Home loan document checklist

IN terms of the information required this largely depends on the chosen lender and the type of loan you are applying for. Here is a rough guide on what you need to have when meeting a ratesonline broker.

The Proper Identification

  • An Australian Passport, Birth Certificate, other passport and Permanent Residency Visa
  • Marriage certificate if applicable
  • Driver's License

Documents required for Purchases or Construction loans

  • Copy of the Contract of Sale
  • Building specifications and plans including Builder's License No.

Documents Required for Full doc loans

Employee:

  • 2 latest pay slips
  • Tax Group Certificate
  • Bank statements

Self-Employed:

  • Business and ABN details
  • 2 years tax returns & 24 months financial statements
  • BAS statements (current year)

Other Income

Rental Statements & leases

Rental appraisal from Real Estate Office

Documents Required for Lo doc loans

  • Lo-doc declaration signed filled in and dated
  • ABN + GST registration
  • Accountant Letter

Documents Required for ALL LOANS

  • Last 6 months savings statements
  • A Statutory declaration for any gifted funds
  • Line of credit statements

For re-finance:

  • Last 6 months of loan statements NOT MORE THAN 6 WEEKS OLD (ONE ORIGINAL REQUIRED)
  • Last 3 months Credit Card statements
  • council / water rates notice

Further requirements - If Applicable

  • Completed First Home Owner Grant application form 
  • Credit Impairment/Bankruptcy explanations





Heavy rain dampens rodeo plans

Heavy rain dampens rodeo plans

WATCH: Police eradicate $14 million worth of drugs

WATCH: Police eradicate $14 million worth of drugs

More than 7200 cannabis plants have been seized

UPDATE: The rain is here and there is more to come

UPDATE: The rain is here and there is more to come

Northern Rivers is in for a very wet few days

New squads to combat drug and gun crime

New squads to combat drug and gun crime

More disruption in drug supply and gun crime on the Northern Rivers

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