Information You Need
You will need:
- 100 Points of ID (Passport & Birth Certificate recommended)
- Verification of any rental or other income
If you are not an Australian resident, you also need:
- Evidence of FIRB compliance
If you wish to Refinance, you need:
- The most recent six months' worth of loan statements for all debts being refinanced (you may need 12 months worth of statements for some types of loans)
- A copy of a Council Rates Notice or Certificate of Title (title particulars must be provided)
- Discharge authority from you current loan provider (for example, your bank)
If you wish to Purchase, you need:
- The most recent six months' worth of bank statements proving savings for the deposit
- Copy of executed Contract of Sale (executed by all parties)
If your income is PAYG (or salaried if you or your partner are a non‐resident), you need:
- Income Documentation
- Your two most recent pay slips
- Plus, one or more of the following:
P.A.Y.G. Payment Summary for the last two financial years
Australian income tax returns for the last two financial years
Letter signed by employer detailing title, duration, salary and status (full-time, etc.)
Current employment contract signed by employee and employer
If your income is from Self -Employed work, you need:
- Australian tax returns for both individual and business entities for the last two financial years (inclusive of balance sheet and profit and loss statement)
- Tax assessment notice as required
- Letter from your accountant certifying your accounts (in support of the above)
- Confirmation of rental income for existing investment properties
If you will be utilizing Companies and/or Trusts as part of this loan:
- Australian tax returns and tax assessment notices for the last two financial years (inclusive of balance sheet and profit and loss statement)
- Australian tax returns and tax assessment notices for Directors/Guarantors for the last two financial years
- Letter from accountant certifying accounts (independently obtained by you from the preparer)
- Confirmation of rental income for any investment property (other than for any that you have not yet purchased)