Online Refinance Assessment

1About You

2Your Assets

3Your Income

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 want to do.
- What are your priorities for refinancing?
  - Lower my repayments
  - Pay off my mortgage faster
  - Get on a better rate
  - More loan features / flexibility
  - Consolidate my debts
  - Cash out from my property
- Hidden
  Inquiry Type (Refinance)
- What's your interest rate preference?
- What's your repayment type preference?
- What's your citizenship?
- What’s your visa sub-class?
- Sub-class
- Expiry Date
  DD slash MM slash YYYY
- Which country do you currently reside in?
  Country
- Are you a Permanent Resident (PR) of this country?
- What's your <i>current</i> 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
- What is the rent expense?(Enter rent expense)
- What is the 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?
- Do you currently have a mortgage against that property?(PAGE-1)
- Enter your mortgage details in the next page
- Please provide further clarification
- What's your marital status?
- Do you have any dependant children?
- What are the ages of your children? (Years old)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-ONE)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-TWO)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-THREE)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-FOUR)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-FIVE)
  Please enter a number from 0 to 99.
- 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 current mortgage and property details and whether you require any cash-out.
You can hit the 'Go Back' button at any time to change details and your information will be saved.
- How many Australian properties do you or the other applicant (if applicable) own?
- Hidden
  Section Break 1
- Please fill out the following details in AUD
- 1
- Australian property(PAGE2 - ADDRESS1)
- Australian property(PAGE2 - PROP VALUE1)
- Australian property(PAGE2 - USETYPE1)
- Australian property(PAGE2 - RENT1)
- Freq1
- Australian property(PAGE2 - MORTGAGED1)
- Australian property(PAGE2 - OWNER1)
- Australian property(PAGE2 - REFINANCE/CASH-1)
- Australian property(PAGE2 - AMTREQD-1)
- Australian property(PAGE2 - PURPOSE-1)
- Australian property(PAGE2 - LOANLIMIT1)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR1)
- Australian property(PAGE2 - LOANTERM1)
- Australian property(PAGE2 - LENDER1)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED1)
  - Yes
  - No
- Hidden
  Section Break 2
- 2
- Australian property(PAGE2 - ADDRESS2)
- Australian property(PAGE2 - PROP VALUE2)
- Australian property(PAGE2 - USETYPE2)
- Australian property(PAGE2 - RENT2)
- Australian property(PAGE2 - FREQUENCY2)
- Australian property(PAGE2 - MORTGAGED2)
- Australian property(PAGE2 - OWNER2)
- Australian property(PAGE2 - REFINANCE/CASH-2)
- Australian property(PAGE2 - AMTREQD-2)
- Australian property(PAGE2 - PURPOSE-2)
- Australian property(PAGE2 - LOANLIMIT2)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR2)
- Australian property(PAGE2 - LOANTERM2)
- Australian property(PAGE2 - LENDER2)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED2)
  - Yes
  - No
- Hidden
  Section Break 3
- 3
- Australian property(PAGE2 - ADDRESS3)
- Australian property(PAGE2 - PROP VALUE3)
- Australian property(PAGE2 - USETYPE3)
- Australian property(PAGE2 - RENT3)
- Australian property(PAGE2 - FREQUENCY3)
- Australian property(PAGE2 - MORTGAGED3)
- Australian property(PAGE2 - OWNER3)
- Australian property(PAGE2 - REFINANCE/CASH-3)
- Australian property(PAGE2 - AMTREQD-3)
- Australian property(PAGE2 - PURPOSE-3)
- Australian property(PAGE2 - LOANLIMIT3)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR3)
- Australian property(PAGE2 - LOANTERM3)
- Australian property(PAGE2 - LENDER3)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED3)
  - Yes
  - No
- Hidden
  Section Break 4
- 4
- Australian property(PAGE2 - ADDRESS4)
- Australian property(PAGE2 - PROP VALUE4)
- Australian property(PAGE2 - USETYPE4)
- Australian property(PAGE2 - RENT4)
- Australian property(PAGE2 - FREQUENCY4)
- Australian property(PAGE2 - MORTGAGED4)
- Australian property(PAGE2 - OWNER4)
- Australian property(PAGE2 - REFINANCE/CASH-4)
- Australian property(PAGE2 - AMTREQD-4)
- Australian property(PAGE2 - PURPOSE-4)
- Australian property(PAGE2 - LOANLIMIT4)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR4)
