Documents Required

Documents you may need to submit a loan application:

Generally speaking, all lenders require the same information from you.

Certain exceptions may be made for “low doc” home loans for the self-employed.

When you come to your loan appointment, you should bring documents/evidence from the following categories with you:

• Identification
• PAYE applicants
• Property purchases
• Loans and cards
• Self employed
• Refinance
• Investors
• Construction loan

Identification

You must bring original identification documents with you:

• driver licence /passport.
• Medicare card
• Marriage certificate if applicable.
(This is required by Federal Law and there are various other options available.)

PAYE applicants

If you are in regular employment, please bring either:

• two consecutive payslips showing YTD earnings (no older than 4 weeks) OR
• a letter from your employer confirming your salary AND
• your last Group Certificate/PAYG Summary AND
• your last Tax Assessment Notice.

Property purchases

Lenders want to know you can meet the repayments, so please bring:

• 6 months savings statements AND
• a copy of the Contract for Sale of Land or Offer and Acceptance

Loans and cards

Please bring:

• a copy of recent statement for all credit cards AND
• copies of six months of loan statements

Self employed

We can also help you with finance if you work for yourself. Bring your:

• last two years' personal income tax returns AND
• last two years' co tax returns and accounts AND
• last Tax Assessment Notice

Refinance

If you want to refinance a property you already own to take advantage of better loans now available or use the equity in your property for another purpose, bring

• a copy of all loan statements for last 12 months AND
• proof of property ownership (e.g. rates notice)

Investors

Your income will be enhanced by the rental you receive. So bring:

• a letter from real estate agent confirming expected rental OR
• a Copy of current Lease Agreement OR
• recent rental statements

Construction loan

If you're planning to build, lenders will require some extra information. Please bring:

• a copy of your Fixed Price Building Contract AND
• a copy of the plans and specifications.