The first step in choosing a home loan and subsequently applying for a home loan is to gather personal details for each applicant and guarantor if applicable as follows.

• Title
• Surname
• First Name
• Middle Name
• Date of Birth
• Gender
• Driver Licence Number
• Marital Status
• Number of dependants per application and their ages
• Home Phone
• Work Phone
• Mobile Phone
• Email
• Residential address/s for the past 2 - 3 years
• Occupation
• Employment type, self employed or employed wages/salary
• Employment basis, full time, part time or casual
• Employment history for past 2 - 3 years
• Identification, which is usually a birth certificate or passport and a driver licence

Certain lenders may require additional information such as mothers maiden name, a referee or the name address and contact details of the nearest relative not living with the applicant/s.

Next we need to gather information on all libilities for each applicant.