- Australian property(PAGE2 - LOANTERM4)
- Australian property(PAGE2 - LENDER4)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED4)
  - Yes
  - No
- Hidden
  Section Break 5
- 5
- Australian property(PAGE2 - ADDRESS5)
- Australian property(PAGE2 - PROP VALUE5)
- Australian property(PAGE2 - USETYPE5)
- Australian property(PAGE2 - RENT5)
- Australian property(PAGE2 - FREQUENCY5)
- Australian property(PAGE2 - MORTGAGED5)
- Australian property(PAGE2 - OWNER5)
- Australian property(PAGE2 - REFINANCE/CASH-5)
- Australian property(PAGE2 - AMTREQD-5)
- Australian property(PAGE2 - PURPOSE-5)
- Australian property(PAGE2 - LOANLIMIT5)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR5)
- Australian property(PAGE2 - LOANTERM5)
- Australian property(PAGE2 - LENDER5)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED5)
  - Yes
  - No
- Hidden
  Section Break 6
- 6
- Australian property(PAGE2 - ADDRESS6)
- Australian property(PAGE2 - PROP VALUE6)
- Australian property(PAGE2 - USETYPE6)
- Australian property(PAGE2 - RENT6)
- Australian property(PAGE2 - FREQUENCY6)
- Australian property(PAGE2 - MORTGAGED6)
- Australian property(PAGE2 - OWNER6)
- Australian property(PAGE2 - REFINANCE/CASH-6)
- Australian property(PAGE2 - AMTREQD-6)
- Australian property(PAGE2 - PURPOSE-6)
- Australian property(PAGE2 - LOANLIMIT6)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR6)
- Australian property(PAGE2 - LOANTERM6)
- Australian property(PAGE2 - LENDER6)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED6)
  - Yes
  - No
- Hidden
  Section Break 7
- 7
- Australian property(PAGE2 - ADDRESS7)
- Australian property(PAGE2 - PROP VALUE7)
- Australian property(PAGE2 - USETYPE7)
- Australian property(PAGE2 - RENT7)
- Australian property(PAGE2 - FREQUENCY7)
- Australian property(PAGE2 - MORTGAGED7)
- Australian property(PAGE2 - OWNER7)
- Australian property(PAGE2 - REFINANCE/CASH-7)
- Australian property(PAGE2 - AMTREQD-7)
- Australian property(PAGE2 - PURPOSE-7)
- Australian property(PAGE2 - LOANLIMIT7)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR7)
- Australian property(PAGE2 - LOANTERM7)
- Australian property(PAGE2 - LENDER7)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED7)
  - Yes
  - No
- Hidden
  Section Break 8
- 8
- Australian property(PAGE2 - ADDRESS8)
- Australian property(PAGE2 - PROP VALUE8)
- Australian property(PAGE2 - USETYPE8)
- Australian property(PAGE2 - RENT8)
- Australian property(PAGE2 - FREQUENCY8)
- Australian property(PAGE2 - MORTGAGED8)
- Australian property(PAGE2 - OWNER8)
- Australian property(PAGE2 - REFINANCE/CASH-8)
- Australian property(PAGE2 - AMTREQD-8)
- Australian property(PAGE2 - PURPOSE-8)
- Australian property(PAGE2 - LOANLIMIT8)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR8)
- Australian property(PAGE2 - LOANTERM8)
- Australian property(PAGE2 - LENDER8)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED8)
  - Yes
  - No
- Hidden
  Section Break 9
- 9
- Australian property(PAGE2 - ADDRESS9)
- Australian property(PAGE2 - PROP VALUE9)
- Australian property(PAGE2 - USETYPE9)
- Australian property(PAGE2 - RENT9)
- Australian property(PAGE2 - FREQUENCY9)
- Australian property(PAGE2 - MORTGAGED9)
- Australian property(PAGE2 - OWNER9)
- Australian property(PAGE2 - REFINANCE/CASH-9)
- Australian property(PAGE2 - AMTREQD-9)
- Australian property(PAGE2 - PURPOSE-9)
- Australian property(PAGE2 - LOANLIMIT9)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR9)
- Australian property(PAGE2 - LOANTERM9)
- Australian property(PAGE2 - LENDER9)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED9)
  - Yes
  - No
- Hidden
  Section Break 10
- 10
- Australian property(PAGE2 - ADDRESS10)
- Australian property(PAGE2 - PROP VALUE10)
- Australian property(PAGE2 - USETYPE10)
- Australian property(PAGE2 - RENT10)
- Australian property(PAGE2 - FREQUENCY10)
- Australian property(PAGE2 - MORTGAGED10)
- Australian property(PAGE2 - OWNER10)
- Australian property(PAGE2 - REFINANCE/CASH-10)
- Australian property(PAGE2 - AMTREQD-10)
- Australian property(PAGE2 - PURPOSE-10)
- Australian property(PAGE2 - LOANLIMIT10)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR10)
- Australian property(PAGE2 - LOANTERM10)
- Australian property(PAGE2 - LENDER10)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED10)
  - Yes
  - No
- Hidden
  Section Break Last
- Do you own any other 'Overseas' properties?
