The better prepared you are for your loan application, the quicker you will get an answer from your lender. Complete documentation also helps in getting a Yes, instead of a No.
So, here’s a list of the must have:

Identification: A certified copy of a photo ID document such as a Driver’s Licence or Passport
Income (PAYG):
  • Two (2) consecutive payslips that are no more than 1 month old
  • A copy of your most recent Group Certificate

If you receive other benefits such as a car allowance or salary sacrifice, a letter from
your employer stating the benefits will also help a lot.

Self-Employed (individuals or partnerships)
  • Copies of your last 2 years Personal Tax Returns
  • Copies of the corresponding ATO Tax Notices of Assessment
Companies
  • Copies of the last 2 years Company Tax Returns
  • Copies of the last 2 years Personal Tax Returns for each Director
  • Copy of Company Balance Sheet
  • Copies of the corresponding ATO Tax Notices of Assessment
Currently you will need Tax Returns for the 2010 and 2011 financial years. From December onwards you will need the 2011 and 2012 financial years.
Evidence of Equity
  • Copies of bank statements for the last 6 months showing your savings history.
  • Copies of receipts for deposits you have already paid
  • Copy of Contract of Sale of existing property if applicable
Refinance
  • Copies of the bank statements for the last 12 months for each of the loans you are refinancing.
  • Copies of your Credit Card statements for the last 3 months.
  • Copy of your latest Council Valuation & Rate Notice
Purchase
  • Copy of the Contract of Sale for the property you have purchased
Construction
  • Signed copy of your Building Contract
  • Copy of the house plans (floor plan and elevations)
  • Copy of the Building Specifications
Rental properties
  • Copy of recent rent statement or Lease Agreement
  • Letter from Real Estate Agent confirming estimated rental value of property
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