What information is required

Income details

Personal

  • Last two (2) years personal tax returns
  • Last two (2) years Notice of Assessments
  • Last three (3) most current payslips
  • Last two (2) years group certificates

Business

  • Last two (2) years business tax returns
  • Last two (2) years Profit & loss reports
  • Last two (2) years Balance Sheet reports

Last three (3) months statements for all existing personal loans, credit cards and store cards


Last three (3) saving account statements

 

Purchases

  • Bank statement showing deposit funds held ( min 3 months evidence if 5% deposit)
  • Copy of the Offer & Acceptance

Refinancing

  • Last six (6) months existing home loan statements
  • Construction loans
  • Copy of plans & specifications
  • Copy of Fixed price building contract

Identification

  • Copy of 100 point Identification
  • Passport / Birth certificate / Drivers licence

Additional information required

List of assets and market values

  • Property
  • Vehicles
  • House contents
  • Superannuation
  • Tools
  • Savings

Idea of living expenses is extremely important especially with the recent changes in policies. We need to provide 3 months bank statements to show spending pattern along with itemising expenses such a the following :

  • groceries
  • Utilities
    • Electricity
    • Water
    • Gas
  • Memberships
    • Sporting clubs
    • Gym
  • school fees
    • uniforms
    • Books
  • rates
    • Water rates
    • Land rates
  • phone
    • House phone
    • mobile phones
  • motor vehicle
    • Petrol
    • Insurance
    • Registration
    • Servicing / maintenance
  • Insurance
    • House
    • Car
    • Contents
    • Life
  • board
  • internet
  • Entertainment
  •