Pre-Application Check List
During the course of the loan, we’ll ask you to gather certain documents. While some of these can be collected over time, most are required before the loan or pre-approval is lodged. If there is a delay between pre-approval and conversion to full approval, some documents may need to be re-supplied.
Please note, we are required to sight either originals of identification documents or certified copies.
Required Documents
To enable your loan application to proceed smoothly and swiftly, copies of the following items may be required to accompany your application.
Income: For PAYG Earners
- Two (2) recent payslips or a letter from your employer confirming income, position, length of service in the company. This letter should be on company letterhead, and signed by an authorised officer.
- Copies of last year’s group certificate or tax return with tax assessment notice.
Income: For Self Employed
- Past two (2) years full tax returns (personal and business/company).
- Full financial statements for the past two (2) years of all related companies/businesses.
Savings
- Copies of your everyday transaction account statement for the past 30 days.
- If the loan is to be mortgage-insured, copies of all bank or investment statements evidencing deposit funds saved over the past three (3).
Gifts
- A letter is required from the person providing the cash gift, stating the amount and that it is not repayable.
Investment
- Latest rental statement from agent or copy of current lease. If the property is not currently leased, a letter of opinion from managing agents stating reasonable rent.
Refinance
- Loan statements evidencing satisfactory conduct of existing loans being refinanced for the past six (6) months.
Purchase
- Front page of the contract of the property you are buying showing purchaser and price details.
Construction
- Copy of plans and specifications. Copy of builder’s fixed price tender.
Identification
- Copy of passport or birth certificate or Medicare card, and driver’s licence.