Online Mortgage Assessment

Expert Mortgage Advice for Australian Expatriates and Overseas Residents Worldwide
This short online application will only take 5 minutes, and once completed our team will get back to you within 24-48 hours with a detailed assessment (with real numbers) on your borrowing capacity, eligibility, loan options, costs and more.
Let's start with a few quick questions about you, and what you’re wanting to do.
- Which of the following best describes your situation?
- Which of the following best describes your situation?
- Type of property being purchased:
- Type of property being purchased:
- What will the property be used for initially?
- What will the property be used for initially?
- When do you plan to make the purchase?
- When do you plan to make the purchase?
- Do you have an interest rate preference?
- Do you have an interest rate preference?
- Do you have a repayment type preference?
- Do you have a repayment type preference?
- What's your citizenship?
- What's your citizenship?
- Which country do you currently reside in?
- Which country do you currently reside in?
  Country
- Are you a Permanent Resident (PR) of this country?
- Are you a Permanent Resident (PR) of this country?
- Are you a Permanent Resident (PR) of this country?
- Are you a Permanent Resident (PR) of this country?
- What's your current residential status?
- What's your current residential status?
- What is the rent expense?
  Input figures in the currency of your Country of residence. i.e. Live in Hong Kong? Input figures in HKD
- Enter rent expense
- Frequency
- Enter the full amount as stated on the tenancy agreement even if you are splitting the rent with others.
- Do you currently have a mortgage against that property?
- Is it mortgaged?
- Enter your mortgage details in the next page under 'Properties owned'
- What's your marital status?
- What's your marital status?
- Do you have any dependant children?
- Do you have any dependant children?
- Do you have any dependant children(ONE)
- What are the ages of your children? (Years old)
- Do you have any dependant children(TWO)
- Do you have any dependant children(THREE)
- Do you have any dependant children(FOUR)
- Do you have any dependant children(FIVE)
- Do your children go to private school?
- Do your children go to private school?
Please ensure you have answered all of the questions above before proceeding to the next page.

In this section, we'll ask you about your plans for buying your future property and how you intend to fund it.
We’ll also ask whether you have any other properties in case you want to cash out equity.
You can hit the 'Go Back' button at any time to change details and your information will be saved.
- What's the maximum purchase price you'd consider for your new property?
- AUD
- What's the maximum purchase price you'd consider for your new property
- Which state will this property be located?
- Which state will this property be located?
- How long do you intend to keep this property for?
- How long do you intend to keep this property for?
- What's the absolute maximum cash you have available to you for this purchase?
  (liquid assets; savings/offset, shares, cash gifts, redraw)
- AUD
- What's the absolute maximum cash you have available to you for this purchase
- How much of this cash would you be comfortable spending on this purchase?
- AUD
- How much of this cash would you be comfortable spending on this purchase
- Where is this cash coming from?
  Tick all that applies
- Where is this cash coming from?
  - Bank savings
  - Offset/redraw a/c
  - Shares/investments
  - Cash gift (parents) inheritance
- How many Australian properties do you or the other applicant (if applicable) currently own?
- How many Australian properties do you or the other applicant (if applicable) currently own?
