start your journey
Choose your application
Select the option that fits your situation – apply alone or with a co‑borrower.
Single Applicant
Perfect if you're applying for a loan on your own. Only your income, assets, and employment history will be assessed.
- Individual income & employment
- Single asset declaration
- Faster processing
- 3‑year residential & employment history required
Joint Application
Apply with a partner, spouse, or co‑borrower. Combine incomes and share liabilities for a stronger application.
- Combine two incomes
- Shared address & expenses
- Both applicants need 3‑year employment
- Higher borrowing capacity
Need help deciding?
Our mortgage brokers are here to guide you. Call us on 0412 211 928 or book a free assessment.
Book a free consultation →