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How do I submit a joint application?

Just hit the apply now button to start an application, and follow the prompts.

There are a few points to consider when applying with your plus one. In order for us to consider your application:

  • You both need to be Australian citizens or permanent residents.
  • You both need to have ID details ready (such as your Driver's Licence, Passport or Medicare numbers).
  • For a refinance application: you both need to be listed on the current property title. If you are both noted as owners on the title, you must both be applicants to the new loan. We can’t consider loans involving guarantors.
  • You both, separately, need to provide details of your individual incomes, assets, and liabilities. We will ask the primary applicant first, and the secondary applicant afterwards.
  • You both, if you live together, need to provide a considered estimate of your combined expenses. If you live in separate households, you will be asked to estimate expenses for your household.
  • You both, separately, need to provide evidence of your financial position by securely linking your bank accounts, so we can access read-only copies of your bank statements. Or, you can manually upload copies of your statements.
  • You both, separately, need to disclose the dependents you support. We'll ask the primary applicant to include dependants they support jointly with you as well as any they support independently without you. If you're the secondary applicant, you'll only need to disclose any dependents you support independently of your plus one – joint dependants will have already been disclosed by the primary applicant.

Have any questions? Chat with us before you apply.

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Legal things about our rates
Our home loans are subject to credit criteria and eligibility requirements. Home loan interest rates are for new customers only and can change. Our comparison rates are based on a $150,000 loan amount over a 25 year term. They factor in fees associated with applying for the loan; ongoing fees and fees associated with leaving the loan. Our fixed loans roll to a variable principal and interest rate at the end of the fixed term. If the interest only period is not specified, the comparison rate is calculated on a one year period.

WARNING: The comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Tiimely Turnaround
^Our turnaround times are up to 2x faster than the industry, based on a comparison of our average platform submit to approval time compared to industry submit to approval time, published here  (June 2023). Customer turnaround times are dependent on individual circumstances and may require an assessor to obtain more information.

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