Step 1 – Provide Documents


To speed up the process it is important to have all your papers ready for our first appointment.

You should include:

Income

  • Last three pay slips plus last two group certificates
  • Letter of employment detailing salary
  • If self employed, last 2 years personal and business tax returns, eg Profit and loss statements and balance sheets and 2 years certified tax returns
  • If Lo Doc – Self-employed borrowers only you may need a Lenders Declaration (if applicable)
  • Proof of saving history over last 6 months . Bank Statements showing six months saving history
  • If you’ve received a cash gift, a warranty from the provider
  • Any other income information

Other information required

  • Proof of Identity including
    • Your Driver’s license
    • Your Birth Certificate or Passport
    • Your Medicare Card or Credit Card or ATM Card
    • Credit card statements for last 3 months
  • Any details of other loans

Information for Property Purchase

  • Copy of Contract of Sale, Certificate of title (Victoria only)
  • Deposit source details
  • Evidence of funds to complete the purchase
  • Investment – lease, rent appraisal or evidence of receipt of rental income
  • 6 months proof of genuine savings (your lender may request this if the LVR is > 85%)

For Property Refinance

  • Copy of Water & Council Rates Notice for all securities being offered
  • 12 months refinance statements
  • Fire insurance policy and certificate of title (Victoria only)
  • 6 months credit card/personal loan statements

Building Loans

  • Written tender
  • Council approval for plans
  • Builders license number & insurance
  • Building specifications and builder’s fixed price tender
  • Any other building plans and specifications
  • Other Documents (if applicable)
  • Copy of lease or managing agents’ statement
  • Copy of latest rental statements on rent paid or received if it is a investment property
  • First Home Owner Grant and Certified Citizenship certificate or Birth certificate

Additional for applicants with credit impairments

  • Explanation of credit impairment and proof defaults paid (for non-conforming products)

To make this step easier, we explain the full document checklist inside the Investors Choice Mortgages Hub. The Hub walks you through what to prepare based on your situation, including income documents, ID, savings history, property purchase details, refinance documents, building loan requirements, and any extra information your lender may request.

Step 2 – How Much Can You Borrow