- Please fill out the following details in AUD
- 1
- How many Australian properties do you or the other applicant (if applicable) currently own(one-address)
- Mortgage1: How many Australian properties do you or the other applicant (if applicable) currently own(one-mortgaged)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-owner)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-prop)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-usetype)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-loanlimit)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-lender)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-loanterm)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-ir)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-ratetype)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-rent)
- How many Australian properties do you or the other applicant (if applicable) currently own(one-frequency)
- 2
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-address)
- Mortgage2: How many Australian properties do you or the other applicant (if applicable) currently own:(two-mortgaged)
- How many Australian propertHow many Australian properties do you or the other applicant (if applicable) currently own:(two-owner)ies do you or the other applicant (if applicable) currently own?(TWO)
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-prop)
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-usertype)
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-loanlimit)
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-lender)
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-loanterm)
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-ir)
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-ratetype)
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-rent)
- How many Australian properties do you or the other applicant (if applicable) currently own:(two-frequency)
- 3
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-address)
- Mortgage3: How many Australian properties do you or the other applicant (if applicable) currently own?(three-mortgaged)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-owner)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-prop)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-usetype)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-loanlimit)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-lender)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-loanterm)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-ir)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-ratetype)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-rent)
- How many Australian properties do you or the other applicant (if applicable) currently own:(three-frequency)
- 4
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-address)
- Mortgage4: How many Australian properties do you or the other applicant (if applicable) currently own:(four-mortgaged)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-owner)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-prop)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-usetype)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-loanlimit)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-lender)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-loanterm)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-ir)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-ratetype)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-rent)
- How many Australian properties do you or the other applicant (if applicable) currently own:(four-frequency)
- 5
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-address)
- Mortgage5: How many Australian properties do you or the other applicant (if applicable) currently own:(five-mortgaged)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-owner)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-propvalue)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-usetype)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-loanlimit)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-lender)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-loanterm)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-ir)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-ratetype)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-rent)
- How many Australian properties do you or the other applicant (if applicable) currently own:(five-frequency)
- Would you like to use equity from your existing Australian property(s) to assist with the new purchase?
- Would you like to use equity from your existing Australian property(s) to assist with the new purchase
- Do you own any other properties? Not located in Australia
- Do you own any other properties
- Please fill out some necessary details of your property.
  Note: Input figures in the currency of where your property is located. i.e. Singapore? Enter figures in SGD E.g. Singapore / $980000 market value / $400000 mortgage / 2.15% interest rate / 25 yrs left on loan term / $600 weekly rent / Jointly owned
- 1
- Do you own any other properties?(ONE):Country
- Do you own any other properties?(ONE):Value
- Do you own any other properties?(ONE):Loan limit
- Do you own any other properties?(ONE):Int.rate%
- Do you own any other properties?(ONE):Term
- Do you own any other properties?(ONE):Rent
- Do you own any other properties?(ONE):Frequency
- Do you own any other properties?(ONE):Owner
- 2
- Do you own any other properties?(TWO):Country
- Do you own any other properties?(TWO):Value
- Do you own any other properties?(TWO):Loan limit
- Do you own any other properties?(TWO):Int.rate%
- Do you own any other properties?(TWO):Term
- Do you own any other properties?(TWO):Rent
- Do you own any other properties?(TWO):Frequency
- Do you own any other properties?(TWO):Owner
- 3
- Do you own any other properties?(THREE):Country
- Do you own any other properties?(THREE):Value
- Do you own any other properties?(THREE):Loan limit
- Do you own any other properties?(THREE):Int.rate%
- Do you own any other properties?(THREE):Term
- Do you own any other properties?(THREE):Rent
- Do you own any other properties?(THREE):Frequency
- Do you own any other properties?(THREE):Owner
- 4
- Do you own any other properties?(FOUR):Country
- Do you own any other properties?(FOUR):Value
- Do you own any other properties?(FOUR):Loan limit
- Do you own any other properties?(FOUR):Int.rate%
- Do you own any other properties?(FOUR):Term
- Do you own any other properties?(FOUR):Rent
- Do you own any other properties?(FOUR):Frequency
- Do you own any other properties?(FOUR):Owner
- 5
- Do you own any other properties?(FIVE):Country
- Do you own any other properties?(FIVE):Value
- Do you own any other properties?(FIVE):Loan limit
- Do you own any other properties?(FIVE):Int.rate%
- Do you own any other properties?(FIVE):Term
- Do you own any other properties?(FIVE):Rent
- Do you own any other properties?(FIVE):Frequency
- Do you own any other properties?(FIVE):Owner
- What's your name, email address, and phone number?
- What's your name, email address, and phone number?(First name)
- What's your name, email address, and phone number?(Last name)
- What's your name, email address, and phone number?(Email)*
- What's your name, email address, and phone number?(Phone)
Please ensure you have answered all the questions above before proceeding to the last page.