  Not located in Australia
- Hidden
  Australia Section Break1
- 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 / $980,000 market value / $400,000 mortgage / 3.15% interest rate / 25 yrs left on loan term
- 1
- Non Australian property(PAGE2 - COUNTRY1)
  Country
- Non Australian property(PAGE2 - VALUE1)
- Non Australian property(PAGE2 - LOANLIMIT1)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR1)
- Non Australian property(PAGE2 - TERM1)
- Non Australian property(PAGE2 - OWNER1)
- Non Australian property(PAGE2 - REPAYMENT1)
- Non Australian property(PAGE2 - USETYPE1)
- Non Australian property(PAGE2 - RENT1)
- Non Australian property(PAGE2 - FREQUENCY1)
- Hidden
  Australia Section Break2
- 2
- Non Australian property(PAGE2 - COUNTRY2)
  Country
- Non Australian property(PAGE2 - VALUE2)
- Non Australian property(PAGE2 - LOANLIMIT2)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR2)
- Non Australian property(PAGE2 - TERM2)
- Non Australian property(PAGE2 - OWNER2)
- Non Australian property(PAGE2 - REPAYMENT2)
- Non Australian property(PAGE2 - USETYPE2)
- Non Australian property(PAGE2 - RENT2)
- Non Australian property(PAGE2 - FREQUENCY2)
- Hidden
  Australia Section Break3
- 3
- Non Australian property(PAGE2 - COUNTRY3)
  Country
- Non Australian property(PAGE2 - VALUE3)
- Non Australian property(PAGE2 - LOANLIMIT3)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR3)
- Non Australian property(PAGE2 - TERM3)
- Non Australian property(PAGE2 - OWNER3)
- Non Australian property(PAGE2 - REPAYMENT3)
- Non Australian property(PAGE2 - USETYPE3)
- Non Australian property(PAGE2 - RENT3)
- Non Australian property(PAGE2 - FREQUENCY3)
- Hidden
  Australia Section Break4
- 4
- Non Australian property(PAGE2 - COUNTRY4)
  Country
- Non Australian property(PAGE2 - VALUE4)
- Non Australian property(PAGE2 - LOANLIMIT4)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR4)
- Non Australian property(PAGE2 - TERM4)
- Non Australian property(PAGE2 - OWNER4)
- Non Australian property(PAGE2 - REPAYMENT4)
- Non Australian property(PAGE2 - USETYPE4)
- Non Australian property(PAGE2 - RENT4)
- Non Australian property(PAGE2 - FREQUENCY4)
- Hidden
  Australia Section Break5
- 5
- Non Australian property(PAGE2 - COUNTRY5)
  Country
- Non Australian property(PAGE2 - VALUE5)
- Non Australian property(PAGE2 - LOANLIMIT5)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR5)
- Non Australian property(PAGE2 - TERM5)
- Non Australian property(PAGE2 - OWNER5)
- Non Australian property(PAGE2 - REPAYMENT5)
- Non Australian property(PAGE2 - USETYPE5)
- Non Australian property(PAGE2 - RENT5)
- Non Australian property(PAGE2 - FREQUENCY5)
- Hidden
  Australia Section Break Last
- What's your name, email address, and phone number?
- Refinance Assessment(Name)
  First Last
- Refinance Assessment(Email)*
- Refinance Assessment(Phone)*
  ✓ Valid number ✕ Invalid number
Please ensure you have answered all of 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 refinancing 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?(PAGE-3/1
- Hidden
  Employee Section Break
- When did you start your current job?
- When did you start your current job?(PAGE3/1-Employee)-(Month)
- When did you start your current job?(PAGE3/1-Employee)-(YYYY)
- What's your occupation?
- What's your occupation?(PAGE3/1)
- What currency are you paid in?
  Answer the following income-related questions in this currency.
- What currency are you paid in?(PAGE3/1)
- What's your Base salary income?
  Before income taxes & voluntary deductions
- Currency
- What's your Base salary income?(PAGE3/1 - Enter base salary)
- What's your Base salary income?(PAGE3/1 - Enter frequency)
- Do you receive allowance income?
- Do you receive allowance income? (EMPLOYEE)
- What's your Allowance income?
  If no allowance income, enter '0
- Currency
- What's your Allowance income?(PAGE3/1-Enter your allowance)
- What's your Allowance income?(PAGE3/1-Enter frequency)
- Type of Allowance:
- Type of Allowance
  - Housing
  - Transport
  - Living
  - Education
  - Cash
  - Other
- Do you receive commission income?
- Do you receive commission income? (EMPLOYEE)
- What's your Commission income?
  If you don't receive any commission, enter '0'
- Currency
- What's your Commission income?(PAGE3/1-Enter commission)
- What's your Commission income?(PAGE3/1-frequency)
- How long have you been receiving commission with your current employer?
- How long have you been receiving commission with your current employer?(PAGE3/1-Commission)
- How often do you receive commission?
- How often do you receive commission?(PAGE3/1-Commission-Freq)
- Do you receive an Annual Cash Bonus?
- Do you receive an Annual Cash Bonus? (EMPLOYEE)
- What's your last 2 years Cash Bonus income?
- Currency
- What's your last 2 years Bonus income?(PAGE3/1-This year)
- Currency
- What's your last 2 years Bonus income?(PAGE3/1-Last year)
- Do you receive Stock Options / Restricted Stock Units?
- Do you receive Stock Options / Restricted Stock Units? (EMPLOYEE)
- What's your last 2 years RSU?
- Currency
- What's your last 2 years RSU?(PAGE3/1-This year)
- Currency
- What's your last 2 years RSU?(PAGE3/1-Last year)
- Hidden
  Self employed/contractor/company Break:
- When did you start operating?
- When did you start operating?(PAGE3/1-SE)-(MONTH)
- When did you start operating?(PAGE3/1-SE)-(YYYY)
- What's your industry?
