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Let's maximise your savings!
Welcome to Your Money Home Loans! Let's gather some information from you. Why? Because it helps us tailor our services to fit your unique financial needs. By understanding your financial situation, we can find the best possible home loan options to help you save. So, let's get started on this journey toward maximising your savings!
What's your name
(Required)
First
Middle
Last
Please provide your full legal name
Email
(Required)
Phone
(Required)
What is the purpose of the loan your refinancing?
(Required)
If you're refinancing multiple properties, let's start with your owner occupied.
Owner Occupied
Investment
How many applicants will be on the loan?
(Required)
1
2
3 or more
We'll collect the first two applicant's details now, and the additional applicant details later.
What's your property worth?
(Required)
Estimated market price
How much do you want to borrow?
(Required)
Include your current loan amount and any additional funds for cash out or consolidating debt like car loans.
LVR
You're LVR looks great, lets keep going!
You're LVR is over 80%. You may have to pay lenders mortgage insurance. Find out more about lenders mortgage insurance here.
You're LVR is over 90%. Please review your loan amount and how much you want to borrow to decrease to 90% or below. Please note that LVR over 80% will incur lenders mortgage insurance (LMI). More info on LMI here
Tell us your goals
We'll work with you to achieve them
My goals
(Required)
Reduce my interest rate
Pay down loan faster
Unhappy with my current loan
Flexible rate and repayments
Free up money now
Borrow from my homes equity or cash out
Lock in my rate
Select all that apply
What are the additional funds for?
Tell us about yourself
Are you known by any other name?
(Required)
Yes
No
Other names
Date of birth
(Required)
DD slash MM slash YYYY
What is your address?
(Required)
Street Address
City
State / Province / Region
ZIP / Postal Code
Date you moved in
(Required)
DD slash MM slash YYYY
If you don't know exactly, an approximate is ok
What is your living situation?
(Required)
Own home
Renting
Boarding
Residency details
Tax residency country
(Required)
AUSTRALIA
Afghanistan
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antarctica
Antigua and Barbuda
Argentina
Armenia
Aruba
Austria
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bonaire, Sint Eustatius and Saba
Bosnia and Herzegovina
Botswana
Bouvet Island
Brazil
British Indian Ocean Territory
Brunei Darussalam
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos Islands
Colombia
Comoros
Congo
Congo, Democratic Republic of the
Cook Islands
Costa Rica
Croatia
Cuba
Curaçao
Cyprus
Czechia
Côte d'Ivoire
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Eswatini
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Guiana
French Polynesia
French Southern Territories
Gabon
Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Heard Island and McDonald Islands
Holy See
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iran
Iraq
Ireland
Isle of Man
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kiribati
Korea, Democratic People's Republic of
Korea, Republic of
Kuwait
Kyrgyzstan
Lao People's Democratic Republic
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macau
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Myanmar
Namibia
Nauru
Nepal
Netherlands
New Caledonia
New Zealand
Nicaragua
Niger
Nigeria
Niue
Norfolk Island
North Macedonia
Northern Mariana Islands
Norway
Oman
Pakistan
Palau
Palestine, State of
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn
Poland
Portugal
Puerto Rico
Qatar
Romania
Russian Federation
Rwanda
Réunion
Saint Barthélemy
Saint Helena, Ascension and Tristan da Cunha
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Sint Maarten
Slovakia
Slovenia
Solomon Islands
Somalia
South Africa
South Georgia and the South Sandwich Islands
South Sudan
Spain
Sri Lanka
Sudan
Suriname
Svalbard and Jan Mayen
Sweden
Switzerland
Syria Arab Republic
Taiwan
Tajikistan
Tanzania, the United Republic of
Thailand
Timor-Leste
Togo
Tokelau
Tonga
Trinidad and Tobago
Tunisia
Turkmenistan
Turks and Caicos Islands
Tuvalu
Türkiye
US Minor Outlying Islands
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Uzbekistan
Vanuatu
Venezuela
Viet Nam
Virgin Islands, British
Virgin Islands, U.S.