Great work, you’re onto the final section which is about your income and non-property related debts, and whether you’ll be purchasing or co-borrowing with anyone else.
A payslip or bank statements might come in handy here.
Lastly, if there’s anything else you think we should know just leave your comments below - and you're done!
- What's the main source of your income?
- What's the main source of your income
- When did you start your current job?
- When did you start your current job?(EMPLOYEE):(Month)
- When did you start your current job?(EMPLOYEE):(YYYY)
- What's your occupation?
- What's your occupation?(EMPLOYEE)
- What currency are you paid in? Answer the following income-related questions in this currency
- What currency are you paid in?(EMPLOYEE)
- What's your Base salary income? Before income taxes & voluntary deductions
- Currency
- What's your Base salary income?(EMPLOYEE): (Enter base salary)
- What's your Base salary income?(EMPLOYEE): (Frequency)
- What's your Allowance income? If you don't receive any allowance, enter '0'
- Currency
- What's your Allowance income?(EMPLOYEE): (Enter your allowance)
- What's your Allowance income?(EMPLOYEE): (Frequency)
- What's your Commission/OT income? If you don't receive any commission/OT, enter '0'
- Currency
- What's your Commission/OT income?(EMPLOYEE): (Enter commission)
- What's your Commission/OT income?(EMPLOYEE): (Frequency)
- What's your last 2 years Bonus income? If you don't receive any bonus, enter '0'
- Currency
- What's your last 2 years Bonus income?(EMPLOYEE): (This year)
- Currency
- What's your last 2 years Bonus income?(EMPLOYEE): (Last year)
- When did you start operating?
- When did you start operating?(SELF EMPLOYED/CONTRACTOR)-(MONTH)
- When did you start operating?(SELF EMPLOYED/CONTRACTOR)-(YYYY)
- What's your industry?
- What's your industry?(SELF EMPLOYED/CONTRACTOR)
- What currency are you paid in? Answer the next questions using this currency
- What currency are you paid in?(SELF EMPLOYED/CONTRACTOR)
- Please advise your last 2 (financial) years Personal net income AFTER taxes. Use figures that were shown in your tax notice of assessment.
- Currency
- Please advise your last 2 (financial) years Personal net income before taxes(SELF EMPLOYED/CONTRACTOR):(THIS YEAR)
- Currency
- Please advise your last 2 (financial) years Personal net income before taxes(SELF EMPLOYED/CONTRACTOR):(LAST YEAR)
- If you operate a company, please advise your share ownership percentage (%)
- If you operate a company, please advise your share ownership percentage (%)(SELF EMPLOYED/CONTRACTOR)
- Please advise the last 2 (financial) years Company net income AFTER taxes (if applicable). Use figures that were shown in the tax notice of assessment.
- Currency
- Please advise the last 2 (financial) years Company net income before taxes if applicable.(SELF EMPLOYED/CONTRACTOR)-(This Year)
- Currency
- Please advise the last 2 (financial) years Company net income before taxes if applicable.(SELF EMPLOYED/CONTRACTOR)-(Last Year)
- Do you have any non-property loans?
- Do you have any non-property loans?
