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.