Mike Pero Mortgage Financial Snapshot

INFORMATION FORM FOR LOAN ASSESSMENT
The fields in this form will give me all the info I need to assess your borrowing capacity and submit an application to a lender should that be required.
Is this an individual application or joint (more than one person)?
Purpose of the finance?
How did You Hear of Us?
Referred by (if you were referred)?
How much would you like to buy for?
How much deposit (funds) will you contribute?
Address of property you want to buy (if you already have one lined up)?
Applicant 1 Personal Details
Name
First NameLast Name
Date of birth
DayMonthYear
Date
Country of Birth
Mobile
Area CodePhone Number
Home landline
Area CodePhone Number
Email
example@example.com
Current Address
Street Address
Street Address Line 2
CitySuburb
Postcode
Residential Status
Date you started living at your current address?
DayMonthYear
Date
Lenders need to know where you've resided for the last 2 full years so if you've lived at your current place less than two years, use the below fields to let me know your other residences and dates lived there.
1st Previous Address
Street Address
Street Address Line 2
CitySuburb
Postcode
Residential Status
Start Date
DayMonthYear
Date
End Date
DayMonthYear
Date
2nd Previous Address
Street Address
Street Address Line 2
CitySuburb
Postcode
Residential Status
Start Date
DayMonthYear
Date
End Date
DayMonthYear
Date
If you have any qualifications list them here please?
Certificates, degrees, diplomas etc
Current bank?
If you have dependents then list their ages here
type age/ages, separated by commas
Write your highest formal qualification if you have one.
e.g. NCEA, National Certificate Level 4, Diploma, PhD etc

INCOME
Lenders need to know how you've derived income over the last two full years
Applicant 1 Income
Use the section below for the first applicant's income details
How do you receive income?
EmployedSelf employedGovernement benefitsChild support
Current Occupation
Name of Employer/Business
Start date in current work?
DayMonthYear
Date
How much do you earn?
Frequency
Gross or nett?
1st Previous Employer/Business
Only if you've been at current less than 2 years
Occupation
Start Date
DayMonthYear
Date
Finish Date
DayMonthYear
Date
Annual Income (previous role)
2nd Previous Employer
Only if you've been at current & first previous less than 2 years
Occupation
Start Date
DayMonthYear
Date
Finish Date
DayMonthYear
Date
How much did you earn?
Frequency
Gross or nett?
If you receive any other income e.g. benefits such as "working for families tax credits" please state what it is here and the amount below.
Amount
Frequency
If you receive any other income e.g. benefits such as "working for families tax credits" please state what it is here and the amount below.
Amount
Frequency
Comments:

Assets
Things of value that you own

Vehicles

	Make	Model	Year	Value	Ownership
Vehicle 1
Vehicle 2
Vehicle 3
Vehicle 4

KiwiSaver, Savings or Shares

	Provider/Bank	Balance	Ownership
KiwiSaver
KiwiSaver
Savings
Savings
Shares
Shares

First Home Grants
You could be entitled to a First Home Grant depending on how long you've been contributing to KiwiSaver, and only if you purchase below $400k for an existing home or $500k for a new build.
$3,000 for 3 years
$4,000 for 4 years
$5,000 for 5 or more years of contributing
How much First Home Grant do you think you'll be entitled to?
$3,000$4,000$5,000none
Home contents
Value
Applicant 1
Applicant 2
Gift Amount (if you're going to be gifted money to make up your deposit)
Existing properties you own
Address of 1st Investment Property
Street Address
Street Address Line 2
CityState / Province
Postal / Zip Code
Rent/week for 1st investment property
Address of 2nd Investment Property
Street Address
Street Address Line 2
CityState / Province
Postal / Zip Code
Rent/week for 2nd investment property
Comments

	Value
Applicant 1
Applicant 2

Liabilities
Things you pay money towards each month

Please fill in the details that apply to you in the table below

	Lender	Balance Owing	Repayment amount	Repayment frequency	Owner
Home Loan 1
Home Loan 2
Personal Loan 1
Personal Loan 2
Vehicle Loan 1
Vehicle Loan 2
Applicant 1 Student Loan
Applicant 2 Student Loan
Overdraft Facility 1
Overdraft Facility 2
Fines
Fines
Collection Agency
Collection Agency
Other
Other
Other

For overdrafts enter the overdraft limit in the "repayment amount" field

List all credit or store cards (e.g. Gem Visa, Q Card etc)

	Lender	Card Limit	Current Balance	Owner
Card 1
Card 2
Card 3
Card 4
Card 5
Card 6

Monthly Budget
This will be based on the futuristic scenario of when you own your house if your going to be applying for a home loan
Instructions:
Incude things like subscriptions to gym, SKY TV, Netflix, eating out, movies, travel etc in "entertainment".
Vehicle expenses will include fuel, WOF's, repairs etc
Home insurance is roughly $150/month
Banks use a benchmark minimum figure for expenses regardless of what you enter but they like to see that what you declare marries up with what they see in your bank statements, which they go through carefully.

Type a question

	Amount	Frequency
Council rates
Life/disability/income insurance
Entertainment
Groceries
Home/contents insurance
Power
Adult Education
Chid support/maintenance
Water rates
Ongoing rent/board
Health insurance
Vehicle expenses
Phone/internet
Childrens Education
Childcare
Other living expenses

Comments (use this to specify "other" if you used that field)

INFORMATION FORM FOR LOAN ASSESSMENT

Applicant 1 Personal Details

Applicant 2 Personal Details

INCOME

Assets

Liabilities

Monthly Budget

Regulatory Questions