Lenders typically require similar documents when assessing loan applications. Having these ready can streamline the process and help you get approved faster.
To keep the process moving forward, bring the documents listed below to your meeting with your broker.
This is a general checklist – some may not apply to you and we can help you figure out which ones you need.
A current Passport or Birth Certificate.
Drivers Licence – please note if these documents are in your maiden name, you will also need to provide a copy of your Marriage Certificate.
Other documents that will be useful: Medicare card, Credit card, ATM/Debit card, Council Rates Notice, Pensioner Concession card, Health Care card, Tertiary Student ID card.
Documentation on your existing loan including the date the loan commenced, loan period and any financial penalty payable if you exit the loan early.
Statements for the last six months for any existing home loans and personal loans.
The most recent Council Rates Notice and building insurance policy on the property or properties being offered as security.
Credit cards:
Full time / part time:
The two most recent payslips from your employer. Ideally these will show the company name, number of payslips and year-to-date income figure.
The most recent Group Certificate from your employer.
If self-employed:
The last two year’s personal and business tax returns and ATO assessments.
Other income details.
You may also need:
Rental income statements or bank accounts showing rental income for any investment properties.
Proof of share dividends or interest earned.
Centrelink letter confirming family tax benefits.
Centrelink letter confirming permanent government pensions.
Private pension group certificate or statement.
Statements for the last six months for any existing home loans or personal loans.
Your most recent credit card statement.
Copy of the Contract of Sale for the property you’re buying.
Statements for the last six months to show your savings and investment history. This could include share certificates, savings account statements, and term deposit statements.
If other funds are being used for the purchase, evidence showing where the funds are held.
Statements for the last six months to show your savings and investment history. This could include share certificates, savings account statements, and term deposit statements.
Copy of the Contract of Sale for the property being purchased.
If you already have investment properties:
Statements for the last six months to show your savings and investment history. This could include share certificates, savings account statements, and term deposit statements.
Copy of the Contract of Sale for the property being purchased.
A copy of a valid fixed price tender from your builder, including all specifications.
Statements for the last six months to show your savings and investment history. This could include share certificates, savings account statements, and term deposit statements.
Copy of the Contract of Sale for the property being purchased.
Bringing the right documents can help speed up your loan application.
If you’re unsure what you need, we’ve got you covered.