What Documents You Need For Your Home Loan Application


For your home loan application you will need the following documents: 

Your Personal Identification

Bring two of the following current documents and proof of address to complete the customer identification process:

  • Driver's Licence
  • Passport
  • Photo ID

If you only have one of the above forms of photo ID, you will also need to bring one of the following:

  • Birth certificate
  • Citizenship certificate
  • Credit card, debit card or EFTPOS card embossed with your name and signature

Proof of Address

Bring copies of one of the following that clearly state your current address:

  • Utilities notice
  • Rates notice
  • Tax assesment

Proof of Income

To confirm your income, provide either:

  • Two of your most recent payslips confirming year to date income
  • Last three months of your transactional bank statements and payslips
  • Your recent tax return
  • Your employment contract

If You Are Self Employed

Please bring the following documents:

  • Your tax return
  • A letter from your accountant
  • Last two years completed financial accounts

Other Income

If you have other sources of income, you should also bring details of any other income such as:

  • Shareholding statement
  • Your tax returns from the last two years
  • Record of investment to confirm interest
  • Rental income, real estate letter and current lease if you have a current leased investment property

Your Financial Position

Listing your other assets and liabilities will help us determine your capacity to repay the loan.

Your Assets

Bring along proof of savings (bank account details) and a list of any other assets you have (e.g. current term deposit account, share investment statement, property or motor vehicle assets).

Your Liabilities

Listing liabilities will help us to quickly determine how much you can afford to repay on your loan.  Please bring the following:

  • Existing loan statements for the last six months
  • Credit and store card statements for the last six months if being refinanced

Your Personal Insurance Documents

  • Home and contents insurance
  • Investment property insurance
  • Income protection
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