• Personal Identification:

  • Passport or Birth Certificate

  • Driver’s License (with Marriage Certificate if applicable)

  • Additional: Medicare card, Credit/ATM card, Council Rates Notice, Pensioner Concession card, Health Care card, Tertiary Student ID

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• Income Details:

  • Recent payslips (showing company name, payslip number, year-to-date income)

  • Most recent Group Certificate

  • For Self-Employed: Last 2 years' personal and business tax returns, ATO assessments

  • Additional: Rental income statements, proof of share dividends or interest, Centrelink letters, Private pension statements, proof of other income

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• For Refinancing:

  • Existing loan details (start date, loan period, early exit penalties)

  • Statements for the last 6 months for home and personal loans

  • Most recent Council Rates Notice and building insurance policy

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• ​Credit Cards:

  • Statements for the last 6 months if debt exists

  • Most recent statement if no debts.

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• ​If You Already Own a Home:

  • Statements for the last 6 months for home and personal loans

  • Most recent credit card statement

  • Contract of Sale for new property

  • Savings/investment history (e.g., share certificates, savings account statements)

  • Evidence of additional funds or Statutory Declaration if funds are provided by others

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• For First Home Buyers:

  • First Home Saver Account statement (if applicable)

  • Savings/investment history

  • Evidence of additional funds or Statutory Declaration if funds are provided by others

  • Most recent credit card statement

  • Contract of Sale for new property

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• For Investors:

  • Evidence of rental income, tenancy lease, Council Rates Notice

  • Property manager’s letter on likely rent

  • Savings/investment history

  • Evidence of additional funds or Statutory Declaration if funds are provided by others

  • Most recent credit card statement

  • Contract of Sale for new property

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• For Construction Loans:

  • Builder’s fixed price tender and specifications

  • Council approved plans

  • Savings/investment history

  • Evidence of additional funds or Statutory Declaration if funds are provided by others

  • Most recent credit card statement

  • Contract of Sale for new property