Helpful Checklist of Documents

This is a general checklist so some of the documents may not apply to you. Your broker will confirm which documents you need.

"Most lenders require the same documents to approve a loan.

Make sure you bring the documents below to your meeting with your broker to help fast-track your loan application."

Personal Identification

  • 100 points of ID are required. A current Passport or Birth Certificate = 70 points. Drivers Licence = 40 points. (Please note if these documents are in your maiden name, you will also need to provide a copy of your Marriage Certificate.)
     

  • Other documents that help build up 100 points include: a Medicare card, Credit card, ATM/Debit card, Council Rates Notice, Pensioner Concession card, Health Care card, Tertiary Student ID card.

Income Details

  • The two most recent payslips from your employer. (Ideally these will show the company name, number of payslip and year-to-date income figure).

  • The most recent Group Certificate from your employer.

If self-employed:

  • The last two year’s personal and business tax returns and ATO assessments.

  • Other income details

You may also need:

  • Rental income statements or bank accounts showing rental income for any investment properties

  • Proof of share dividends or interest earned

  • Centrelink letter confirming family tax benefits

  • Centrelink letter confirming permanent government pensions

  • Private pension group certificate or statement

  • Proof of any other regular, ongoing income.

Additional Documents for Re-financing

  • Documentation on your existing loan including the date the loan commenced, loan period and any financial penalty payable if you exit the loan early

  • Statements for the last six months for any existing home loans and personal loans

  • The most recent Council Rates Notice and building insurance policy on the property or properties being offered as security.

Credit Cards

  • If you have credit card debt, statements for the last six months.

  • If you don’t owe anything on your credit card, the most recent statement.

Additional Documents if you already own a Home

  • Statements for the last six months for any existing home loans or personal loans

  • Your most recent credit card statement

  • Copy of the Contract of Sale for the property you’re buying

  • Statements for the last six months to show your savings/investment history. (This could include share certificates, savings account statements, term deposit statements, etc.)

  • If other funds are being used for the purchase, evidence showing where the funds are held.

  • If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money.

Additional Documents for First Home Buyes

  • Statement for your First Home Saver Account, if you have one.

  • Statements for the last six months to show your savings/investment history. This could include share certificates, term deposit statements, etc.

  • If other funds are being used for the purchase, evidence showing where the funds are held.

  • If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money.

  • Your most recent credit card statement.

  • Copy of the Contract of Sale for the property being purchased.

Additional Documents for First Home Buyers

If you already have investment property/ies:

  • Evidence of income such as rental statements.

  • A copy of the tenancy lease.

  • A Council Rates Notice.

  • Copy of the Contract of Sale for the property being purchased.

  • A letter from a property manager indicating likely rent for the new property.

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.

Contact us to find out more

JP Partners Financial
 

Suite 2, Lvl 1

16 Unley Rd 

Unley SA 5061

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