- What's your industry?(PAGE3/1-SE)
- What currency are you paid in?
  Answer the next questions using this currency
- What currency are you paid in?(PAGE3/1-SE)
- 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.(PAGE3/1-SE)-(This Year)
- Currency
- Please advise your last 2 (financial) years Personal net income before taxes.(PAGE3/1-SE)-(Last Year)
- Hidden
  Self-employed (Company) Break:
- Please advise your share ownership percentage (%) of the company
- If you operate a company, please advise your share ownership percentage (%)(PAGE3/1-SC)
- Please advise the last 2 (financial) years FULL 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. (PAGE3/1-SE)-(This year)
- Currency
- Please advise the last 2 (financial) years Company net income before taxes if applicable. (PAGE3/1-SE)-(Last year)
- Hidden
  Employee Section Break Last
- Do you have any non-property loans?
- Do you have any non-property loans?(PAGE3/1)
- Please fill out some necessary details of your other loans
- 1
- Do you have any non-property loans?(PAGE3/1 - 1)-CURRENCY
- Do you have any non-property loans?(PAGE3/1 - 1)-TYPE
- Do you have any non-property loans?(PAGE3/1 - 1)-LOAN BALANCE
- Do you have any non-property loans?(PAGE3/1 - 1)-Yrs. left on loan
- Do you have any non-property loans?(PAGE3/1 - 1)-Repayments
- Do you have any non-property loans?(PAGE3/1 - 1)-Frequency
- 2
- Do you have any non-property loans?(PAGE3/1 - 2)-CURRENCY
- Do you have any non-property loans?(PAGE3/1 - 2)-TYPE
- Do you have any non-property loans?(PAGE3/1 - 2)-LOAN BALANCE
- Do you have any non-property loans?(PAGE3/1 - 2)-Yrs. left on loan
- Do you have any non-property loans?(PAGE3/1 - 2)-Repayments
- Do you have any non-property loans?(PAGE3/1 - 2)-Frequency
- 3
- Do you have any non-property loans?(PAGE3/1 - 3)-CURRENCY
- Do you have any non-property loans?(PAGE3/1 - 3)-TYPE
- Do you have any non-property loans?(PAGE3/1 - 3)-LOAN BALANCE
- Do you have any non-property loans?(PAGE3/1 - 3)-Yrs. left on loan
- Do you have any non-property loans?(PAGE3/1 - 3)-Repayments
- Do you have any non-property loans?(PAGE3/1 - 3)-Frequency
- 4
- Do you have any non-property loans?(PAGE3/1 - 4)-CURRENCY
- Do you have any non-property loans?(PAGE3/1 - 4)-TYPE
- Do you have any non-property loans?(PAGE3/1 - 4)-LOAN BALANCE
- Do you have any non-property loans?(PAGE3/1 - 4)-Yrs. left on loan
- Do you have any non-property loans?(PAGE3/1 - 4)-Repayments
- Do you have any non-property loans?(PAGE3/1 - 4)-Frequency
- 5
- Do you have any non-property loans?(PAGE3/1 - 5)-CURRENCY
- Do you have any non-property loans?(PAGE3/1 - 5)-TYPE
- Do you have any non-property loans?(PAGE3/1 - 5)-LOAN BALANCE
- Do you have any non-property loans?(PAGE3/1 - 5)-Yrs. left on loan
- Do you have any non-property loans?(PAGE3/1 - 5)-Repayments
- Do you have any non-property loans?(PAGE3/1 - 5)-Frequency
- What's your total credit card limit?
  If no credit card, enter '0'
- What's your total credit card limit?(PAGE3 - Currency)
- What's your total credit card limit?(PAGE3 - Enter limit)
- Are you refinancing with someone else? If they are on the property title, they will also be on the loan
- Are you refinancing with someone else?(PAGE3)
- Hidden
  Section Break
- What's the other person's name and email address?
- What's the other person's name and email address?(PAGE3 - FIRSTNAME)
- What's the other person's name and email address?(PAGE3 - LASTNAME)
- What's the other person's name and email address?(PAGE3 - EMAIL)*
- What's the other person's phone number?(Phone)*
  ✓ Valid number ✕ Invalid number
- What's your relationship to this person?
- What's your relationship to this person?(PAGE3)
- What's their citizenship?
- What's their citizenship?(PAGE3)
- What's their visa sub-class?
- Sub-class : 2nd App
- Expiry Date : 2nd App
  DD slash MM slash YYYY
- Is this person living with you?
- Is this person living with you?(PAGE3)
- Which country does he/she currently reside in?
- Which country does he/she currently reside in?(PAGE3)
- Are they a Permanent Resident (PR) of this country?
- 2nd App: Are they a Permanent Resident (PR) of this country?(PAGE3)
- What's their current residential status?
- What's their current residential status?(PAGE3)
- 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?(PAGE3-Renting-Enter rental expense)
- What is the monthly rent?(PAGE3-Renting-Frequency)
- Do they currently have a mortgage against that property?
- Do they currently have a mortgage against that property?(PAGE3-OP)
- Enter mortgage details in the previous page under 'Properties owned'
- Please provide further clarification
- 2nd App: Clarification text
- What's their main source of income?
