List of supporting documents required to support your home loan – (originals for each applicant is required for verification & authentication)

Proof of Identity - one document out of the 3 listed below

a) Copy of Citizen Ship Certificate

b) Copy of valid residency status in Australia

c) Copy of Australian Drivers License

Proof of residency

a) Copy of Medicare Card / Credit Card

b) Proof of residency address – copy of recent Gas / Electricity bill etc, sent to the current address

Proof of Income

a) 2 years tax return

in addition 3 Pay slips each covering 3 consecutive pay periods not older than 6 weeks that has Year To Date earnings & letter from employer confirming length of employment for Full Doc Loans

Self employed ABN older than 2 Years for Lo Doc Loans, Tax Agent confirmation of business income or a self certification of income confirming ability to repay loan.

Proof of Security

a) Contract for sale exchange with title search (dated & signed by Vendor) for a new purchase

b) Last 12 months bank statements with last Council Rate Notice for a refinance (each property)

c) 6 months rental statements for investment property or Real Estate agent confirmation of proposed rental

Confirmation of Savings/Assets/Liabilities

Copies of bank statements (3 months) confirming genuine savings for a new loan. Also a copy of redundancy payment details or any other relevant papers, if lump-sum income received.

Refinance loans will rely on your past loan repayment history. Any other valid document for other type of income.

Defaults & Bad Credit (if applicable)Confirm in writing what has been recorded and current status of default.