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.

Personal Identification

  • 100 points of ID are required. A 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.)
  • Other documents that help build up 100 points include: 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.
  • Copy of the Contract of Sale for the property being purchased.
  • A letter from a property manager indicating likely rent for the new property.


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.