Yellow Brick Road Home Loans - Inner Melbourne

Before we start

This is a fact find - a way for us to gather the information a broker needs before an actual home loan application is lodged with a lender. It is not itself a loan application.

How we handle your information

Yellow Brick Road Finance Pty Limited (ABN/ACN 128 708 109, Australian Credit Licence 393195) collects personal and credit-related information to assess your finance needs and manage your application. We may exchange information with credit reporting bodies, prospective lenders, and other parties involved in your application, as set out in our Credit Guide & Privacy Consent.

Your progress saves automatically as you go, so you can close this and come back anytime using the same link.

This fact find doesn't ask for any supporting documents - we'll arrange those separately once your details are reviewed.

Full details are in our Privacy Policy, and you'll confirm a short declaration at the end, before final submission.

Yellow Brick Road Home Loans - Inner Melbourne

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Yellow Brick Road Home Loans - Inner Melbourne

Start your fact find

Tell us a little about yourself and we'll get you started. This is the first step before an actual home loan application - it's not a loan application itself.

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Yellow Brick Road Home Loans - Inner Melbourne
Yellow Brick Road Home Loans - Inner Melbourne
  1. 1Applicant Details
  2. 2Contact Details
  3. 3Household & Dependants
  4. 4Residential History
  5. 5Employment
  6. 6Income
  7. 7Loan Purpose & Property
  8. 8Existing Properties
  9. 9Existing Home Loans
  10. 10Assets
  11. 11Liabilities
  12. 12Credit Cards & Commitments
  13. 13Living Expenses
  14. 14Financial Goals
  15. 15Review
  16. 16Declaration & Submit

Applicant Details

Let's start with who's applying.

Please complete this to the best of your ability. If there's anything you're not sure about, feel free to text Darren directly on 0424 190 880 - or just submit as-is and we'll touch base to sort out anything missing before it goes anywhere near a lender.

Identification

Co-Borrower Details

Co-Borrower Identification

Contact Details

How we can reach you.

Co-Borrower Contact

Household & Dependants

A little about who else is in the picture.

Next of Kin

Residential History

Where you live now.

Previous Address

Since you've been at your current address less than 3 years, we also need your previous one.

Employment

Applicant 1

Previous Employer

Since you've been with your current employer less than 3 years, we also need your previous one.

Applicant 2 (Co-Borrower)

Applicant 2's Previous Employer

Since Applicant 2 has been with their current employer less than 3 years, we also need their previous one.

Income

Applicant 1, gross per year.

$
$
$
$
$
$

Applicant 2 (Co-Borrower)

$
$
$
$
$
$

Loan Purpose & Property Details

Tell us about the property (or properties) this finance is for. Add another if more than one property is involved (e.g. refinancing your current home while purchasing an investment property). Haven't found a purchase property yet? That's fine - just use a placeholder like "1 Pre-Approval St" for now.

Existing Properties

Any other property you already own - not the property this application is for. Skip this if it doesn't apply.

Existing Home Loans

Loans secured against the properties above, if any.

Assets

We've started this list with the common ones - just fill in the amounts, remove any that don't apply, and add anything else below. If there's a co-borrower, set each applicant's share for anything not simply 50/50.

Liabilities

Other loans and mortgages (credit cards go in the next step). If you already told us about a loan you're refinancing back in Property Details, you don't need to list that same loan again here.

Credit Cards & Other Commitments

Credit cards, store cards, and any other ongoing commitments.

Living Expenses

Estimated monthly expenses - used to assess loan serviceability, so please be as accurate as you can.

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$
$

This breakdown is entered as one combined household figure, even when your finances are otherwise separate - that's how it's assessed for loan serviceability.

Household

$
$
$
$
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$

Education & Childcare

$
$
$
$

Insurance & Health

$
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$
$

Transport & Property

$
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$

Other Commitments

$
$
$
Total estimated monthly expenses: $0

Financial Goals & Priorities

Help us understand what you're trying to achieve with this loan.

Review

Please check your details before submitting.

Declaration & Submit

One last step before we send this through.

Credit Guide & Privacy Consent

Yellow Brick Road Finance Pty Limited - ABN/ACN 128 708 109, Australian Credit Licence 393195. We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009.

By submitting, you declare that you are over 18, that the information you've provided is true and accurate, and that you've read and understood how your information will be collected, used and disclosed.

Read the full Privacy Policy

Applicant 2's Declaration

Thanks - your fact find has been received

We'll be in touch shortly. If you have any questions in the meantime, feel free to text Darren directly on 0424 190 880.

What to send us next

We don't need any documents through this fact find - just email them whenever you're ready to admin.inner.melbourne@ybr.com.au. No rush, and you don't need everything on this list at once - only what applies to you.

Your Income

  • PAYG - base income: two most recent pay slips, your latest Payment Summary (via myGov), and last 3 months' bank statements showing salary credits
  • PAYG - bonuses: a letter from your employer or pay slips showing bonus amounts from the last 2 years
  • Self-employed: personal and business tax returns plus Notice of Assessment for the last 2 years, and business financial statements (P&L and Balance Sheet) from the most recent financial year
  • Rental income: your current lease agreement, or a statement/letter from the managing agent

Your Identification (clear colour copies only)

  • Driver's licence - front and back (showing card number)
  • Passport - can't be accepted if expired more than 2 years, use your Birth Certificate instead
  • Medicare card (current)

Your Spending and Debts

  • 3 months' statements of your everyday/transaction account
  • 6 months' statements of any other loans - e.g. credit cards, personal loans

The Property You're Buying

  • Pre-approval: an example address is fine for now
  • Purchasing: signed copy of the Contract of Sale
  • Investment property: a letter from the real estate agent on expected rental income

Refinancing

  • Current home loan statements - last 6 months
  • Any other loan statements - last 3 months
  • If your deposit/equity is 10% or less: evidence of savings/equity over the last 3 months

Construction Loans

  • Formal build tender
  • Formal plans and specifications
  • Quotes for any "out of contract" items

Free guides to help you along the way

Thinking of buying your first home? eBook cover Thinking of Buying Your First Home? Your Guide to First Home Buyer Schemes eBook cover Your Guide to First Home Buyer Schemes The Bank of Mum and Dad eBook cover The Bank of Mum and Dad
Darren Williams
Darren Williams Yellow Brick Road Home Loans - Inner Melbourne
Yellow Brick Road
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Yellow Brick Road Finance Pty Limited ABN/ACN 128 708 109, Australian Credit Licence 393195.