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The Mortgage Girls Lending Application
Online Form
Where possible please complete your lending application in Google Chrome. If your're using a phone or tablet you can download Google Chrome from your app store.
Step
1
of
13
- Applicant 1
7%
Is this a Joint application?
*
Yes
No
Privacy Statement
*
I have read the privacy statement
By completing this form you understand we are collecting information about you. Please read our privacy statement to understand how we use and share that information.
Our Privacy Statement can be found here
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What is the purpose of your application?
*
First Home Loan
New owner occupied home
Build a home
Investment Purchase
Sell and Buy
Sell and Build
Topup
Debt consolidation
Renovations
Commercial lending
Other
If you selected other above, please note the purpose below
What is your desired purchase price?
Approx. is fine, or welcome to leave a comment e.g. currently unknown or after maximum approval. For topups or debt consolidation please advise the amount of lending required.
Please advise if this application is for the attention of anyone in our team
Elyce Peters
Laura Carter
Louise Taylor
Michelaé Reeve
Xanthe Dunford
Have not spoken to anyone to date
Have spoken to someone in facebook
Applicant 1
Title
*
First name (s)
*
Last name
*
Date of birth
*
Day
Month
Year
What is your martial status?
*
Married
Defacto
Single
Widowed
Number of dependants
*
Ages
*
Where is you country of birth?
*
New Zealand
Are you an NZ Citizen / Permanent NZ Resident?
*
Yes
No
If no please supply your work permit expiry date
*
Day
Month
Year
Contact details
What is your preferred method of contact?
*
Phone
Email
Don't mind
Contact phone number
*
Email
*
Current residential address
*
Suburb
City
Region
Postcode
What is your current residential status?
*
Own home (with home loan)
Own home (freehold)
Renting
Boarding
With parents
Caravan
How long have you lived at your current address?
*
Less than 3 years
3 years or more
How many months have you lived at your current address?
Previous residential address
*
How many months did you live at your previous address?
Suburb
City
Region
Postcode
Employment details
Current occupation
*
Employer name
Employment type
Full time
Part time
Self employed
Income amount
Income
Gross (before tax)
Net (after tax)
Income received per
Week
Fortnight
Month
Year
Additional Income
Income Type
$ Amount
Frequency
If applicable please provide details of any other income received including rental income, working for families and IRD family tax credits.
How long have you been employed by your current employer?
*
Less than 3 years
3 years or more
How many months have you been employed in your current job?
Previous occupation
How many months were you employed in your previous job?
Previous employer name
Previous employment type
Full time
Part time
Self employed
Applicant 2
Title
*
First name (s)
*
Last name
*
Date of birth
*
Day
Month
Year
What is your martial status?
*
Married
Defacto
Single
Widowed
Number of dependants
*
Ages
*
Where was your country of birth?
*
New Zealand
Are you an NZ Citizen / Permanent NZ Resident?
*
Yes
No
If no please supply your work permit expiry date
*
Day
Month
Year
Contact details
What is your preferred method of contact?
*
Phone
Email
Don't mind
Contact phone number
*
Email
Current residential address
*
Suburb
City
Region
Postcode
What is your current residential status?
*
Own home (with home loan)
Own home (freehold)
Renting
Boarding
With parents
Caravan
How long have you lived at your current address?
*
Less than 3 years
3 years or more
How many months have you lived at your current address?
Previous residential address
*
How many months did you live at your previous address?
Suburb
City
Region
Postcode
Employment details
Current occupation
*
Employer name
Employment type
Full time
Part time
Self employed
Income amount
Income
Gross (before tax)
Net (after tax)
Income received per
Week
Fortnight
Month
Year
Additional Income
Income Type
$ Amount
Frequency
If applicable please provide details of any other income received including rental income, working for families and IRD family tax credits.
How long have you been employed by your current employer?
*
Less than 3 years
3 years or more
How many months have you been employed in your current job?
Previous occupation
How many months were you employed in your previous job?
Previous employer name
Previous employment type
Full time
Part time
Self employed
Statement of position
In this section we ask you about your current financial position.
Assets
Money at Bank/Other
Institution
$ Value
Property
Address
Approx market value
Shares
Description
$ Value
Motor Vehicles
Please list all vehicles you currently have.
Description
$ Value
Superannuation
Provider
$ Value
Contents
Please provide estimated value of your home contents and personal belongings (if unsure a good tip is to use the value of your contents insurance)
$ Estimated Value
Other assets / investments
e.g value items such as boats, antiques, caravans etc
Item
$ Value
Breakdown of deposit if application is for purchasing a home
Are you able to please advise what funds will make up your deposit for example items such as; kiwisaver, savings, any gifting
Liabilities
In this section we ask you about your current liabilities.
