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.
Identification such as a driver licence, passport or Medicare Card
Completed Fact Find Form
Last 3 months of bank statements from your everyday account
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
Last two pay slips no more than 4 weeks old
A Statement of Employment from your employer stating the length of employment, employment type and salary
Most recent Payment Summary/Group Certificate
If you are self employed
Last two years personal tax returns including Notice of Assessments
Last two years company or business financial statements
Last two years company or business tax returns
If you are purchasing an Owner Occupied or Investment Property
Evidence of 6 months savings history
Front page of Contract of Sale
Rental Appraisal for an investment property
If you are refinancing or consolidating debt
Last 6 months statements on any loans being refinanced
Last 3 months statements on any credit cards being refinanced
Current Rates Notice for all properties being refinanced
Rental Statements if an investment property is being refinanced
If you need a Construction Loan
Copy of the Building Contract or fixed price tender
Copy of building plans
Home Loan Calculator
I want to buy a home
I need to consolidate
Refinance & Debt Consolidation
My business needs a boost
I would like a new car
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