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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 .

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