Overdraft
Institution
$ Limit
$ Amount owing
Home Loan
Institution
Fixed / Floating / Limit
$ Amount owing
Repayment
Weekly/Monthly/Fortnightly
Personal loan
Institution
$ Amount Owing
$ Repayment Amount
Weekly/Fortnightly/Monthly
Purpose of loan
Credit card
Institution
$ Limit
$ Amount owing
Paid in full each month? Y/N
Store Card, Laybuy, Afterpay or Oxipay Style Accounts
Institution
$ Limit
$ Amount owing
Paid in full each month? Y/N
Hire Purchase
Institution and Purpose of Loan
$ Repayment Amount
Weekly / Fortnightly / Monthly
$ Amount owing
Revolving Credit
Institution
Fixed / Floating / Limit
$ Amount owing
Other finance
e.g. Student loan
Description
$ Amount owing
Credit History Information
Please advise of any defaults/collections/bankruptcies/insolvencies/non-asset or alternatives.
Criminal Convictions Information
Please advise if you have any criminal convictions. Please note criminal convictions can effect your ability to acquire finance and home insurance on a property. In particular we need to know about any convictions related to fraud.
Future financial circumstances
*
Do you plan or anticipate any changes (other than retirement) to your future financial circumstances that could adversely impact your ability to repay a loan? Here are some examples; having a baby, changing jobs, studying, lending for a vehicle?
No anticipated changes expected or planned
Yes I have anticipated changes exepected or planned - please add comments at the end
Expenses
In this section we ask you about your current expenses. Future cost expectations refer to the amount you expect this expense or cost to increase or reduce if your lending was approved. For example, KiwiSaver reductions being reduced from 10% to 3% or currently been dining out a lot because you have no other commitments expect to reduce this in half when purchasing a home or increasing lending.
Children - Childcare, Childsupport and Schooling
Expense
Reason for no expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost expectations
Reason for expected change
If you have 1 or more dependents. Please advise advise how much childcare, child maintenance, child support, education and/or school fees you incur. If you do not incur any costs please not a reason e.g. no childcare costs as family look after them whilst you are at work. You can add more rows by hitting the plus symbol to break the costs down.
Groceries
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise how much you spend weekly on groceries.
Dining out
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise how much you spend regularly dining out, eating out, takeaways and/or uber eats
Household costs - Electricity / Gas
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise monthly electricity cost. NOTE: If you also use gas please add a line using the + symbol to advise your regular gas bill amount
Household Costs - Rates / body Corporate Expenses
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise how much your spend on rates, body corporate expenses and/or water rates. You can use the plus drop down boxes to break up the expenses.
Insurance Expenses
Type of Insurance
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise any insurance costs such as vehicle, contents, house, medical, life, pet or other. You can you the + symbol to add more lines and break down the insurance expenses.
Investment Property Expenses
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise any expenses for your investment property if applicable including rates / insurance
Medical Costs
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise if you have regular medical or natural therapy costs. You can use the + symbol to add more rows.
Rent or Board
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise any repayments you have for rent or board - please advise if inclusive or exclusive of power/phone.
Personal Care
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise how much you regularly spend on items such as clothing & footwear, cosmetics, dry cleaning and other personal care. You can use the + symbol to add additional rows
Recreational & Entertainment
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise how much you regularly spend on items such as pets, alcohol, tobacco, cinemas, concerts, memberships, gym/sports, travel, holidays, gifts, gambling and miscellaneous
Mobile, Internet & Pay TV
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise any expenses such as internet costs, mobile phone costs, Netflix, iTunes or any other subscriptions incurred regularly
Transport Expenses
Transport Cost
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise any expenses such as public transport, vehicle lease, vehicle petrol/diesel costs, vehicle maintenance and registration costs >> you can use the plus symbol to add more lines and break down the costs.
Miscellaneous Expenses
Expense
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise any expenses such as regular donations, tithings or any other expenses you may incur regularly - you can use the + to create more lines.
KiwiSaver
Name
% Paid
$ Amount
Weekly/Fortnightly/Monthly
Future Cost Expectations
Reason for expected change
Please advise advise the percentage paid to KiwiSaver along with approx regular amount. For joint application please use the + symbol to create more lines and separate both parties kiwisaver payments.
