Home loan document checklist

IN terms of the information required this largely depends on the chosen lender and the type of loan you are applying for. Here is a rough guide on what you need to have when meeting a ratesonline broker.

The Proper Identification

  • An Australian Passport, Birth Certificate, other passport and Permanent Residency Visa
  • Marriage certificate if applicable
  • Driver's License

Documents required for Purchases or Construction loans

  • Copy of the Contract of Sale
  • Building specifications and plans including Builder's License No.

Documents Required for Full doc loans


  • 2 latest pay slips
  • Tax Group Certificate
  • Bank statements


  • Business and ABN details
  • 2 years tax returns & 24 months financial statements
  • BAS statements (current year)

Other Income

Rental Statements & leases

Rental appraisal from Real Estate Office

Documents Required for Lo doc loans

  • Lo-doc declaration signed filled in and dated
  • ABN + GST registration
  • Accountant Letter

Documents Required for ALL LOANS

  • Last 6 months savings statements
  • A Statutory declaration for any gifted funds
  • Line of credit statements

For re-finance:

  • Last 6 months of loan statements NOT MORE THAN 6 WEEKS OLD (ONE ORIGINAL REQUIRED)
  • Last 3 months Credit Card statements
  • council / water rates notice

Further requirements - If Applicable

  • Completed First Home Owner Grant application form 
  • Credit Impairment/Bankruptcy explanations

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