👤 Guarantor #1 – Filling Out Personal Details on Financeable
This section helps us know who the guarantor is and confirm their identity. Just follow the simple steps below 👇
🔽 Select your Title
Click on the dropdown next to "Title*" and choose the appropriate title (e.g., Mr, Mrs, Ms, Dr).⚠️ This field is required. If you skip it, you’ll see a red warning like in the screenshot.
✍️ Confirm your Name Details
First name*: After generating an ASIC file this would be pre-filled for you. (e.g., DHIREN)
Other given names: Leave blank if not applicable.
Last name*: After generating an ASIC file this would be pre-filled for you. (e.g., SHAH)
✔️ Double-check spelling and use CAPITAL letters if needed for clarity.
📅 Date of Birth
Ensure the Date of Birth is in the format: DD-MM-YYYY
Example: 19-03-2010
⚠️ If this is incorrect, click the box to update it.
🆔 Enter Your Identification Details
You can either use a Driver Licence or click "Use Passport" to switch to passport details.
If using Driver Licence:
Click on the field and enter your Licence Number
Click on the field and add your Licence Card Number (if required)
Click on the field and fill in the Expiry Date (format: DD-MM-YYYY)
If using Passport
Enter Your Passport Number
In the Passport No field, type your full passport number (usually alphanumeric).
📝 Make sure it matches exactly what's shown on your physical passport.
Enter the Passport Card Number (if applicable)
Some countries issue a separate passport card number.
If yours doesn’t have one, you can leave this blank.
Enter the Passport Expiry Date 📅
Use the format: DD-MM-YYYY
Example: 15-09-2030
Make sure your passport is not expired at the time of submission!
Review Before Proceeding ✅
Double-check all fields for accuracy. Once everything looks good, you're ready to move on.
💡 Quick Tip:
If you accidentally clicked "Use Passport" but meant to enter licence info, just click "Use Licence" (in purple text) to toggle back .
🌍 Select Your Residency Status
Choose the button that applies to you:
Australian Citizen 🇦🇺
Permanent Resident
New Zealand Citizen 🇳🇿
Working Visa
Student Visa 🎓
✅ Click once to select — the selected option will stay highlighted.
💍 Marital Status
Choose one:
Married/De Facto 💑
Single / Divorced / Widowed
📝 Just click the button that matches your current status.
💡 Reminders:
Fields with a * are mandatory.
If something doesn’t apply to you, it’s okay to leave it blank (unless marked with a *).
Make sure all dates are in DD-MM-YYYY format.
You can click “Remove” on the left if the person is no longer a guarantor.
📇 Contact Details – Entering Your Contact Info
📝 Step-by-Step Instructions:
📧 Email
Click on the text box and enter your personal or business email address (e.g., [email protected]).
📱 Mobile Number
Click on text box and type your Australian mobile number (e.g., 0412 345 678).
Numbers only, no need for spaces or dashes.
🏠 Current Address
You’ll see an Address field (e.g., UNIT 6 99 EASTERN VALLEY WAY CASTLECRAG NSW 2068).
If this is incorrect or incomplete:
Click the box and update it using the dropdown search tool.
Type slowly and select your full address from the suggestions that appear.
📍 Make sure it includes unit/street/suburb/state/postcode.
🏠 Manually Adding a Current Address – Step-by-Step Guide
If the address dropdown doesn’t show your exact location or if you'd rather just type it yourself, you can enter it manually. Here's how 👇
🔹 Step 1: Click "Add Address Manually"
You’ll see this button under the Address field in purple:
👉 ADD ADDRESS MANUALLY
Once clicked, a detailed address form will appear.
🔹 Step 2: Fill in Each Field Carefully
Field | What to Enter |
Unit number | Click on field and input apartment or unit number (leave blank if none) |
Street number | Click on field and type number of the property (e.g., 99) |
Street Name | Click on field and type street name only (e.g., Eastern Valley Way) |
Street Type | Click on field and select from the dropdown (e.g., Alley, Access) |
PostCode | 4-digit postcode (e.g., 2068) |
City | Suburb or locality (e.g., Castlecrag) |
State | Click and choose from dropdown (e.g., NSW, VIC, QLD) |
Country | Click on dropdown list and choose country |
🔹 Step 3: Add How Long You’ve Lived There
Click on the dropdown list for:
Years at 🕐
Months at 🕐
Example: 2 years and 4 months
🔹 Step 4: Save the Address
Once all fields are filled, click SAVE ADDRESS (button will become active).
Optional: Use Google Search Instead 🧑🏼💻
If you prefer not to type everything:
Click USE GOOGLE ADDRESS SEARCH to go back to the faster method.
Just type your address and select it from the dropdown suggestions.
Privacy Agreement
Before you can run a credit check, the guarantor must sign a privacy consent form.
✍️ Two Ways to Do This:
Option 1: Get Signed Privacy (Self-Service Option)
🚫 This button is greyed out if you haven’t entered the guarantor’s email + mobile yet.
