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Home Loans - Documents Required
 

The following items will be required with your loan application.

( A ) - Owner-Occupied Home Loan, Investment Loans, Loans for Vacant Residential Land 

• signed contract of sale;
• a receipt for the deposit paid;
• verification of your income – such as a pay advice, group certificate, taxation return for self-employed persons, or financial statements for the previous 2 years (minimum);
• evidence of savings – such as savings passbook, bank statements, investment certificates etc.;
•  acceptable identification (as required by Federal Government legislation) For individuals the identification requirements can be satisfied by the following documents: Driver's Licence, Credit Card, Electricity or Gas Bill, Rates Notice, Medicare Card, Tax Assessment Notice. Only two of these documents are required if you also have the following: Birth Certificate, Citizenship Certificate, Passport. Some other documents which help establish your identity may also be accepted. For incorporated entities identification may include a Certificate of Incorporation and individual identification of all Directors as outlined above.

( B ) - Loans for Home Construction (all items listed for A – plus)

• a copy of the Plan;
• satisfactorily completed specifications;
• a quote for construction/copy of building contract;

( C ) - Loans involving Refinancing, Debt Consolidation, Home Equity Loans

• last receipted Rates Notice;
• home insurance schedule;
• minimum of last 6 months statement of any accounts being paid out;
• verification of income (as listed in A);
• Acceptable identification (as listed in A)

( D ) - Low Doc 

• Where financials are not available, borrowers must state their income from all sources. Based on this stated income a normal servicing criteria must be met. A statement attesting to income and affordability ( standard form provided ) is to be submitted with the initial application.

* conditions apply .

Apply for your Home Loan !

 

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