Here’s a checklist of required documents

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 will 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, 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.
• A letter from a property manager indicating likely rent for the new property.
• 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 borrowers seeking a construction loan

• A copy of a valid builder’s fixed price tender, including all specifications.
• A copy of Council approved plans.
• 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.