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:


  • 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)


Step 2 – How Much Can You Borrow