Savings
Name
$ Amount
Weekly/Fortnightly/Monthly
Future Savings
Please advise how much you currently regularly save and what amount you intend to continue to save upon obtaining your loan.
Please advise if any of the applicants have a work &/or business vehicle or phone
Applicant 1 has a work vehicle
Applicant 1 has a work phone
Applicant 2 has a work vehicle
Applicant 2 has a work phone
All phone/vehicle expenses are covered through business
No work vehicle or phone
Additional Information
In this section we ask you some additional information required to support and understand your application.
What bank(s) do you currently bank with?
Please advise the bank where your income is deposited, along with any other banks you bank with.
Are you happy with your current bank?
Yes
Please advise in other why you are unhappy with your bank if applicable
Are there any lenders that you particularly like or do not like to deal with?
Help us understand what bank features are important to you?
Please tick as many boxes as applicable. You are also welcome to leave comments in the comment box at the end also if there is anything additional you would like to add.
Great Support
Competitive Interest Rates
Advanced Digital Services
Weekend Branches
24/7 Call Centre
New Zealand Owned
Ethical Banking
Low Deposit Home Loan Options
First Home Loan
The Highest Purchase Price Achievable
Good Construction Policies and Processes
Good healthy home policies including discounts or special lending for heating and solar panels
Lending options for credit impaired
Second or third teir lending options
Self-employed / Business lending based off forecasts
Self-employed / Business lending without up to date-financials
Other - please advise in comments at end of application
Help us understand what lending features are important to you?
Thinking about your desired loan to be, are there lending features you would like considered in your application? Please tick as many boxes as applicable. You are also welcome to leave comments in the comment box at the end also if there is anything additional you would like to add.
Fixed interest rates are important to me, in order to ensure my payments are locked in for a certain period of time.
Floating interest rates are important to me, I would like to ride the market highs and lows
I would like to be able to make lump sum repayments
Variable / flexible mortgage
Redraw facilities
Interest only
Ability to repay early without fees
I would like to offset savings against lending
A shortened lending term
Air-points / Rewards
Other - please advise in comments at end of application
Goal Setting - What are your short term goals
We are very excited to be apart of this home buying journey with you, helping to understand your short and long term goals will help us to ensure we are looking for the best finance to suit your requirements.
Purchase a first home
Purchase an investment
Consolidate debt
Travel
Goal Setting - What are your long term goals
We are very excited to be apart of this home buying journey with you, helping to understand your short and long term goals will help us to ensure we are looking for the best finance to suit your requirements.
Use equity in home to purchase an investment
Be mortgage free
Upsize home
Have you been a director of a business or been self-employed in the past 7 years
Please help us to understand your previous business or self-employed history
No
Yes - Business continues to operate
Yes - Business is closed / no outstanding debts or liabilities
Planning your retirement - Question 1, What is your intended retirement age?
Please help us to understand your future financial plans.
65-70
70-75
75+
Planning your retirement - Question 2, Do you intend to retire in less then 30 years?
Please help us to understand your future financial plans.
Yes
No
Planning your retirement - Question 3, Are you able to please select from the following or advise through the other tab your intentions with your finances moving forward to retirement?
For applications where one or more borrowers are 41 years + lenders require a little bit more information in order to understand what is known as your exit or retirement strategy to understand your future financial plans.
I intend to have the loan term shortened to be repaid prior to retirement
I intend to sell and downsize upon retirement
I intend to sell other assets to repay the mortgage prior to retirement
I intend to repay my mortgage with my superannuation or kiwisaver upon retirement
I intend to continue my mortgage repayments with help from reoccurring superannuation upon retirement
I intend to have minimal mortgage upon retirement in which super payments would be able to cover and still afford everyday living
I intend to continue in part-time employment upon retirement to support any mortgage repayments
Insurance
In this section we ask you about your current insurance policies.
Please provide details on your current insurance policies
e.g. health/medical, life, mortgage/income protection, house,contents,vehicle
Description
Provider
When was the last time you reviewed your personal insurance policies?
Within 6 months
Within 12 months
> 1 Year
I don’t have any
Supporting documents
There are some documents we will require to support your application, The Mortgage Girls will send you a file-invite within 24 hours outlining the documents we would require to support your application. A full lending application checklist can be found under the resources tab.
Confirmation
Are there any further notes or comments you would like to add?
How you heard about the mortgage girls?
From friends or family
Facebook
Radio
Signage
Google
Other
Please confirm you have read and understood the important information about us and how our business works? This link includes our Disclosures, Terms of Engagement and Privacy Policy which is avaliable for you to access and read online anytime.
*
Important information about us and how our business works
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Yes