- What's the main source of your income?(PAGE-3/2)
- Start date of current job?
- When did you start your current job?(PAGE3/2-Employee)-(Month)
- When did you start your current job?(PAGE3/2-Employee)-(YYYY)
- What's their occupation?
- What's your occupation?(PAGE3/2)
- What currency is the salary paid in?
- What currency are you paid in?(PAGE3/2)
- What's the Monthly Base salary income (before taxes)?
- Currency
- What's your Base salary income?(PAGE3/2 - Enter base salary)
- What's your Base salary income?(PAGE3/2 - Enter frequency)
- Receives allowance income?
- 2nd App: Receives allowance income?
- Enter the monthly Allowance income
  If no allowance income, enter '0'
- Currency
- What's your Allowance income?(PAGE3/2-Enter your allowance)
- What's your Allowance income?(PAGE3/2-Enter frequency)
- Type of Allowance:
- 2nd App: Type of Allowance
  Housing
  Transport
  Living
  Education
  Cash
  Other
- Receives commission income?
- 2nd App: Receives commission income?
- What's their Commission income?
  If no commission income, enter '0'
- Currency
- What's their Commission income?(PAGE3/2-Enter commission)
- What's their Commission income?(PAGE3/2-frequency)
- How long have he/she been receiving commission with their current employer?
- 2nd App: How long have he/she receiving commission with their current employer?
- How often does he/she receive commission?
- 2nd App: How often does he/she receive commission?
- Receives an Annual Cash Bonus?
- 2nd App: Receives an Annual Cash Bonus?
- Enter the last 2 years Bonus income
- Currency
- What's your last 2 years Bonus income?(PAGE3/2-This year)
- Currency
- What's your last 2 years Bonus income?(PAGE3/2-Last year)
- Receives Stock Options / Restricted Stock Units?
- 2nd App: Receives Stock Options / Restricted Stock Units?
- Enter the last 2 years RSU
- Currency
- What's the last 2 years RSU?(PAGE3/2-This year)
- Currency
- What's the last 2 years RSU?(PAGE3/2-Last year)
- Hidden
  Section Break : 2 App - Self-employed (Sole trader / Contractor)
- When did they start operating?
- When did you start operating?(PAGE3/2-SE)-(MONTH)
- When did you start operating?(PAGE3/2-SE)-(YYYY)
- What's their industry?
- What's your industry?(PAGE3/2-SE)
- What currency is the business income?
  Answer the next question using this currency
- What currency are you paid in?(PAGE3/2-SE)
- Please advise their last 2 (financial) years net Personal income before taxes
  Use figures that were disclosed in their tax return.
- Currency
- Please advise your last 2 (financial) years Personal net income before taxes.(PAGE3/2-SE)-(This Year)
- Currency
- Please advise your last 2 (financial) years Personal net income before taxes.(PAGE3/2-SE)-(Last Year)
- Hidden
  Section Break : 2 App - Self-employed (Company)
- Please advise their share ownership percentage (%) of the company
- If you operate a company, please advise your share ownership percentage (%)(PAGE3/2-SE)
- Please advise the last 2 (financial) years FULL Company net income AFTER 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. (PAGE3/2-SE)-(This year)
- Currency
- Please advise the last 2 (financial) years Company net income before taxes if applicable. (PAGE3/2-SE)-(Last year)
- Hidden
  Section Break Last - 2nd App
- Does he/she have any non-property loans?
- Does he/she have any non-property loans?(PAGE3/2)
- Please fill out some necessary details of their other loans
- 1
- Does he/she have any non-property loans?(PAGE3/2 - 1)-CURRENCY
- Does he/she have any non-property loans?(PAGE3/2 - 1)-TYPE
- Does he/she have any non-property loans?(PAGE3/2 - 1)-LOAN BALANCE
- Does he/she have any non-property loans?(PAGE3/2 - 1)-Yrs. left on loan
- Does he/she have any non-property loans?(PAGE3/2 - 1)-Repayments
- Does he/she have any non-property loans?(PAGE3/2 - 1)-Frequency
- 2
- Does he/she have any non-property loans?(PAGE3/2 - 2)-CURRENCY
- Does he/she have any non-property loans?(PAGE3/2 - 2)-TYPE
- Does he/she have any non-property loans?(PAGE3/2 - 2)-LOAN BALANCE
- Does he/she have any non-property loans?(PAGE3/2 - 2)-Yrs. left on loan
- Does he/she have any non-property loans?(PAGE3/2 - 2)-Repayments
- Does he/she have any non-property loans?(PAGE3/2 - 2)-Frequency
- 3
- Does he/she have any non-property loans?(PAGE3/2 - 3)-CURRENCY
- Does he/she have any non-property loans?(PAGE3/2 - 3)-TYPE
- Does he/she have any non-property loans?(PAGE3/2 - 3)-LOAN BALANCE
- Does he/she have any non-property loans?(PAGE3/2 - 3)-Yrs. left on loan
- Does he/she have any non-property loans?(PAGE3/2 - 3)-Repayments
- Does he/she have any non-property loans?(PAGE3/2 - 3)-Frequency
- 4
- Does he/she have any non-property loans?(PAGE3/2 - 4)-CURRENCY
- Does he/she have any non-property loans?(PAGE3/2 - 4)-TYPE
- Does he/she have any non-property loans?(PAGE3/2 - 4)-LOAN BALANCE
- Does he/she have any non-property loans?(PAGE3/2 - 4)-Yrs. left on loan
- Does he/she have any non-property loans?(PAGE3/2 - 4)-Repayments
- Does he/she have any non-property loans?(PAGE3/2 - 4)-Frequency
- 5
- Does he/she have any non-property loans?(PAGE3/2 - 5)-CURRENCY
- Does he/she have any non-property loans?(PAGE3/2 - 5)-TYPE
- Does he/she have any non-property loans?(PAGE3/2 - 5)-LOAN BALANCE
- Does he/she have any non-property loans?(PAGE3/2 - 5)-Yrs. left on loan
- Does he/she have any non-property loans?(PAGE3/2 - 5)-Repayments
- Does he/she have any non-property loans?(PAGE3/2 - 5)-Frequency
- What's their total credit card limit?
