What you need to apply
To speed up your application, make sure you have the necessary documents on hand when applying for your mortgage or investment loan - you can fax, email or post these documents to us.
Due to the Government's Consumer Credit Code requirements borrowers must supply certain documents when applying for a loan. These are specified below.
I am a…
PAYG Applicant:
Required:
- Latest pay slips (the latest is to be less than a month old)
- Latest group certificate OR latest tax return OR latest tax assessment
- 100 point identity check
May be required:
- Letter from employer confirming superannuation salary sacrifice and/or fully maintained vehicle (if applicable)
Self-Employed/Company/Trusts Applicant:
Required:
- Financials (eg. profit & loss statement and balance sheet)
- Tax returns for the business in last 2 years (the latest cannot be more than 18 months old)
- Personal tax return for the last two years
- 100 point identity check
May be required:
- Interim financials/BAS Statements
- Last 3 months bank statements of business working accounts
Trust applicants:
Company applicants:
- Copy of company constitution
My Loan will be used for…
Refinancing:
Required:
- 6 months bank statements for home loan to be refinanced (to show you have a good repayment history)
- Latest statement from any Credit/store cards, personal loans and other unsecured loans being refinanced.
- 100 point identity check
Property purchase:
Required:
- Front page of contract of sale
- If the LVR < 80%: Latest bank statements to confirm that you currently hold the funds for the deposit
- If the LVR between 80%-95%: 6 months statements to confirm a minimum of 3% personal contribution.
- A Statutory Declaration stating that a gift or any other contribution you have received is not repayable.
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