Document Checklist

Most lenders follow a similar process when it comes to approving loans, so they generally need the same documentation.

 

This is a general checklist and you may not need some of them. We can help show you which ones you need.

 

Personal identification

  • A current Passport or Birth Certificate
  • Driver’s 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 may 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, 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
  • Bank statements for the last three months transaction account showing salary credits
  • 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

  • Statements for the last six months for any existing home loans or personal loans being refinanced
  • The most recent Council Rates Notice on the property being offered as security.
  • Credit card statements.

 

Additional documents for purchases

  • Copy of the Contract of Sale for the property being purchased
  • Statements for the last six months to show your savings history and funds to complete. This could include share certificates, savings account statements, term deposit statements, etc.
  • 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 borrowers seeking a construction loan

  • A copy of a valid builder’s fixed price tender, including all specifications.
  • A copy of Council approved plans and permits
  • Progress payment schedule
  • Builders insurance and Home insurance details.
  • Copy of the Contract of Sale for the property being purchased.
  • Statements for the last six months to show your savings history and funds to complete. This could include share certificates, savings account statements, term deposit statements, etc.
  • 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.