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Lonsdale Finance Choice

Lending Fact Find

As a responsible lending broker, it is important for us to gain a true understanding of your lending needs and requirements. In order to ensure we provide you with the appropriate financing needs, please complete the questionnaire below.

Lending fact find

Name	This is a mandatory field.
Email address	This is a mandatory field.
Telephone number	This is a mandatory field.
Question 1.1
What is the purpose of the credit you are considering? Please provide as much detail as possible. (eg:purchase home, investment property, renovations, debt consolidation, refinance, other)
Question 1.2
Please note any other relevant information we should know?
Question 1.3
How long do you expect to remain in the credit contract? (for example - do you expect to sell the property in a certain time frame?)
Question 1.4
What kind of loan repayment are you considering?
Question 1.5
What is the PRIMARY purpose for seeking credit?
Question 2.1
Have you had any judgments, defaults or legal proceedings against you in respect of credit contracts in the past?	Yes No
Question 2.2
If yes, please provide details
Question2.3
Are all current credit commitments up to date?	Yes No
Question 2.4
If NO - please provide details of how you intend to make all payments up to date.
Question 3.1
Are you concerned about rising interest rates?	1 2 3 4 5 (Please select a number, where the higher the number, the higher your concern)
Question 3.2
Would you consider taking a fixed rate loan?	Yes No Maybe
Question 3.3
How would you rate your current job security?	1 2 3 4 5 (the higher the number, the more secure you feel)
Question 4.1
Are there any lenders you do not wish to deal with?	If so, please list the lenders
Question 4.2
Is there a particular product type that you are interested in?	Long Term - over 10 years Medium Term - 5 -10 years Short Term - less than 5 years Not sure
Question 4.3
Do you have any preferences as to the type of lender you wish to deal with?	Major bank Regional or Second Tier Bank Mortgage manager Don't care
Below are list of must haves. Please indicate which options are relevant to you.
Question 5.1
Extra repayments	Must have Nice to have Don't care
Question 5.2
Loan redraw	Must have Nice to have Don't care
Question 5.3
Offset account (Any funds in my savings account offset against my loan balance when interest is calculated)	Must have Nice to have Don't care
Question 5.4
Portability (if I change my property I can keep my existing loan)	Must have Nice to have Don't care
Question 5.5
Multiple account splits	Must have Nice to have Don't care
Question 5.6
Line of credit option (can my loan operate with an overall credit limit and I am only required to pay the interest each month?)	Must have Nice to have Don't care
Question 5.7
Fixed rate option (am I able to convert my loan to a fixed rate during the term? - fees may be payable)	Must have Nice to have Don't care
Question 5.8
Loan variations (eg - the ability to increase or decrease the amount of credit at a time in the future)	Must have Nice to have Don't care
Question 5.9
Access to Lender Branch	Must have Nice to have Don't care
Question 5.10
Access to fee free ATM transactions	Must have Nice to have Don't care
Question 5.11
Cheque book linked to loan or offset account	Must have Nice to have Don't care
Question 5.12
Internet banking access	Must have Nice to have Don't care
Question 6.1
Do you anticipate that your INCOME will change materially in the next 6-12 months?	Yes No Maybe
Question 6.2
Do you anticipate that your EXPENSES will change materially in the next 6-12 months?	Yes No Maybe
Question 6.3
Is there any other factor that you can think of that may materially affect your INCOME or EXPENSES in the next 12 months?	Yes No Maybe
If you answered YES above, please provide details
Question 7.1
Do you have adequate insurance to meet your loan repayments should you not be able to work? (Such as life insurance, mortgage protection insurance, income protection)	Yes No I don't know
Question 7.2
If you answered NO or I DON'T KNOW, would you like one of our associates to contact you regarding insurance?	Yes No
Question 7.3
Do you have adequate Home and Contents Insurance?	Yes No I don't know
Question 7.4
If you answered NO or I DON'T KNOW, would you like one of our associates to contact you regarding Home and Contents insurance?	Yes No
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Lending Fact Find

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