Helpful checklist of documents

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.

  1.   A current Passport or Birth Certificate
  2.   Drivers Licence. (Please note if these documents are in your maiden name, you will also need to provide copy of your Marriage Certificate.)
  3.   If you don't have item 1 or 2, please provide other ID document: Medicare card, Birth Certificate/ Citizenship certificate,...
Any 2 out of 3 below items:
  1.   2 recent consecutive payslips
  2.   Most recent year PAYG summary
  3.   3 recent months bank statement showing salary credit
  1.   2 recent years individual tax return
  2.   2 recent years notice of assessment
  3.   2 recent years business tax return (if you are trading as partnership, trust or company)
  4.   2 recent years business financial statements (if you are trading as partnership, trust or company)
Alternatively, if your financial is not ready, you can provide the following items:
  1.   12 recent months Business Activity Statements (BAS)
  2.   12 recent month Business Trading Account statements
  3.   ATO Tax agent portal confirming ATO debt is fully paid
  1.   2 most recent rental statements
  2.   Rental appraisal letter from real estate agent
  3.   2 most recent Centrelink statements
  4.   Letter from employer to confirm Overtime income, bonus, dividends,…
  1.   1 recent month personal bank statement
  2.   3 recent month savings bank statement if you are borrowing more than 85% of property value
  3.   Recent home/ investment loans statements not being refinanced
  4.   Recent personal liabilities statements not being refinanced
  1.   Contract of sales
  2.   Bank balance/ bank statement to show funds to complete the purchase.
  1.   6 recent months bank statement of the secured loans being refinanced
  2.   3 recent months bank statements of unsecured loans being refinanced
  1.   Fully signed building contract, including floor plan, specifications & schedule of payments

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