Wallis and Futuna
Western Sahara
Yemen
Zambia
Zimbabwe
Åland Islands
Are you an Australian citizen?
(Required)
Yes
No
I'm a permanent resident
Relationship and dependents
What is your marital status?
(Required)
Single
Married
De facto
Do you have any dependents
(Required)
Yes
No
Ages
Add the ages of each of your dependents
Who are you applying with?
My partner
Someone else
By continuing you are confirming that you have the other persons permission to provide their personal details to us and that they are aware of the application.
Tell us about the second applicant
Second Applicant
First
Middle
Last
Email
Phone
Are they known by any other name?
Yes
No
Other names
Date of birth
DD slash MM slash YYYY
Residential address
Same as myself (applicant one)
address of applicant 2
Street Address
City
State / Province / Region
ZIP / Postal Code
Date they moved in
DD slash MM slash YYYY
If you don't know exactly, an approximate is ok
What is their living situation?
Own home
Renting
Boarding
Residency details
Tax residency country
AUSTRALIA
Afghanistan
Albania
Algeria
American Samoa
Andorra
Angola
Anguilla
Antarctica
Antigua and Barbuda
Argentina
Armenia
Aruba
Austria
Azerbaijan
Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bermuda
Bhutan
Bolivia
Bonaire, Sint Eustatius and Saba
Bosnia and Herzegovina
Botswana
Bouvet Island
Brazil
British Indian Ocean Territory
Brunei Darussalam
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Cape Verde
Cayman Islands
Central African Republic
Chad
Chile
China
Christmas Island
Cocos Islands
Colombia
Comoros
Congo
Congo, Democratic Republic of the
Cook Islands
Costa Rica
Croatia
Cuba
Curaçao
Cyprus
Czechia
Côte d'Ivoire
Denmark
Djibouti
Dominica
Dominican Republic
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Eswatini
Ethiopia
Falkland Islands
Faroe Islands
Fiji
Finland
France
French Guiana
French Polynesia
French Southern Territories
Gabon
Gambia
Georgia
Germany
Ghana
Gibraltar
Greece
Greenland
Grenada
Guadeloupe
Guam
Guatemala
Guernsey
Guinea
Guinea-Bissau
Guyana
Haiti
Heard Island and McDonald Islands
Holy See
Honduras
Hong Kong
Hungary
Iceland
India
Indonesia
Iran
Iraq
Ireland
Isle of Man
Israel
Italy
Jamaica
Japan
Jersey
Jordan
Kazakhstan
Kenya
Kiribati
Korea, Democratic People's Republic of
Korea, Republic of
Kuwait
Kyrgyzstan
Lao People's Democratic Republic
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
Macau
Madagascar
Malawi
Malaysia
Maldives
Mali
Malta
Marshall Islands
Martinique
Mauritania
Mauritius
Mayotte
Mexico
Micronesia
Moldova
Monaco
Mongolia
Montenegro
Montserrat
Morocco
Mozambique
Myanmar
Namibia
Nauru
Nepal
Netherlands
New Caledonia
New Zealand
Nicaragua
Niger
Nigeria
Niue
Norfolk Island
North Macedonia
Northern Mariana Islands
Norway
Oman
Pakistan
Palau
Palestine, State of
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Pitcairn
Poland
Portugal
Puerto Rico
Qatar
Romania
Russian Federation
Rwanda
Réunion
Saint Barthélemy
Saint Helena, Ascension and Tristan da Cunha
Saint Kitts and Nevis
Saint Lucia
Saint Martin
Saint Pierre and Miquelon
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
Serbia
Seychelles
Sierra Leone
Singapore
Sint Maarten
Slovakia
Slovenia
Solomon Islands
Somalia
South Africa
South Georgia and the South Sandwich Islands
South Sudan
Spain
Sri Lanka
Sudan
Suriname
Svalbard and Jan Mayen
Sweden
Switzerland
Syria Arab Republic
Taiwan
Tajikistan
Tanzania, the United Republic of
Thailand
Timor-Leste
Togo
Tokelau
Tonga
Trinidad and Tobago
Tunisia
Turkmenistan
Turks and Caicos Islands
Tuvalu
Türkiye
US Minor Outlying Islands
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States
Uruguay
Uzbekistan
Vanuatu
Venezuela
Viet Nam
Virgin Islands, British
Virgin Islands, U.S.
