Documents you might need - Home loans

Documents you might need

The following list contains documents you may need to complete your application for a home loan. You may only need a few items from the list below. However, we encourage you to read it carefully as it may help you to think of information that you may not have considered.

Personal information

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

Driver's licence
Passport
Photographic ID (ie Proof of Age Card, Australian tertiary institution card, Department of Defence, Waterways/Boat Licence).

If only one photographic ID document is presented, you will also need to bring one of the following documents:

Birth certificate
Citizenship certificate
Centrelink Pension Card
Medicare Card
Utilities bill (less than three months old)
Rates notice (less than three months old)
Tax assessment notice (less than 12 months old).

Property information

You will need to provide:

contract of sale
copy of certificate of title
copy of transfer of land.

If refinancing you will need:

copies of your current home loan statements
property details of the home to be refinanced (eg no of bedrooms)
if building a property, a copy of your fixed price building contract might be helpful.

Financial information

Assets

Savings / cheque account statements or passbooks
Term deposit receipts
Investment statements / certificates (eg. shares / superannuation)
Details of property or motor vehicle assets.

Liabilities

Loan statements
Credit card / store card statements
Overdraft account statements
Hire purchase agreements
Lease agreements.

Income

Group certificate or payslips
Tax return (if self - employed)
Rental properties - bank account statements, agent reports / statements
Details of any social security payments
Details of any other regular income from sources such as investments.

Expenses

Details of your rent / board payments
Council and water rate bills
Electricity and gas bills
Details on your car expenses - petrol and maintenance costs and insurance.

Ways to apply for a home loan

Telephone icon Call us direct on 1800 100 641

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