Once those fields are filled, this button becomes active.
Click it to send a digital signing link to the guarantor.
They'll receive a secure form to e-sign the privacy agreement.
Option 2: Upload Signed Privacy
📤 If you already have a signed form (PDF, scan, etc.):
Click Upload sign privacy on the right.
Choose the file from your computer.
Done! ✔️
Credit Profile
This is where you select the type of credit file you want to retrieve 📊
📌 Credit Score Type Options:
Option Names |
Equifax Commercial Apply 2.0 Comprehensive Commercial + Consumer (Primary) |
Equifax Commercial Apply 2.0 Negative Commercial + Consumer (Secondary) |
VedaScore 1.1 Negative Commercial + Consumer (Secondary) |
Equifax One Score 1.0 Comprehensive Consumer + Commercial |
Equifax Apply 2.0 Comprehensive Consumer + Commercial |
Equifax Apply 2.0 Negative Consumer + Commercial |
Equifax One Score 1.0 Comprehensive |
Equifax Apply 2.0 Comprehensive Consumer |
Equifax Apply 2.0 Negative Consumer |
VedaScore 1.1 Negative Consumer |
👉 Clicking on the dropdown box gives you access to more Credit Score Type Options however if you are on Commercial Application or Consumer Application then the Credit Score Type will be pre-filled for you based on the type of application.
👉 If you wish to view an extended list of credit score type options, click on the dropdown box on the right hand side of the box and choose your desired option.
Personal Profile
🏡 Property / Living Arrangements
Select your current housing situation by clicking one of the buttons:
Property Owner – Click on Property Owner if customer is a property owner
Renting – Click Renting if customer is renting a property
Boarding – Click Boarding is customer is sharing home with others
Living w/ Parents – Click living w/parents if customer stays at family home
🔄 The selected option will remain highlighted.
🙎♂️Number of Dependents
Use the slider to select how many dependents you financially support (e.g., children, elderly parents).
Slide the circle on the bar
Personal Finances 💰
💰 Assets
Asset Type
Click the dropdown and select from options like Investments, Superannuation, Motor Vehicle, etc.
2.Value
Click on the field and enter the estimated dollar value of the asset (e.g., 25,000 for a car).
3. Description
Click on the field and add a short note (e.g., “2017 Toyota Corolla” or “Term deposit at CBA”).
✅ Once done, click Add Asset to save the entry. You can add multiple assets if needed and remove them also if needed.
💳 Liabilities (What You Owe)
Liabilities Type
Choose from options like Credit Card, Personal Loan, Mortgage, etc.
2. Value
Click on the field and enter the estimated dollar value of the asset (e.g., 25,000 for a car).
3. Description
Click on the field and add a short note (e.g., “2017 Toyota Corolla” or “Term deposit at CBA”).
✅ Once done, click Add Asset to save the entry. You can add multiple assets if needed and remove them also if needed.
💳 Liabilities (What You Owe)
Liabilities Type
Choose from options like Credit Card, Personal Loan, Mortgage, etc.
2.Outstanding Amount
Click on the Outstanding Amount field and enter what the customer still owe (not the original loan amount).
3. Limit
Click on the Limit field and add the full credit limit or loan cap
4. Financier
Click on the financier text field and name who provided the loan or credit (e.g., NAB, ANZ, Commbank)
5. Repayment Frequency
Select how often you make repayments (e.g., Weekly, Fortnightly, Monthly).
Click the dropdown box and a list of options will be displayed below. Click the appropriate option
6. Repayment Amount
Click on the repayment amount field
Enter appropriate value
7. Description
Click on description filed to add any notes to clarify the liability (e.g., “Credit card for household use”).
✅ Click Add Liability if you wish to record more liabilities.
🚫 Click on Remove Liability if you wish to remove liabilities.
Personal Profile – Renting
Once “Renting” is selected, two new fields appear below:
📞 Landlord or Agent Contact Number
Click on Contact number field and enter the phone number of landlord or real estate agent.
Format: Australian mobile or landline (e.g., 0412 345 678 or 02 9876 5432)
💸 Monthly Rent Amount
Click on rent amount month and type current monthly rent (e.g., 1800)
No dollar signs needed – just the numbers.
👉 Only numbers and decimal points allowed.
Identity – Verifying Your ID Documents
Option 1: Get ID Documents via OCR Labs (Self-Service)
⚠️ This button will only work after a valid mobile number is entered under contact details.
Once the mobile number is filled in, the “Get ID documents” button becomes active.
Click the button to send a secure self-service link to the customer.
The customer receives an SMS to upload their ID using their phone camera.
Option 2: Upload ID Documents Manually
If the customer already sent you ID files (e.g., scanned licence or passport):
Click the Upload ID documents button on the right.
Choose the files stored locally on your computer.
Make sure the files are:
Clear and readable
Unexpired
In PDF, JPEG, or PNG format
🛑 Common Errors to Avoid:
Missing mobile number (prevents self-service link)
Blurry or cropped documents
Expired IDs