Home Loan Application Form Template

A Broker Can Only Match What They Can See

A mortgage broker’s product is judgment across dozens of lenders — and judgment runs on intake. The buyer who simply says ‘we want a mortgage’ gets a generic answer; the buyer whose brief reveals a first-home purchase, a family guarantor on the table, and a self-employed income shape gets a match no single bank’s own form would have produced. The brief is where the broker’s value begins.

This form is that brief. It is deliberately not the lender’s application — no lender is chosen yet. It is the picture that decides which lenders are even worth approaching.

The Match Inputs

• The goal. First home, next home, investment, construction — a multiple choice that reframes everything downstream, because lenders price these four buyers differently.
• The numbers so far. Price band being considered, savings toward the purchase, and the comfortable monthly repayment — the third figure is the honest one buyers rarely volunteer in conversation.
• The income shape. Employed, self-employed, or mixed — held light at this stage. Self-employment changes which lenders are friendly long before any figure is verified.
• The constraints. Timeline, must-close-by dates, and anything immovable — a date field for the deadline that actually exists.

Schemes and Supports

This section is the brief’s sharpest edge. First-home programs, deposit guarantees, stamp-duty concessions, regional incentives — every jurisdiction runs some, every program has eligibility edges, and buyers routinely don’t know what they qualify for. A short eligibility block — first home before? property value band? buyer type? — tells the broker which doors exist. The buyer who answers these questions sometimes saves more than the commission costs.

The Guarantor Question

Family guarantor structures can transform a purchase — and the topic is awkward to raise in person. The form raises it neutrally: a yes/no on whether family support as guarantor is possible, with a line for context. A maybe, captured early, lets the broker run both scenarios.

The Scenario Section

One generous long text field: describe the ideal outcome — including the version where things go better than expected. Brokers price scenarios, not single requests, and this field is where the interesting scenarios live.

The completed brief lands with an automatic confirmation to the buyer covering the first-meeting agenda, and returning clients update via recall rather than re-telling. The wider origination toolkit sits in the business forms collection.

Frequently Asked Questions