Wallis and Futuna
Western Sahara
Yemen
Zambia
Zimbabwe
Åland Islands
Are they an Australian citizen?
Yes
No
I'm a permanent resident
Relationship and dependents
What is their marital status?
Single
Married
De facto
Do they have any dependents?
Yes
No
Only include any dependents not previously listed
Ages
Add the ages of each of your dependents
Tell us about the loan you are refinancing
Refinance address
It's for the property I live in
Security address
Street Address
City
State / Province / Region
ZIP / Postal Code
What is the property type
(Required)
House/townhouse
Unit/Apartment
Other
Who is on the property title?
(Required)
Yourself
The second applicant
Both of you
How many years are left on your current loan
(Required)
30
29
28
27
26
25
24
23
22
21
20
19
18
17
16
15
14
13
12
11
10
9
8
7
6
5 or less
What is your current rate type?
Variable interest rate
Fixed interest rate
Split loan (both)
What is your current repayment type?
Principal & interest
Interest only
Split loan (both)
What is your current interest rate?
(Required)
Are you after interest only?
No
One year
Two years
Three years
Four years
Five years
Your employment details
What's your employment type?
(Required)
Self employed / Business owner
Full or part time PAYG / Contract / Casual
Retired
Government payments
Unemployed / home duties
Select all that apply
Your self-employed income
Business type
Sole trader
Partnership
Company
Business name
What's your % ownership of the company
Please enter a number from
1
to
100
.
What does your business do?
When was the business established?
DD slash MM slash YYYY
Rough estimate is ok.
Profit before tax FY 22/23
Profit before tax FY 21/22
If you don't have the figures handy, you can leave it blank for now.
Your PAYG income
What is your occupation?
Employer
Employment status
Full time
Part-time
Casual
When did you start this role?
DD slash MM slash YYYY
Salary
Frequency
Weekly
Fortnightly
Monthly
Yearly
Do you have any additional income from this role?
Bonus
Overtime
Commission
Non-taxable
Total additional income
Government payments
Amount per fortnight
Benefit type
Carer payment
Carer allowance
Family tax benefit
Parental leave pay
Parenting payment
JobSeeker
Age pension
Disability support pension
Second applicant income
What's their employment type?
Self employed / Business owner
Full or part-time PAYG / Contract / Casual
Retired
Government payments
Unemployed / home duties
Select all that apply
Their self employed income
Business type second applicant
Sole trader
Partnership
Company
Company name
What's your % ownership of the company
What does their business do?
When was the business established?
DD slash MM slash YYYY
Rough estimate is ok.
Profit before tax FY 22/23
Profit before tax FY 21/22
Their PAYG income
What is their occupation?
Employment status
Full time
Part-time
Casual
When did they start the role?
DD slash MM slash YYYY
An estimation is ok.
Salary
Frequency
Weekly
Fortnightly
Monthly
Yearly
Do they have any additional income from this role?
Bonus
Overtime
Commission
Non-taxable
Total additional income
Government Benefits
Benefit / fortnight
Benefit type
Carer payment
Carer allowance
Family tax benefit
Parental leave pay
Parenting payment
JobSeeker
Age pension
Disability support pension
Tell us about your assets
Include assets for both applicants.
Your total savings
(Required)
For all applicants
2nd applicant savings
Do you have any additional properties?
One
Two
Three
Not including the one you are refinancing
Additional property one
Address
Street Address
City
State / Province / Region
ZIP / Postal Code
Property type
House/townhouse
Unit/apartment
Other
What is the ownership of the property?
50/50 with second applicant
Yourself 100%
Second applicant 100%
Other
How much is the property worth?