  If no credit card, enter '0'
- What's their total credit card limit?(PAGE-3 - CURRENCY)
- What's their total credit card limit?(PAGE-3 - Enter limit)
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- Where did you hear about us?
- Where did you hear about us?(PAGE3)
- Comments(PAGE3)
- - Agreement(PAGE3)
    You’re agreeing that we can share your personal data with our lender partners for assessment purposes (no credit check will be made) and that we can use this data for marketing and analytics, and to make your experience easier. You can opt-out of sharing your data now by unchecking the box. You can also opt-out at any time by contacting us.
    I agree
  - You're agreeing that we can share your personal data with our lender partners for assessment purposes (no credit check will be made) and that we can use this data for marketing and analytics, and to make your experience easier. You can opt-out of sharing your data now by unchecking the box. You can also opt-out at any time by contacting us.
  - Communication Consent:
    By submitting your contact information, you agree to our Privacy Policy. You also expressly consent to have Odin Mortgage contact you about your inquiry by email, text message, or phone to the telephone number you have provided, even if that telephone number is on a Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Odin Mortgage.
Please ensure you have answered all questions before submitting.
The more accurate your answers, the more accurate your assessment!

1About You

2Your Assets

3Your Income

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 want to do.
- What are your priorities for refinancing?
  Lower my repayments
  Pay off my mortgage faster
  Get on a better rate
  More loan features / flexibility
  Consolidate my debts
  Cash out from my property
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  Inquiry Type (Refinance)
- What's your interest rate preference?
- What's your repayment type preference?
- What's your citizenship?
- What’s your visa sub-class?
- Sub-class
- Expiry Date
  DD slash MM slash YYYY
- Which country do you currently reside in?
  Country
- Are you a Permanent Resident (PR) of this country?
- What's your <i>current</i> 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
- What is the rent expense?(Enter rent expense)
- What is the 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?
- Do you currently have a mortgage against that property?(PAGE-1)
- Enter your mortgage details in the next page
- Please provide further clarification
- What's your marital status?
- Do you have any dependant children?
- What are the ages of your children? (Years old)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-ONE)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-TWO)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-THREE)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-FOUR)
  Please enter a number from 0 to 99.
- What are the ages of your children?(PART1-FIVE)
  Please enter a number from 0 to 99.
- 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 current mortgage and property details and whether you require any cash-out.
You can hit the 'Go Back' button at any time to change details and your information will be saved.
- How many Australian properties do you or the other applicant (if applicable) own?
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- Please fill out the following details in AUD
- 1
- Australian property(PAGE2 - ADDRESS1)
- Australian property(PAGE2 - PROP VALUE1)
- Australian property(PAGE2 - USETYPE1)
- Australian property(PAGE2 - RENT1)
- Freq1
- Australian property(PAGE2 - MORTGAGED1)
- Australian property(PAGE2 - OWNER1)
- Australian property(PAGE2 - REFINANCE/CASH-1)
- Australian property(PAGE2 - AMTREQD-1)
- Australian property(PAGE2 - PURPOSE-1)
- Australian property(PAGE2 - LOANLIMIT1)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR1)
- Australian property(PAGE2 - LOANTERM1)
- Australian property(PAGE2 - LENDER1)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED1)
  Yes
  No
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- Australian property(PAGE2 - ADDRESS2)
- Australian property(PAGE2 - PROP VALUE2)
- Australian property(PAGE2 - USETYPE2)
- Australian property(PAGE2 - RENT2)
- Australian property(PAGE2 - FREQUENCY2)
- Australian property(PAGE2 - MORTGAGED2)
- Australian property(PAGE2 - OWNER2)
- Australian property(PAGE2 - REFINANCE/CASH-2)
- Australian property(PAGE2 - AMTREQD-2)
- Australian property(PAGE2 - PURPOSE-2)
- Australian property(PAGE2 - LOANLIMIT2)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR2)
- Australian property(PAGE2 - LOANTERM2)
- Australian property(PAGE2 - LENDER2)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED2)
  Yes
  No
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- Australian property(PAGE2 - ADDRESS3)
- Australian property(PAGE2 - PROP VALUE3)
- Australian property(PAGE2 - USETYPE3)
- Australian property(PAGE2 - RENT3)
- Australian property(PAGE2 - FREQUENCY3)
- Australian property(PAGE2 - MORTGAGED3)
- Australian property(PAGE2 - OWNER3)
- Australian property(PAGE2 - REFINANCE/CASH-3)
- Australian property(PAGE2 - AMTREQD-3)
- Australian property(PAGE2 - PURPOSE-3)
