Personal identification

• You’ll need to gather 100 points of ID.
• A current passport or birth certificate is worth 70 points.
• A driver’s license equals 40 points. (If your documents are in your maiden name, include your marriage certificate.)
• To reach 100 points, consider other documents such as a Medicare card, credit card, ATM/debit card, council rates notice, pensioner concession card, health care card, or tertiary student ID card.

Income details

• Provide your two most recent payslips from your current employer. These should ideally display the company name, payslip number, and year-to-date income.
• Include the latest Group Certificate from your employer.

If you’re self-employed

• Include the last two years’ personal and business tax returns along with ATO assessments.
• Add any other income details.

You may also need

• Rental income statements or bank records showing rental income for investment properties.
• Proof of share dividends or earned interest.
• A Centrelink letter confirming family tax benefits.
• A Centrelink letter confirming a permanent government pension.
• A private pension group certificate or statement.
• Proof of any other regular, ongoing income.

Additional documents for mortgage refinancing

Documentation for Existing Home Loan

• Include details of your existing home loan: the loan commencement date, loan period, and any early exit financial penalties.
• Provide statements covering the last six months for all existing home loans and personal loans.

For properties offered as security

• Include the most recent council rates notice and building insurance policy for the property or properties being used as security.

Credit card information

• If you have credit card debt, include statements from the past six months.
• If your credit card balance is zero, include the most recent statement.

Additional documents if you already own a home

• Provide statements for the last six months showcasing your existing home loans or personal loans.
• Include your most recent credit card statement.
• Attach a copy of the contract of sale for the property you are purchasing.
• Showcase your savings and investment history with statements covering the last six months. This can encompass share certificates, savings account statements, term deposit statements, and more.
• If external funds are involved in the purchase, provide evidence confirming the location of these funds.
• In the case of funds being gifted to you from an external source, not yet deposited in your bank account, a Statutory Declaration from the giver is necessary.

Additional documents for first home buyers

• If you possess a First Home Saver Account, provide its statement.
• Provide statements for the past six months to demonstrate your savings and investment history, which may include share certificates, term deposit statements, and more.
• If external funds are contributing to the purchase, provide evidence detailing the location of these funds.
• In the case of funds being gifted to you from an external source not yet reflected in your bank account, a Statutory Declaration from the donor is required.
• Include your most recent credit card statement.
• Attach a copy of the contract of sale for the property in question.

Additional documents for investors

If you have an existing investment property(ies), ensure you provide these essential documents:

• Evidence of income, including rental statements.
• Include a copy of the tenancy lease for each property.
• Provide a council rates’ notice for each property.
• Copy of the contract of sale for the property you are purchasing.
• Provide a letter from a property manager estimating the potential rent for the new property.
• Copy of the contract of sale for the property being purchased.

Additional documents for borrowers seeking a construction loan

• A copy of a valid builder’s fixed price tender, including all specifications.
• A copy of council approved plans.