Helpful checklist of documents
Most lenders require the same 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.
Personal identification
- 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: a Medicare card, Credit card, ATM/Debit card, Council Rates Notice, Pensioner Concession card, Health Care card, Tertiary Student ID card.
Income details
- The two most recent payslips from your employer. (Ideally these will show the company name, number of payslip 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
- Proof of any other regular, ongoing income.
Additional documents 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.
Additional documents 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.
Additional documents 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.
- Copy of the Contract of Sale for the property being purchased.
Additional documents 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.
- Copy of the Contract of Sale for the property being purchased.
- A letter from a property manager indicating likely rent for the new property.
Additional documents 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.