Approximate
What is the purpose of the property?
Owner occupied
Investment
Monthly rental income
Monthly rental expense
Do you have a loan for this property?
Yes
No
Loan amount
Monthly repayment
Rate
Number of years remaining
additional two property being refinanced?
This loan is being refinanced
Do you want interest only?
No
One year
Two years
Three years
Four years
Five years
Reason for interest only
First Choice
Second Choice
Third Choice
Additional property two
Address
Street Address
City
State / Province / Region
ZIP / Postal Code
Property type
House/townhouse
Unit/apartment
Other
What is the ownership of the property?
50/50 with second applicant
Yourself 100%
Second applicant 100%
Other
How much is the property worth?
What is the purpose of the property?
Investment
Owner Occupied
Monthly rental income
Monthly property costs
Do you have a loan for this property?
Yes
No
Loan amount
Monthly repayment
Interest rate
Remaining term
Number of years remaining on your loan
add property 2 refinanced? jasdahsdhas
This loan is being refinanced
Do you want interest only?
No
One year
Two years
Three years
Four years
Five years
Reason for interest only
First Choice
Second Choice
Third Choice
If you have three additional properties or more, we will collect this information later
Other assets
Managed funds and shares
Total for all applicants
Your super balance
Second applicant's super balance
The value of your car
If you don't have a car, leave blank
Value of the second applicants car
If they don't have a car, leave blank
Any other assets not yet included
Your liabilities
Your additional liabilities
Credit card
Buy now pay later
HECS
Personal loan
Car loan
Centerlink / ATO debt
Other / additional not listed
Select all that apply
Credit card
Your total limit across all cards
d
My credit card will be refinanced into the house loan
Buy now pay later total limit
Buy now pay later monthly payment
HECS
Your total HECS balance
Your personal loan balance
Monthly repayment
Rate
Remaining term
Number of monthly payments remaining.
d
My personal loan will be refinanced into the house loan
Car loan limit
Car loan monthly repayment
Interest rate
Remaining term
Number of months remaining
d
My car loan will be refinanced into the house loan
Total Centerlink / ATO debt
Second applicants additional liabilities
Second applicant additional liabilities SECOND APP
Credit card
Buy now pay later
HECS
Personal loan
Car loan
Centerlink/ATO debt
Other / additional not listed
Select all that apply
Credit card
Your total limit across all cards
d
The credit card will be refinanced into the house loan
Buy now pay later total limit
Buy now pay later monthly payment
HECS
Their total HECS balance
Their personal loan limit
Their personal loan monthly payment
Rate
Remaining term
Their personal loan remaining term in months
d
The personal loan will be refinanced into the house loan
Car loan limit
Monthly repayment
Rate
Remaining term
The number of months remaining on their car loan.
d
The car loan will be refinanced into the house loan
Total Centerlink / ATO debt
Your monthly living expenses
You have the option to complete a full break down, or add the total to any of the categories. (If you don't provide a full break down now, we will get it from you later)
Owner occupied utilities and rates
Communications
Mobile, internet, streaming services
Food
Groceries, pet food, take-away
Recreation and entertainment
Holidays, alcohol, tobacco, gambling
Clothing and personal care
Medical and health
GP, medication, gym etc
Insurance
Home and contents, vehicle, life, health
Education
School fees, books, uniforms
Childcare
Other
Total
You're expenses appear a little low. Please review the living expenses and double check they are relevant for how much you will be spending after the refinance is approved.
Forseeable changes
(Required)
Do you see any likely changes in the future that will decrease your income or increase your expenses?
Yes
No
Do you have any adverse events on your credit report?
(Required)
No
Yes
This includes defaults and court judgements, or more than one missed repayment in the last 6 months.
Please download a free copy of your credit report from Equifax
here
and send us a copy as a reply to your application submission email.
Consent
(Required)
By filling out this form you are confirming that you have read and agree to our Privacy Consent.
A copy of the privacy consent can be found
here
Name
This field is for validation purposes and should be left unchanged.