Client Fact Find and Needs Analysis Form

Captures a mortgage borrower's requirements, objectives, and financial situation with supporting documents to support responsible-lending evidence and advice suitability.

Submission Notice and Consent

• I consent to the collection and use of my personal and financial information for mortgage fact finding, needs analysis, affordability assessment, and audit trail purposes.
• Preferred contact method
• Preferred contact time
• Anything we should know before reviewing your application?
  Use this for brief context only. Do not include sensitive information unless it is relevant to your mortgage needs.

Client and Household Details

• Full name
• Date of birth
• Email address
• Phone number
• Marital status
• Number of dependants

Property and Mortgage Objectives

• What best describes your mortgage need?
• How will the property be used?
• Property status
• Estimated property value
• Loan amount requested
• Preferred mortgage term (years)

Income and Employment

• Employment status
• Employer name
• Job title
• Annual gross income
• Additional annual income
  Include bonuses, overtime, rental income, maintenance, or other regular income if it will be used in affordability assessment.
• Income notes
  Use this to explain variable income, recent changes, or any supporting context.

Financial Situation

• Current monthly housing cost
• Estimated monthly living expenses
• Existing mortgage balance
• Total monthly debt repayments
• Other liabilities
  List any other commitments that may affect affordability, such as maintenance obligations, loans, or credit commitments.
• Available deposit or equity

Deposit Source and Supporting Documents

• Source of deposit or equity
• Upload supporting documents
  Examples: payslips, bank statements, tax calculations, proof of deposit, ID documents, or existing mortgage statements.
• Document notes
  Add any context about the documents uploaded, including missing pages or explanations for unusual transactions.

Needs Analysis and Advice Objectives

• Primary objective
• Interest rate risk tolerance
• Repayment preference
• Special requirements or accommodation needs
  Include any reasonable accommodation, accessibility, language, or communication needs that should be considered during the advice process.
• Additional advice notes
  Use this to record any important context, preferences, or constraints relevant to the recommendation.