- Australian property(PAGE2 - LOANLIMIT3)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR3)
- Australian property(PAGE2 - LOANTERM3)
- Australian property(PAGE2 - LENDER3)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED3)
  Yes
  No
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- Australian property(PAGE2 - ADDRESS4)
- Australian property(PAGE2 - PROP VALUE4)
- Australian property(PAGE2 - USETYPE4)
- Australian property(PAGE2 - RENT4)
- Australian property(PAGE2 - FREQUENCY4)
- Australian property(PAGE2 - MORTGAGED4)
- Australian property(PAGE2 - OWNER4)
- Australian property(PAGE2 - REFINANCE/CASH-4)
- Australian property(PAGE2 - AMTREQD-4)
- Australian property(PAGE2 - PURPOSE-4)
- Australian property(PAGE2 - LOANLIMIT4)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR4)
- Australian property(PAGE2 - LOANTERM4)
- Australian property(PAGE2 - LENDER4)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED4)
  Yes
  No
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- Australian property(PAGE2 - ADDRESS5)
- Australian property(PAGE2 - PROP VALUE5)
- Australian property(PAGE2 - USETYPE5)
- Australian property(PAGE2 - RENT5)
- Australian property(PAGE2 - FREQUENCY5)
- Australian property(PAGE2 - MORTGAGED5)
- Australian property(PAGE2 - OWNER5)
- Australian property(PAGE2 - REFINANCE/CASH-5)
- Australian property(PAGE2 - AMTREQD-5)
- Australian property(PAGE2 - PURPOSE-5)
- Australian property(PAGE2 - LOANLIMIT5)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR5)
- Australian property(PAGE2 - LOANTERM5)
- Australian property(PAGE2 - LENDER5)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED5)
  Yes
  No
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- Australian property(PAGE2 - ADDRESS6)
- Australian property(PAGE2 - PROP VALUE6)
- Australian property(PAGE2 - USETYPE6)
- Australian property(PAGE2 - RENT6)
- Australian property(PAGE2 - FREQUENCY6)
- Australian property(PAGE2 - MORTGAGED6)
- Australian property(PAGE2 - OWNER6)
- Australian property(PAGE2 - REFINANCE/CASH-6)
- Australian property(PAGE2 - AMTREQD-6)
- Australian property(PAGE2 - PURPOSE-6)
- Australian property(PAGE2 - LOANLIMIT6)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR6)
- Australian property(PAGE2 - LOANTERM6)
- Australian property(PAGE2 - LENDER6)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED6)
  Yes
  No
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- Australian property(PAGE2 - ADDRESS7)
- Australian property(PAGE2 - PROP VALUE7)
- Australian property(PAGE2 - USETYPE7)
- Australian property(PAGE2 - RENT7)
- Australian property(PAGE2 - FREQUENCY7)
- Australian property(PAGE2 - MORTGAGED7)
- Australian property(PAGE2 - OWNER7)
- Australian property(PAGE2 - REFINANCE/CASH-7)
- Australian property(PAGE2 - AMTREQD-7)
- Australian property(PAGE2 - PURPOSE-7)
- Australian property(PAGE2 - LOANLIMIT7)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR7)
- Australian property(PAGE2 - LOANTERM7)
- Australian property(PAGE2 - LENDER7)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED7)
  Yes
  No
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- Australian property(PAGE2 - ADDRESS8)
- Australian property(PAGE2 - PROP VALUE8)
- Australian property(PAGE2 - USETYPE8)
- Australian property(PAGE2 - RENT8)
- Australian property(PAGE2 - FREQUENCY8)
- Australian property(PAGE2 - MORTGAGED8)
- Australian property(PAGE2 - OWNER8)
- Australian property(PAGE2 - REFINANCE/CASH-8)
- Australian property(PAGE2 - AMTREQD-8)
- Australian property(PAGE2 - PURPOSE-8)
- Australian property(PAGE2 - LOANLIMIT8)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR8)
- Australian property(PAGE2 - LOANTERM8)
- Australian property(PAGE2 - LENDER8)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED8)
  Yes
  No
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- Australian property(PAGE2 - ADDRESS9)
- Australian property(PAGE2 - PROP VALUE9)
- Australian property(PAGE2 - USETYPE9)
- Australian property(PAGE2 - RENT9)
- Australian property(PAGE2 - FREQUENCY9)
- Australian property(PAGE2 - MORTGAGED9)
- Australian property(PAGE2 - OWNER9)
- Australian property(PAGE2 - REFINANCE/CASH-9)
- Australian property(PAGE2 - AMTREQD-9)
- Australian property(PAGE2 - PURPOSE-9)
- Australian property(PAGE2 - LOANLIMIT9)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR9)
- Australian property(PAGE2 - LOANTERM9)
- Australian property(PAGE2 - LENDER9)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED9)
  Yes
  No
- Hidden
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- 10
- Australian property(PAGE2 - ADDRESS10)
- Australian property(PAGE2 - PROP VALUE10)
- Australian property(PAGE2 - USETYPE10)
- Australian property(PAGE2 - RENT10)
- Australian property(PAGE2 - FREQUENCY10)
- Australian property(PAGE2 - MORTGAGED10)
- Australian property(PAGE2 - OWNER10)
- Australian property(PAGE2 - REFINANCE/CASH-10)
- Australian property(PAGE2 - AMTREQD-10)
- Australian property(PAGE2 - PURPOSE-10)
- Australian property(PAGE2 - LOANLIMIT10)
  Loan limit = The loan balance + Available redraw funds
- Australian property(PAGE2 - IR10)
- Australian property(PAGE2 - LOANTERM10)
- Australian property(PAGE2 - LENDER10)
- Is this loan currently on a fixed rate?
