there any geographical factors that may contribute to higher living expenses? Yes No

If borrower has answered Yes to any of the above, please provide details and expected impact of changes:

Protecting Lifestyle & Assets

Does the borrower have any insurance to protect their lifestyle, e.g. life, TPD, income protection? Yes No

If Yes, what cover is in place?

Would the borrower like to be contacted regarding life insurance? Yes No

Does the borrower have home and contents insurance? Yes No

If No, would the borrower like to be contacted regarding home and contents insurance? Yes No

NOTES:

Sale of House

Purchase

LVR
DSR: Loans at 8% assessment rate + credit card limits at 3% + any other monthly
repayments monthly rental income at 80% (investment loan)
_______________________________________________________

Gross monthly income