What you’ll need to show the lender
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 What you’ll need to show the lender

Generally all lenders require the same information from you. Certain exceptions may be made for 'low doc' loans for the self-employed, but when you meet with our Mortgage Broker at your Loan Appointment, you should bring the following with you


Identification
You must bring “100 points” identification such as: driver's licence and passport or birth certificate as well as your Medicare card or for example, a Rates notice or Water Notice. This is required by law.


PAYE Applicants
If you are in regular employment, please bring either:

  • Two consecutive payslips showing YTD earnings (no older than 4 weeks) or a letter from your employer confirming your salary AND
  • Your last Group Certificate AND
  • Your last Tax Assessment Notice


Property Purchases
Lenders want to know you can meet the repayments, so please bring:

  • Savings Statements showing savings history
    (dependent on lender) AND
  • A Copy of Contract of Sales


Property Refinancing
If you want to refinance a property you already own to take advantage of better loans now available or use the equity in your property for another purpose, bring:

  • A copy of all loan statements for last 6 to 12 months AND
  • Proof of property ownership (eg. Rates Notice)

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Loans and Cards
Please bring:

  • A copy of recent statement for all credit cards AND
  • A copy of 6 months loan statements.


Self Employed
We can also help you with finance if you work for yourself. Bring your:

  • Last 2 years' personal income Tax Returns AND
  • Last 2 years' Company Tax Returns and Accounts AND
  • Last Tax Assessment Notice.


Investors
Your income will be enhanced by the rental you receive. So bring in addition to the above:

  • A letter from real estate agent confirming expected rental OR
  • A Copy of current Lease Agreement OR
  • Recent rental statements


Construction Loan
If you're planning to build, lenders will require some extra information. Please bring:

  • A copy of your Fixed Price Building Contract AND
  • A copy of the Plans and Specifications

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