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Document Checklist

Use this checklist to gather all the documents you'll need for your home loan application. Having everything ready speeds up the approval process.

Quick Tips

Provide clear, readable copies (not blurry photos)
Bank statements should show your name and account number
All pages of documents must be included
Recent documents (less than 30 days old) are preferred

Identity Documents

100 points of ID required

Current Australian Driver's Licence
Current Australian Passport
Medicare Card
Birth Certificate (Australian)
Citizenship Certificate (if applicable)

PAYG Employed

If you're employed full-time, part-time, or casual

2 most recent payslips (showing YTD earnings)
PAYG Payment Summary or Tax Return (last 2 years)
Employment contract or letter confirming employment
Group Certificate / Income Statement

Self-Employed

If you own a business or are a sole trader

Last 2 years' personal Tax Returns
Last 2 years' business Tax Returns (if applicable)
Last 2 years' Notice of Assessment (ATO)
Business Activity Statements (last 4 quarters)
Accountant's letter confirming business income
ABN/ACN registration certificate

Assets & Savings

Evidence of your financial position

Bank statements (all accounts, last 3 months)
Term deposit statements
Share portfolio statements
Superannuation statements (latest)
Evidence of genuine savings (3+ months history)
Property valuations (if you own property)

Liabilities & Debts

Details of your current financial commitments

Credit card statements (last month, all cards)
Personal loan statements
Car loan / lease agreements
HECS/HELP debt balance (via myGov)
Buy Now Pay Later statements (Afterpay, Zip, etc.)
Child support / maintenance agreements

Property Purchase

If you're buying a specific property

Signed Contract of Sale
Property address and details
Real estate agent contact details
Solicitor/Conveyancer contact details
Building & pest inspection reports
Strata report (if applicable)

Refinancing

If you're refinancing an existing loan

Current home loan statement (last 6 months)
Current lender details and account number
Council rates notice
Home insurance certificate of currency
Recent property valuation (if available)

Additional Notes

Not all documents may be required - we'll confirm what's needed based on your situation
Joint applications require documents from all applicants
Some lenders may request additional documentation
We can help you obtain documents you're unsure about

Got your documents ready? Let's get started on your application.

Book a Consultation