A1 Total Income$0
A2 Total Income$0
Combined Income$0
Personal Information — Applicant 1
Income — Applicant 1 (Annual, Gross)
Bank Assessment NoteMost lenders shade or exclude certain income types. Include all income; we will apply correct shading during assessment.
Second applicant not enabled. Tick "Include a second applicant" above to complete Applicant 2 details.
Personal Information — Applicant 2
Income — Applicant 2 (Annual, Gross)
A1 Total Assets$0
A2 Total Assets$0
Combined Assets$0
Enable second applicant on Step 1 to complete Applicant 2 assets.
Real Property — Applicant 2
Financial Assets — Applicant 2
Other Assets — Applicant 2
A1 Total Liabilities$0
A2 Total Liabilities$0
Net Position (so far)$0
Important: Credit card liabilities are assessed on the total limit (not balance) by most lenders. Please enter the full limit for all cards.
Credit Cards & Lines of Credit
Business Liabilities (if self-employed)
Enable second applicant on Step 1 to complete Applicant 2 liabilities.
Applicant 2 — Liabilities
Total Monthly Expenses$0
Monthly Debt Repayments$0
Est. Monthly Surplus$0
HEM Benchmark: Lenders will apply the Household Expenditure Measure (HEM) if declared expenses fall below benchmark. Be thorough — it improves accuracy of your borrowing capacity assessment.
Food & Household (Monthly)
Health & Insurances (Monthly)
Family & Children (Monthly)
Utilities & Subscriptions (Monthly)
Lifestyle & Entertainment (Monthly)
Financial Commitments (Monthly)
Enable second applicant on Step 1 first. If expenses are combined household, enter all under Applicant 1.
Note: Only complete Applicant 2 expenses if they are genuinely separate from Applicant 1. Most assessors use combined household expenses.
Separate Monthly Expenses — Applicant 2
Combined Income
Applicant 1 — Total Gross Income (p.a.)$0
Applicant 2 — Total Gross Income (p.a.)$0
Combined Total Income (p.a.)$0
Assets & Liabilities
Total Assets — Applicant 1$0
Total Assets — Applicant 2$0
Total Liabilities — Applicant 1$0
Total Liabilities — Applicant 2$0
Combined Net Position
$0
Total Assets minus Total Liabilities
Monthly Cashflow (Estimated)
Est. Net Monthly Income (after tax, ~67%)$0
Total Monthly Debt Repayments$0
Total Monthly Living Expenses$0
Estimated Monthly Surplus / Deficit
$0
After all debts and expenses
Declaration
- All information provided is true and correct to the best of my knowledge and belief
- I have not withheld any material information that could affect this assessment
- I authorise Mortgage & Finance Advisory to verify the information provided and to obtain a credit report if required
- I understand this Statement of Position is a financial snapshot only and does not constitute a loan approval or commitment
- I will promptly notify Mortgage & Finance Advisory of any material change to my financial circumstances
- This information is collected in accordance with MFA's Privacy Policy and the Privacy Act 1988 (Cth)