- Please fill out some necessary details of your other loans
- 1
- Do you have any non-property loans?(ONE):(CURRENCY)
- Do you have any non-property loans?(ONE):(TYPE)
- Do you have any non-property loans?(ONE):(LOAN BALANCE)
- Do you have any non-property loans?(ONE):(Yrs. left on loan)
- Do you have any non-property loans?(ONE):(Repayments)
- Do you have any non-property loans?(ONE):(Frequency)
- 2
- Do you have any non-property loans?(TWO):(CURRENCY)
- Do you have any non-property loans?(TWO):(TYPE)
- Do you have any non-property loans?(TWO):(LOAN BALANCE)
- Do you have any non-property loans?(TWO):(Yrs. left on loan)
- Do you have any non-property loans?(TWO):(Repayments)
- Do you have any non-property loans?(TWO):(Frequency)
- 3
- Do you have any non-property loans?(THREE):(CURRENCY)
- Do you have any non-property loans?(THREE):(TYPE)
- Do you have any non-property loans?(THREE):(LOAN BALANCE)
- Do you have any non-property loans?(THREE):(Yrs. left on loan)
- Do you have any non-property loans?(THREE):(Repayments)
- Do you have any non-property loans?(THREE):(Frequency)
- 4
- Do you have any non-property loans?(FOUR):(CURRENCY)
- Do you have any non-property loans?(FOUR):(TYPE)
- Do you have any non-property loans?(FOUR):(LOAN BALANCE)
- Do you have any non-property loans?(FOUR):(Yrs. left on loan)
- Do you have any non-property loans?(FOUR):(Repayments)
- Do you have any non-property loans?(FOUR):(Frequency)
- 5
- Do you have any non-property loans?(FIVE):(CURRENCY)
- Do you have any non-property loans?(FIVE):(TYPE)
- Do you have any non-property loans?(FIVE):(LOAN BALANCE)
- Do you have any non-property loans?(FIVE):(Yrs. left on loan)
- Do you have any non-property loans?(FIVE):(Repayments)
- Do you have any non-property loans?(FIVE):(Frequency)
- What's your total credit card limit? If no credit card, enter '0'
- What's your total credit card limit?(Currency)
- What's your total credit card limit?(Enter limit)
- Are you buying the new property with someone else?
- Are you buying the new property with someone else?
- What's the other person's name and email address?
- What's the other person's name and email address?:(First name)
- What's the other person's name and email address?:(Last name)
- Email
- What's your relationship to this person?
- What's your relationship to this person?
- What's their citizenship?
- What's their citizenship?
- Is this person living with you?
- Is this person living with you?
- Which country does he/she currently reside in?
- Which country does he/she currently reside in?
  Country
- What's their current residential status?
- What's their current residential status?
- What is the monthly rent? Input figures in the currency of the Country of residence. i.e. Live in Hong Kong? Input figures in HKD
- What is the monthly rent?:(Enter rental expense)
  Please enter a number greater than or equal to 0.
- What is the monthly rent?:(Frequency)
- Do they currently have a mortgage against that property?
- Do they currently have a mortgage against that property?
- Enter mortgage details in the previous page under 'Properties owned'
- What's their main source of income?
- What's their main source of income?
- What's their occupation?
- What's their occupation?(EMPLOYMENT)
- Start date of current job?
- Start date of current job?(EMPLOYMENT): (Month)
- Start date of current job?(EMPLOYMENT): (YYYY)
- What currency is the salary paid in? Answer the following income-related questions in this currency.
- What currency is the salary paid in?(EMPLOYMENT)
- What's the Base salary income? Before income taxes & voluntary deduction
- Currency
- What's the Base salary income?(EMPLOYMENT-Enter base salary)
- What's the Base salary income?(EMPLOYMENT-Frequency)
- Enter Allowance income If no allowance income, enter '0'
- Currency
- Enter Allowance income(EMPLOYMENT-allowance)
- Enter Allowance income(EMPLOYMENT-frequency)
- What's their Commission/OT income? If no commission/OT, enter '0'
- Currency
- What's their Commission/OT income?:(EMPLOYMENT-commission)
- What's their Commission/OT income?:(EMPLOYMENT-frequency)
- Enter the last 2 years Bonus income If no bonus income, enter '0'
- Currency
- Enter the last 2 years Bonus income:(EMPLOYMENT-This year)
- Currency
- Enter the last 2 years Bonus income:(EMPLOYMENT-Last year)
- When did they start operating?
- When did they start operating?(Self employed/contractor-Month)
- When did they start operating?(Self employed/contractor-YYYY)
- What's their industry?
- What's their industry?(Self employed/contractor)
- What currency are they paid in? Answer the next questions using this currency
- What currency are they paid in?(Self employed/contractor)
- Please advise their last 2 (financial) years net Personal income before taxes Use figures that were disclosed in their tax return.
