LendingPlace — Needs Analysis (Fact Find Part 2)

Session Details

Date of Interview

Adviser Name

Client 1 Full Name

Client 2 Full Name (if joint)

How Can We Help You?

Ask the client to explain in their own words why they have come to see you and what they would like to achieve. Listen and capture their language — this becomes the basis for your credit proposal narrative.

Client's stated reason for seeking assistance

Any other issues the client would like to discuss

Client Goals

Short term — within 2 years

Medium term — 2 to 5 years

Long term — more than 5 years

Specific Financial Goals

Goal	Timeframe	Estimated Cost

Transaction Type

What are we doing?

Purchase Refinance Pre-approval only Land / Construction

Purchase Details

Security / Property Address

Property Type

Purchase Price

Purchase Costs (stamp duty etc.)

Deposit / Contribution

Gifts / Grants / Other

Expected Rent pw (if investment)

Total Credit Required

How long keep the property?

Finance Due Date

First Home Buyer?

Name(s) on Contract

Purchase Notes

Refinance Details

Security Address

Reason for Refinancing

Estimated Current Value

Payout Figure

Additional Funds Required

Refinance Costs

Finance Required By

Term Extended?

Property Type

Refinance Notes

Compliance — Personal Questions

These questions are mandatory for compliance. All answers must be recorded. If Yes — capture details in the notes field.

Do you expect any changes to your assets, liabilities, or income in the future?

Yes No

Have you experienced financial difficulty or missed any payments in the last 2 years?

Yes No

Are you aware of any adverse credit or matters impacting your credit score?

Yes No

If first home buyer — do you have a record of genuine savings in the last 12 months?

N/A Yes No

Nearest Relative / Emergency Contact

Client 1

Name

Relationship

Phone

Address

Mother's Maiden Name (identity verification)

Client 2

Name

Relationship

Phone

Address

Mother's Maiden Name (identity verification)

Client Priorities

What is most important to you in our recommendation?

Priority notes / other details

Attitude towards interest rate fluctuations

Concerned Slightly concerned Not concerned

Protecting Your Financial Position

Whose income is the credit facility and lifestyle dependent upon?

Client 1 Client 2 Both equally

Could you maintain commitments and lifestyle if unable to earn an income?

Yes No

Action taken / insurance discussed

Additional Information — Compliance Disclosures

Refinance — Debt Consolidation (complete if applicable)

Will existing credit card limits be reduced or cancelled?

Yes No N/A

Client understands they may pay more interest if they incur further credit card / personal loan debt after consolidating

Yes — discussed and understood N/A

Refinance — Asset Purchase (complete if applicable)

Client understands that purchasing the asset over the loan term means they may pay for goods beyond their lifespan and pay more interest

Yes — discussed and client wishes to proceed N/A

Loan Term Exceeds Retirement Age (complete if applicable)

Repayment of loan prior to retirement Downsizing home Sale of assets Recurring income from superannuation Superannuation lump sum following retirement Savings Income from other investments Co-applicant's income Other

Retirement strategy notes

Future Changes to Circumstances

Potential Change	Strategy to Meet Repayments	Impact Period	Financial Impact PM
Extended unpaid leave (e.g. parental)
Reduced income
End of contract / loss of employment
Leaving employment
Increased repayments on existing loans
Large expenditure
Medical treatment / illness
Other

Declaration

I/We hereby confirm that we have reviewed this document and that the information contained within is a true, correct, and accurate reflection of our needs, goals, and objectives. I/We confirm we benefit from this financial transaction.

Client 1 — verbal confirmation obtained

Client 2 — verbal confirmation obtained

Broker notes — session summary

Session Summary — Ready to Save or Print

This summary captures all information entered during the session. Use Print / PDF in the top bar to save as a PDF for the client file in Google Drive. File naming suggestion: YYYY-MM-DD_ClientName_NeedsAnalysis.pdf