What Information Will We Ask For?
When you meet with us, our aim is to make the conversation clear, productive, and focused on what actually matters to you.
To do that, we’ll ask for some information about your situation — not to overwhelm you, but to understand where you’re at and how we can best help.
You don’t need to have everything perfectly organised. Even approximate figures are often enough for an initial discussion.
Your Personal Details
We’ll start with some basic details, such as:
- Whether you’re applying on your own or with someone else
- Your residency status
- Your current living situation
This helps us understand eligibility and which lending options may be available.
Your Income
Income is a key part of understanding borrowing capacity.
We’ll ask about:
- Your employment type (full-time, part-time, casual, or self-employed)
- Your approximate income
- Any additional income sources
If your income varies, that’s okay — we’ll talk through how lenders usually assess it.
Your Living Expenses
Lenders don’t just look at what you earn — they also look at how you spend.
We’ll ask about your general living expenses, such as:
- Household costs
- Transport and lifestyle expenses
- Subscriptions or regular commitments
This helps us assess affordability and ensure recommendations are realistic and sustainable.
Your Existing Debts
Any current debts affect borrowing capacity.
We’ll ask about:
- Credit cards (even if they’re not used)
- Car or personal loans
- Buy now, pay later facilities
- Any existing home or investment loans
Being open here helps avoid surprises later and allows us to give accurate guidance.
Your Savings and Deposit
Your savings position plays a major role in loan structure.
We’ll ask about:
- Your current savings
- How long you’ve been saving
- Any additional funds, such as gifts or equity
This helps us explain deposit options, interest rates, and whether lenders mortgage insurance (LMI) may apply.
Your Goals and Timeframes
Numbers are important — but so are your plans.
We’ll ask what you’re trying to achieve, such as:
- Buying your first home
- Upgrading or downsizing
- Refinancing an existing loan
- Planning for the future
Understanding your goals helps ensure the loan structure suits you not just now, but longer term.
Property Details (If Applicable)
If you already have a property in mind — or you’re refinancing — we’ll ask for basic property details.
This might include:
- Estimated purchase price
- Property type and location
- Existing loan details (for refinances)
If you don’t have a property yet, that’s completely fine.
What We Don’t Expect
You don’t need:
- Perfect credit
- Every document ready
- A property already chosen
- All the answers
Our role is to help you work through the process — not test how prepared you are.
Why We Ask for This Information
The more clearly we understand your situation, the better the guidance we can provide.
Accurate information helps us:
- Assess borrowing capacity realistically
- Explain suitable loan options
- Avoid surprises later in the process
How Chase Approaches These Conversations
Chase Douglas has extensive experience helping clients at all stages — from early planning to active applications.
The focus is always on clarity, preparation, and making sure you feel comfortable before any decisions are made.
Ready to Start the Conversation?
You don’t need to have everything perfect — you just need to be open to the discussion.
👉 Book a meeting with Chase Douglas and we’ll guide you through what matters, step by step.
Good outcomes start with clear conversations.
