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

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

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Step 1 – Provide Documents