This serves as the initial step; it's advisable to connect with your broker for a comprehensive list and a customised checklist tailored to your specific situation.
| Proof of Identity | |
|---|---|
| Full colour high resolution copy of Passport OR Birth Certificate | |
| Full colour high resolution copy of Drivers Licence | |
| Proof of age card/ Australian tertiary institution card, Department of Defence ID, Waterways/Boat License | |
| Birth Certificate (required if you will be applying for the FHOG) | |
| Citizenship Certificate | |
| Cetrelink Pension Card | |
| Medicare Card | |
| Current/recent rates or utilises bill | |
| Tax assessment notice (most recent) |
| Income | |
|---|---|
| Copy of 2 consecutive computer generated payslips with the latest dated within 1 month of today OR typed letter on letterhead of the company confirming the employment (if still on probation), gross and net income, regular overtime and allowances. | |
| Last PAYG Summary OR Group Certificate (always take care to mask/hide your tax file number where possible) for the last financial year | |
| If self employed, you will need your income tax returns from the last two financial years, and your most recent Assessment Notice. Some lenders may require profit and loss statements certified by a registered accountant. | |
| Confirmation of any Centrelink payment you receive (eg. Family Benefits). | |
| Details of any other income, bonuses, allowances or benefits. | |
| If buying an investment property, you will need to supply either a copy of the lease agreement with the current tenant, or a letter from your property manager confirming estimated rental income. | |
| Confirmation of net rental income received from any other investment properties. |
| Expenses | |
|---|---|
| Details of your rent/board payments | |
| Council and water rates | |
| Electricity and gas bills. | |
| Details of any extraordinary expenses (eg. private school fees or maintainance/ child support payments). |
| Assets | |
|---|---|
| Bank statement/s where your salaries are paid to present showing account name and number. | |
| Statement to confirm evident of funds to complete land purchase | |
| Latest superannuation statements | |
| If using the settlement from another property as your deposit, you will need a letter from your solicitor confirming the net settlement amount. | |
| Should your deposit/part thereof, be a gift you will need a statutory declaration showing how much of the deposit is a gift and that the amount does not need to be repaid. Some lenders may need proof that the gift has been in your savings account for a 3 month period. | |
| Details of assets including superannuation and any shares held. | |
| If other investment properties are owned, you will need to provide copies of the rates notices on each property. | |
| Confirmation of other assets (eg. insurance statements which include sum insured for your motor vehicle assets and your home contents value). |
| Liabilities | |
|---|---|
| If you have a current mortgage, you will need to provide a minimum of 3 months loan statements. | |
| You will need to provide the most up to date statements for your car or personal loans and credit card/s or store cards. |
| Other | |
|---|---|
| If you have already identified the property you will need to supply: | |
| Sign, initial and return the entire (all pages) Application Form | |
| Front page of the Contract of Sale and conditions including any annexure to the Contract for the property | |
| Copy of the certificate of title | |
| Copy of transfer of land | |
| If you are a builder, your broker will also need to see a copy of council approved plans, the building specifications, and your fixed price contract (construction/renovations) from your builder. | |
| If you are refinancing, your broker will also need to see: | |
| The loan statements on the property you are refinancing. | |
| Details of the home to be refinanced (eg. number of bedrooms, bathrooms, garages and other inclusions) | |
| Please provide a Retirement Repayment Strategy. This is a plan signed by you explaining how you intend to repay your mortgage upon or after retirement, or reduce to a level which can be managed by your income after retirement. Examples include selling real estate, shares or personal assets, using part of superannuation or working beyond retirement | |
| Prepaid application fee $600 via secure link to be provided |
