Documents Required When Applying For a Loan

To apply for a loan you will be required to provide us with the following documents:
Identification
Category 1

One of the following documents

    Driver's License
    Passport/International Travel Document
    Proof of Age Card/Birth Card from Births, Deaths & Marriages (includes photo and signature)

or a combination of a Category 2 plus a Category 3 document
Category 2

    Birth Certificate or Extract
    Citizenship Certificate
    Pension Card

Category 3

    Government Financial Benefits Notice
    Australian Taxation Office Notice
    Local Government or Utility Notice

Proof of Income
Wage and Salary earners

    The most recent Statement of Earnings or Tax Assessment Notice plus one of the following:
    A payslip that is no more than 4 weeks old covering at least 2 pay periods (eg. Year to Date) or where the payslip does not provide the required two pay periods, a minimum of 2 current consecutive payslips
    A current letter from your employer on their letterhead & signed stating your gross income, length of employment and employment status together with your most recent Statement of Earnings from that employer.
    Where overtime or allowances are included in your regular income, confirmation that it has been consistent for at least 6mths (eg. Latest Statement of Earnings or Current YTD figure)

Self Employed Applicants

    Personal tax returns plus your business entity's tax returns, financial statements and the corresponding Statement of Earnings (Tax Assessment Notices) for the two most recent financial years

Family Tax Benefit

    Statement of income/letter from Centrelink, no more than 4 weeks old, showing the type of benefit received and the information used by Centrelink to calculate the payment

Child Support

    A copy of your latest assessment form provided by the Child Support Agency and 6mths payments evidenced via savings statements

Rental Income*

    A current letter or statement from the Managing Real Estate Agent OR
    A current letter from a Real Estate agent stating a fair and reasonable rental estimate OR
    Latest taxation evidence of rent currently being earned (Must be less than 12mths old)

* Where income is received for a serviced apartment or a holiday rental, evidence must cover the last 12mths
Evidence of Current Loans

    Documents confirming that any loans you currently have are up to date eg. Recent statement showing name, account number, monthly repayment, credits, debits & loan balance
    Most recent statement for credit/store cards and interest free loans

Assets

    Real Estate - Land Rates Notice, Water Rates Notice or Title Deed
    Motor Vehicles - Registration Papers or Receipt of recent purchase
    Savings or Shares - Copy of the latest statement or Holding Certificate
    Superannuation - Confirmation of any unrestricted non-preserved portion

Residential Status

    Home Owner/Buyer - Copy of latest Land Rates Notice, Water Rates Notice or Title Deed
    Home Renter - Evidence of the total amount of rent and that it is paid up to date eg. Copy of rent receipt
    Boarder - Letter from parent or guardian confirming residency status

Refinance and Consolidation Loans

    Statements for the last 6 months for home loans being refinanced
    Statements for the last 3mths for personal/consumer loans
    Most recent statement for credit/store cards and interest free loans
    Evidence that council rates, water rates and body corporate levies (if applicable) are paid up to date
    A current House Insurance policy (if your home is being used to secure the loan)
    A copy of your previous loan contract or facility agreement (if you are claiming a stamp duty exemption on a mortgage loan)

Property Purchases

    Evidence of your deposit
    6 months of savings account statements or
    Proceeds of sale letter from your Solicitor or
    A statutory declaration for any gifts being provided to you
    A certified copy of the contract for sale

Construction Loans

    Copy of fixed price building contract
    Council approved plans and specifications

Home Improvements

    Quotes for any work being completed
    Copy of quotes and council approved plans of any structural improvements (eg. adding to existing home or erecting a garage)

New Boat, Caravan or Motor Cycle, New or Used Car Loans
Private Purchases (cars Only)

    Current registration papers
    Vehicle inspection certificate required for loans in excess of $60,000

Dealer Purchases

    Dealer's invoice

If you already own the Car

    Current registration papers
    Comprehensive insurance policy