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Home loan application checklist

By Newcastle Permanent

A handy checklist to what you’ll need before applying.

Starting your home-buying journey should feel exciting, not stressful. To help make things easier, we’ve created a simple checklist that outlines what you may need when applying for a home loan. Think of it as a starting point to get you organised and feeling in control from day one. And if you’d prefer someone to guide you through it, our friendly home loan experts are always here for you.

Personal and income documents Savings, debts and property details

Proof of ID

  • Passport (Australian or foreign + visa grant notice)
  • Australian driver licence / Photo ID Card
  • Birth certificate / citizenship certificate / descent certificate
  • Medicare / Centrelink / DVA card.

Proof of income

Wage/salary

  • Most recent payslip (≤6 weeks)
  • Latest income statement or tax return.

Self-employed

Our home lending experts will advise in your appointment what financial information will be required.

Investors

  • Income/valuation statement (≤3 months)
  • Latest personal tax return + Notice of Assessment.

Rental income

  • Agent-managed: Full monthly rental statement (≤2 months)
  • Self Managed: Latest tax return; AND either 2 months transaction statements
  • Holiday let/serviced apartment: Evidence of income received over past 12 months.

Other income

  • Government payments: 2 months bank statements or letter from government provider

Deposits and savings

  • 3 months savings statements
  • Gift Statutory Declaration
  • Deposit receipt

Please speak to one of our home loan experts for more information about funding a deposit for a home loan with the assistance of the Australian Government 5% Deposit Scheme.

Liabilities

Details of outstanding debts, like credit card or loans, including how much you owe and your repayment amounts.

Purchasing a property

  • Property to be purchased
  • Contract front page or sales advice.

Refinancing your mortgage

  • Rates notice
  • Recent Home Loan Statement.

Home to be constructed

  • Copy of Builders Tender or contract
  • Copy of plans and specifications
  • Copy of Land Rates Notice.

Please note: Original documents are required. Further documentation may be requested upon analysis of the application and documents provided.

This article is intended to provide general information of an educational nature only. Terms, conditions, fees, charges and credit criteria apply. Information in this article is current as at the date of publication.

This article is intended to provide general information of an educational nature only. Terms, conditions, fees, charges and credit criteria apply. Information in this article is current as at the date of publication.

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