Document Checklist

Document Checklist

Most lenders require the same documents to approve a loan.

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
    • 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.)

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
  • Employment contract (if you have one)

If self employed:

  • Last 2  year’s personal, business and trust tax returns
  • Last 2  years ATO assessments – called Notice of Assessments (NOA)
  • Last 2 years financial returns
  • Last 2 years company/trust tax returns
  • Last 2 years company/trust financials
  • Last 2 years personal tax returns
  • Last 2 years Notice of Assessments (NOA)

You may also need documents to show other income:

  • Rental statements or current lease showing rental income for any investment properties
  • Interest earned
  • Centrelink letter confirming family tax benefits
  • Centrelink letter confirming permanent government pensions
  • Statement
  • Proof of any other regular, ongoing income.

Additional documents for refinancing existing debt

  • 6 months loan statements for existing home loans
  • 3 months loan statements for credit cards and personal loans and personal loans
  • The most recent Council Rates Notice

Additional documents if purchasing a home

  • Copy of the Contract of Sale for the property you’re buying
  • 3 months statements showing your deposit (genuine savings)
  • Receipt for deposit

Additional documents for construction loan

  • A copy of a valid builder’s fixed price tender, including all specifications.
  • Receipt for deposit.

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