Aussie’s checklist of home loan documents

Helping you fast-track your application

Whether it’s for your first home, an investment property, or you’re looking for a bigger place for a growing family, getting a home is an exciting time. It’s one of life’s biggest commitments, so we’re here to make the process as stress-free as possible. 

Listed below is a guide of the types of documents your broker may require. If you have them on hand bring as many as you can to your appointment as this will help your broker understand your financial circumstances.

General supporting documents

  • Your broker will need to sight two forms of ID – driver’s licence, passport or birth certificate
  • Bank statements showing evidence of at least three months’ genuine savings
  • Three most recent statements for each of your credit cards
  • Most recent superannuation statement
  • Most recent home and contents insurance policy
  • Your most recent statements of any term deposits, shares and other investments you may have
  • Most recent PAYG payment summary from your employer or tax assessment
  • Two most recent pay slips
  • If you’re self-employed – your last two years of personal and business tax returns and ATO assessments, including P&L statements.

Are you refinancing an existing home loan?

You’ll also need to bring:

  • Six months of statements for all home loans you wish to refinance
  • Statements for any personal loans and/or credit cards you’d like to consolidate
  • Most recent council rates notice and your building insurance policy document
  • Most recent strata notice (if applicable).

Are you buying a new home?

You’ll also need to bring:

  • Details of the property you want to purchase, if already known (e.g. a copy of the sale contract).

Are you building a new home?

You’ll also need to bring:

  • A copy of the construction plan, specifications and builder’s fixed price tender documents (if available) – including builder’s licence number, insurance, and council approved plan.

Are you investing in property?

You’ll also need to bring:

  • Details of any existing investment property income – a copy of the lease agreement, rent appraisal or receipt of rental income
  • And if you’re a first time investor – any details of the property you’re purchasing, if already known (e.g. a copy of the sale contact), and any rent appraisal you may have.

Your initial appointment will take around 60 minutes.

At the end of your meeting, you’ll understand how much you can borrow and all the costs associated with buying or refinancing your new home.

And the great thing is, meeting with an Aussie broker is a free service.