Here is a guide of what documents you may need to provide, to support your application to a lender for your loan to proceed, when purchasing or changing banks. Hopefully it’s not too long for you; we’re not asking for anything more than we need; but it is what the bank’s want!
Income
You have a job
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3 x Pay slips (most recent)
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PAYG summary or Group Certificate or Notice of Assessment (most recent)
You own your own business
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Personal tax returns & notice of assessments (last 2 years)
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Business tax returns & financial statements (last 2 years)
Other Income
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Rental income confirmation (lease, bank statements, rental statement, appraisal)
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Government support (pensions, Centrelink, disability)
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Other income (shares, investments, child support)
Bank Statements
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Official bank statements and internet print-offs / screen shots up to today’s date, showing your full name
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Home loan statements
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Savings statements
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Transactional accounts
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Credit card statements (3 most recent)
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Car Lease / personal loan / HECS statement (last 3 months of transactions)
Other
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Driver’s License (front and back)
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Medicare Card
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Passport
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Rates notice (for all existing properties)
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Rental statement (current statement if continuing)
Purchasing a property
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Contract of sale (signed by both parties)
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Deposit receipt
When building or making significant renovations
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Signed Fixed Price Builders Contract and Specifications
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Council Approval Plans and/or Builders Permit (depending on state)
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Plumbing & electrical permits (WA only)
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Builders Indemnity Insurance Policy, Home Owners Warranty
This list is a guide and covers most things needed, but not all things. Your
circumstances may mean that the lender wants documents specific to your
situation; our team will let you know if your lender wants something special at the
time of your application.