Speaker A: Good morning, thanks for calling. How can I help you today?

Speaker B: Hi, I'm looking to refinance my home loan. My name's Sarah Mitchell.

Speaker A: Great, thanks Sarah. Can I get your contact details?

Speaker B: Sure, my mobile is 0412 345 678 and email is sarah.mitchell@email.com

Speaker A: Perfect. And what's the address of the property you're looking to refinance?

Speaker B: It's 42 Harbour Street, Manly, New South Wales, 2095. We've been there about 6 years now.

Speaker A: And do you know the current value and what you owe on it?

Speaker B: We had it valued recently at about 1.8 million. We still owe around 650,000 with Commonwealth Bank.

Speaker A: Okay, and what are you hoping to achieve with the refinance?

Speaker B: Mainly better rates. We're also thinking of doing some renovations, so maybe pull out about 100k in equity if possible.

Speaker A: Sure. Can you tell me about your employment situation?

Speaker B: I work full-time as a marketing manager at Telstra. Been there 4 years. My salary is 145,000 plus I usually get around 15k in bonuses.

Speaker A: Great. Is this a joint application?

Speaker B: Yes, my husband David Mitchell will be on it too. He's a software engineer at Atlassian, earns about 180,000. He's been there 3 years.

Speaker A: Perfect. Do you have any other debts I should know about?

Speaker B: We have a car loan with about 25k left, paying 600 a month. And a credit card with a 10k limit but we pay it off each month.

Speaker A: Any dependents?

Speaker B: Yes, two kids - 8 and 5 years old.

Speaker A: Great. What sort of loan features are you looking for?

Speaker B: We'd like an offset account. Probably variable rate, maybe fix a portion. 30 year term is fine.