Home finance made easy with us by your side

Home finance made easy with us by your side

Having your documents ready can speed up the home finance process

Depending on the type of loan you need and your personal circumstances, there are a variety of documents you need to provide to lenders as part of the approval and application process. Having these ready to go up-front can help to speed up the loan process, so we’ve compiled some of the basics to help you get organised.

Basic Information

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Identification such as a driver licence, passport or Medicare Card

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Completed Fact Find Form

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Last 3 months of bank statements from your everyday account

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Most recent statements for all current loans, including car loans, credit cards and personal loans

As well as the basic information, you may be required to provide additional documents depending on your situation.

If you are a PAYG employee

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Last two pay slips no more than 4 weeks old

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A Statement of Employment from your employer stating the length of employment, employment type and salary

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Most recent Payment Summary/Group Certificate

If you are self employed

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Last two years personal tax returns including Notice of Assessments

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Last two years company or business financial statements

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Last two years company or business tax returns

If you are purchasing an Owner Occupied or Investment Property

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Evidence of 6 months savings history

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Front page of Contract of Sale

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Rental Appraisal for an investment property

If you are refinancing or consolidating debt

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Last 6 months statements on any loans being refinanced

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Last 3 months statements on any credit cards being refinanced

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Current Rates Notice for all properties being refinanced

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Rental Statements if an investment property is being refinanced

If you need a Construction Loan

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Copy of the Building Contract or fixed price tender

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Copy of building plans

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TESTIMONIALS

What our clients are saying

I can highly recommend David. We have dealt with David & Central Coast Home Loans several times. Excellent service.

D & L | Kincumber

It was a pleasure to have David assist me with my first home purchase. He took all the stress out of the finance side of things.

J | Kanwal

Brilliant customer service, would highly recommend to anyone.

K.N. |  Erina 

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