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

• 100 points of ID are required. A current Passport or Birth Certificate = 70 points. Drivers Licence = 40 points. (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 help build up 100 points include: 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.