- Currency
- Please advise their last 2 (financial) years net Personal income before taxes(Self employed/contractor - This year)
- Currency
- Please advise their last 2 (financial) years net Personal income before taxes(Self employed/contractor - Last year)
- If they operate a company, please advise their share ownership percentage (%)
- If they operate a company, please advise their share ownership percentage (%)(Self employed/contractor)
- Please advise the last 2 (financial) years Company net income before taxes if applicable. Use figures that were disclosed in the tax return.
- Currency
- Please advise the last 2 (financial) years Company net income before taxes if applicable.(Self employed/contractor -this year)
- Currency
- Please advise the last 2 (financial) years Company net income before taxes if applicable.(Self employed/contractor -last year)
- Does he/she have any non-property loans?
- Does he/she have any non-property loans?(PART-THREE)
- Please fill out some necessary details of their other loans
- 1
- Does he/she have any non-property loans?(PART-THREE):(ONE-Currency)
- Does he/she have any non-property loans?(PART-THREE):(ONE-Type)
- Does he/she have any non-property loans?(PART-THREE):(ONE-Loan balance)
- Does he/she have any non-property loans?(PART-THREE):(ONE-Yrs left on loan)
- Does he/she have any non-property loans?(PART-THREE):(ONE-Repayments)
- Does he/she have any non-property loans?(PART-THREE):(ONE-Frequency)
- 2
- Does he/she have any non-property loans?(PART-THREE):(TWO-Currency)
- Does he/she have any non-property loans?(PART-THREE):(TWO-Type)
- Does he/she have any non-property loans?(PART-THREE):(TWO-Loan balance)
- Does he/she have any non-property loans?(PART-THREE):(TWO-Yrs left on loan)
- Does he/she have any non-property loans?(PART-THREE):(TWO-Repayments)
- Does he/she have any non-property loans?(PART-THREE):(TWO-Frequency)
- 3
- Does he/she have any non-property loans?(PART-THREE):(THREE-Currency)
- Does he/she have any non-property loans?(PART-THREE):(THREE-Type)
- Does he/she have any non-property loans?(PART-THREE):(THREE-Loan balance)
- Does he/she have any non-property loans?(PART-THREE):(THREE-Yrs left on loan)
- Does he/she have any non-property loans?(PART-THREE):(THREE-Repayments)
- Does he/she have any non-property loans?(PART-THREE):(THREE-Frequency)
- 4
- Does he/she have any non-property loans?(PART-THREE):(FOUR-Currency)
- Does he/she have any non-property loans?(PART-THREE):(FOUR-Type)
- Does he/she have any non-property loans?(PART-THREE):(FOUR-Loan balance)
- Does he/she have any non-property loans?(PART-THREE):(FOUR-Yrs left on loan)
- Does he/she have any non-property loans?(PART-THREE):(FOUR-Repayments)
- Does he/she have any non-property loans?(PART-THREE):(FOUR-Frequency)
- 5
- Does he/she have any non-property loans?(PART-THREE):(FIVE-Currency)
- Does he/she have any non-property loans?(PART-THREE):(FIVE-Type)
- Does he/she have any non-property loans?(PART-THREE):(FIVE-Loan balance)
- Does he/she have any non-property loans?(PART-THREE):(FIVE-Yrs left on loan)
- Does he/she have any non-property loans?(PART-THREE):(FIVE-Repayments)
- Does he/she have any non-property loans?(PART-THREE):(FIVE-Frequency)
- What's their total credit card limit? If no credit card, enter '0'
- What's their total credit card limit?(PART-THREE-Currency)
- What's their total credit card limit?(PART-THREE-limit)
- Where did you hear about us?
- Where did you hear about us?
- Comments (PART THREE)
- - Agreement
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    - I agree
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Please ensure you have answered all questions before submitting.
The more accurate your answers, the more accurate your assessment!

Expert Mortgage Advice for Australian Expatriates and Overseas Residents Worldwide