{"id":211,"date":"2025-03-23T01:17:42","date_gmt":"2025-03-23T01:17:42","guid":{"rendered":"https:\/\/selectportfolio.staging.handmadeweb.com.au\/?page_id=211"},"modified":"2025-03-23T01:57:28","modified_gmt":"2025-03-23T01:57:28","slug":"pre-application-check-list","status":"publish","type":"page","link":"https:\/\/www.selectportfolio.com.au\/index.php\/pre-application-check-list\/","title":{"rendered":"Pre-application Check List"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Pre-Application Check List<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">During the course of the loan, we&#8217;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. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Please note, we are required to sight either originals of identification documents or certified copies. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Required Documents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">To enable your loan application to proceed smoothly and swiftly, copies of the following items may be required to accompany your application.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Income: For PAYG Earners<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>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.<\/li>\n\n\n\n<li>Copies of last year\u2019s group certificate or tax return with tax assessment notice.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Income: For Self Employed<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Past two (2) years full tax returns (personal and business\/company).<\/li>\n\n\n\n<li>Full financial statements for the past two (2) years of all related companies\/businesses.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Savings<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Copies of your everyday transaction account statement for the past 30 days.<\/li>\n\n\n\n<li>If the loan is to be mortgage-insured, copies of all bank or investment statements evidencing deposit funds saved over the past three (3).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Gifts<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A letter is required from the person providing the cash gift, stating the amount and that it is not repayable.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Investment<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>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.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Refinance<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan statements evidencing satisfactory conduct of existing loans being refinanced for the past six (6) months.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Purchase<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Front page of the contract of the property you are buying showing purchaser and price details.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Construction<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Copy of plans and specifications. Copy of builder\u2019s fixed price tender.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Identification<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Copy of passport or birth certificate or Medicare card, and driver\u2019s licence.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pre-Application Check List During the course of the loan, we&#8217;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 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-211","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.selectportfolio.com.au\/index.php\/wp-json\/wp\/v2\/pages\/211","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.selectportfolio.com.au\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.selectportfolio.com.au\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.selectportfolio.com.au\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.selectportfolio.com.au\/index.php\/wp-json\/wp\/v2\/comments?post=211"}],"version-history":[{"count":3,"href":"https:\/\/www.selectportfolio.com.au\/index.php\/wp-json\/wp\/v2\/pages\/211\/revisions"}],"predecessor-version":[{"id":216,"href":"https:\/\/www.selectportfolio.com.au\/index.php\/wp-json\/wp\/v2\/pages\/211\/revisions\/216"}],"wp:attachment":[{"href":"https:\/\/www.selectportfolio.com.au\/index.php\/wp-json\/wp\/v2\/media?parent=211"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}