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1.	What are you using the loan for?
	To buy a home To buy an investment property To refinance a home To refinance investment property To consolidate debt To help fund my business
2.	Are you applying for a loan on your own?
	Yes No
3.	How long have you lived at your current address?
	< 6 months > 6 months but < 2 yrs > 2 yrs
4.	How long have you been in your job?
	I’m on probation < 6 months > 6 months but < 2 yrs > 2 yrs
5.	How are you employed?
	I’m self employed for more than 2yrs I’m self employed for less than 2 yrs I’m permanent full time or part time I’m casual I’m a contractor I’m employed by an agency
6.	How many credit enquiries are on your credit file in the last 6 months (how many loans / credit cards / utilities have you applied for)?
	No enquiries One enquiry Two enquries Three to six enquiries More than six enquires
7.	Do you have any credit problems such as judgements or defaults?
	I am bankrupt I am a discharged bankrupt I have more than 2 defaults OR my defaults are over $1,000 in total OR my defaults are not yet paid I have 2 or less defaults AND my defaults total less than $1,000 AND they have been paid My credit history is clear!
8.	Have you missed payments on your current debts?
	Yes, however it was more than 6 months ago Yes within the last 6 months No, I never miss repayments
9.	How much are you borrowing?
	$0 to $300,000 $300,001 to $500,000 $500,001 to $750,000 $750,001 to $1,000,000 > $1,000,000
10.	What percentage of the property value (LVR) are you borrowing?
	Less than 60% Between 60% and 80% 80.1% to 85% 85.1% to 90% 90.1% to 95%
11.	Do you have any genuine savings or shares (gifts are not included)?
	I have more than 10% of the purchase price in savings I have more than 5% of the purchase price in savings I have 3% of the purchase price in savings I have no savings
12.	What is your net asset position (assets minus liabilities) like?
	> $1,000,000 > $100,000 > $50,000 > $25,000 $0 to $25,000 I own nothing! I own nothing and I am on an income over $50,000 My liabilities are more than my assets

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