Documentation Checklist

As we put your application together, below is a guide of the typical documentation to help preparing your application and ensuring you have this information readily available

All applications

Copies Identification (Drivers Licence & Passport)

Income – PAYG (Full / Part Time)

Last three payslips, with the latest one no more than one month old (payslip must show both yours and your employer’s names and your YTD income)

Income – Self-employed

Last two years (Personal and Business) tax returns where the most recent year is not older than 18 months

Last two years financial statements corresponding to the above

Income – Casual employment

Last three payslips, with the latest one no more than one month old (payslip must show both yours and your employer’s names and your YTD income)

PAYG Summary or Personal Tax Return for the last financial year

Income – Overtime/Commission

Last three payslips, with the latest one no more than one month old (payslip must show both yours and your employer’s names and your YTD income)

PAYG Summary or Personal Tax Return for the last financial year

Income – Rental

New rental

A market appraisal from a registered real estate agent, no older than 30 days

Existing rental (one of the following)

Current executed lease agreement, or

Last 3 months real estate agent rental statements, or

Last 6 months bank statements evidencing rental income

Purchases

Contract of sale

FHOG application (where applicable)

Evidence of funds to complete

Refinances

Last six current months loan statements for loan(s) being refinanced

Last three months credit card(s) statements for cards being refinanced (showing name, card limit, and balance)

Equity Release

Evidence of loan purpose

Construction

Fixed price building contract

Copies of plans/specifications

All builders insurances

Lenders Mortgage Insurance

(Additional verification requirements)

Last three statements for all credit cards held

Evidence of 5% genuine savings (over a six month period) where LVR is above 90% (eg. bank statements)

Last six months statements for all loans held

Ready to get started?

Contact Us Today