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Helpful checklist of documents you need​

Most lenders require similar documents to approve a loan

Make sure you bring the documents below to your meeting with your broker to help fast-track your loan application.

This is a general checklist so some of the documents may not apply to you. Your broker will confirm which documents you need.

Income details

  • The two most recent payslips from your employer. (Ideally, these will show the company name, number of payslips, and a year-to-date income figure).
  • The most recent PAYG payment summary (group certificate) from your employer.

If self-employed

  • The last two year’s personal and business tax returns and ATO assessments.
  • Any 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.
  • Proof of any other regular, ongoing income.

Personal identification

  • A current passport or birth certificate.
  • Drivers licence.

You may also need:

  • Medicare card
  • Credit card
  • ATM/debit card
  • Council rates notice
  • Pensioner concession card,
  • Health care card
  • Tertiary student ID card.

Please note if any of these documents are in your maiden name, you will also need to provide a copy of your marriage certificate.

Additional documents you might need

For refinancing:

  • 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
    • If you have credit card debt, statements for the last six months.
    • If you don’t owe anything on your credit card, the most recent statement.

For first home buyers:

  • Statement for your First Home Saver Account, if you have one.
  • Statements for the last six months to show your savings/investment history. This could include share certificates, term deposit statements, etc.
  • If other funds are being used for the purchase, evidence showing where the funds are held.
  • If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money.
  • Your most recent credit card statement.
  • A copy of the Contract of Sale for the property being purchased.

If you already own a home:

  • 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/investment history. (This could include share certificates, savings account statements, term deposit statements, etc.)
  • If other funds are being used for the purchase, evidence showing where the funds are held.
  • If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money.

For investors:

If you already have investment property/ies:

  • Evidence of income such as rental statements.
    A copy of the tenancy lease.
  • A Council Rates Notice.
    A copy of the Contract of Sale for the property being purchased.
  • A letter from a property manager indicating likely rent for the new property.

For borrowers seeking a construction loan:

  • A copy of a valid builder’s fixed price tender, including all specifications.
  • A copy of council approved plans.

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