- Australian property(PAGE2 - FIXED10)
  Yes
  No
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- Do you own any other 'Overseas' properties?
  Not located in Australia
- Hidden
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- 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 / $980,000 market value / $400,000 mortgage / 3.15% interest rate / 25 yrs left on loan term
- 1
- Non Australian property(PAGE2 - COUNTRY1)
  Country
- Non Australian property(PAGE2 - VALUE1)
- Non Australian property(PAGE2 - LOANLIMIT1)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR1)
- Non Australian property(PAGE2 - TERM1)
- Non Australian property(PAGE2 - OWNER1)
- Non Australian property(PAGE2 - REPAYMENT1)
- Non Australian property(PAGE2 - USETYPE1)
- Non Australian property(PAGE2 - RENT1)
- Non Australian property(PAGE2 - FREQUENCY1)
- Hidden
  Australia Section Break2
- 2
- Non Australian property(PAGE2 - COUNTRY2)
  Country
- Non Australian property(PAGE2 - VALUE2)
- Non Australian property(PAGE2 - LOANLIMIT2)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR2)
- Non Australian property(PAGE2 - TERM2)
- Non Australian property(PAGE2 - OWNER2)
- Non Australian property(PAGE2 - REPAYMENT2)
- Non Australian property(PAGE2 - USETYPE2)
- Non Australian property(PAGE2 - RENT2)
- Non Australian property(PAGE2 - FREQUENCY2)
- Hidden
  Australia Section Break3
- 3
- Non Australian property(PAGE2 - COUNTRY3)
  Country
- Non Australian property(PAGE2 - VALUE3)
- Non Australian property(PAGE2 - LOANLIMIT3)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR3)
- Non Australian property(PAGE2 - TERM3)
- Non Australian property(PAGE2 - OWNER3)
- Non Australian property(PAGE2 - REPAYMENT3)
- Non Australian property(PAGE2 - USETYPE3)
- Non Australian property(PAGE2 - RENT3)
- Non Australian property(PAGE2 - FREQUENCY3)
- Hidden
  Australia Section Break4
- 4
- Non Australian property(PAGE2 - COUNTRY4)
  Country
- Non Australian property(PAGE2 - VALUE4)
- Non Australian property(PAGE2 - LOANLIMIT4)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR4)
- Non Australian property(PAGE2 - TERM4)
- Non Australian property(PAGE2 - OWNER4)
- Non Australian property(PAGE2 - REPAYMENT4)
- Non Australian property(PAGE2 - USETYPE4)
- Non Australian property(PAGE2 - RENT4)
- Non Australian property(PAGE2 - FREQUENCY4)
- Hidden
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- 5
- Non Australian property(PAGE2 - COUNTRY5)
  Country
- Non Australian property(PAGE2 - VALUE5)
- Non Australian property(PAGE2 - LOANLIMIT5)
  Loan limit = The loan balance + Available redraw funds
- Non Australian property(PAGE2 - IR5)
- Non Australian property(PAGE2 - TERM5)
- Non Australian property(PAGE2 - OWNER5)
- Non Australian property(PAGE2 - REPAYMENT5)
- Non Australian property(PAGE2 - USETYPE5)
- Non Australian property(PAGE2 - RENT5)
- Non Australian property(PAGE2 - FREQUENCY5)
- Hidden
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- What's your name, email address, and phone number?
- Refinance Assessment(Name)
  First Last
- Refinance Assessment(Email)*
- Refinance Assessment(Phone)*
  ✓ Valid number ✕ Invalid number
Please ensure you have answered all of 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 refinancing 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?(PAGE-3/1
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- When did you start your current job?
- When did you start your current job?(PAGE3/1-Employee)-(Month)
- When did you start your current job?(PAGE3/1-Employee)-(YYYY)
- What's your occupation?
- What's your occupation?(PAGE3/1)

Expert Mortgage Advice for Australian Expatriates and Overseas Residents Worldwide

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Expert Mortgage Advice for Australian Expatriates and Overseas Residents Worldwide

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