Assets

Bank statements showing your savings history (usually for the most recent three months). Statements of the value of any other assets you own including superannuation, shares, motor vehicle and home contents (e.g. member statements, share certificates, insurance statements). If you own other investment properties, you’ll need to provide rate notices for each property.

If your deposit (or part of it) is a gift, you’ll need a statutory declaration confirming the gift amount and that it doesn’t need to be repaid.

Expenses

Details of your rent/board payments
Council and water rates
Electricity and gas bills
Details of any extraordinary expenses (e.g. private school fees or maintenance/child support payments).

If you are buying

Copy of the contract
Copy of the certificate of title

If you are building

If you are a builder, your broker will also need to see a copy of council approved plans, the building specifications and your fixed price contract (construction/renovations) from your builder.

If you are refinancing

Your current property loan statements
Details of the home being refinanced (e.g. number of bedrooms, bathrooms, garage and /or other inclusions).

Income

Your two latest payslips or a letter from your employer stating the length of your employment and your gross and net income including regular overtime and allowances.
If you are self-employed, you’ll need your tax returns for the past two financial years and your most recent assessment notice. You may also be required to supply profit and loss statements certified by a registered accountant.
Details of any other income, bonuses, allowances or benefits   you receive (e.g. Family Tax Benefits).

Liabilities

If you have a current mortgage, you will need to provide your loan statements for the past three months.
If you have other debt (e.g. car/personal loans or credit cards), you will need to provide up-to-date statements for each.

Proof Of Identity

You will need at lease one form of photo ID:
• Passport
• Driver’s licence
• Proof of age card/Australian tertiary institution card, Department of Defence ID, Waterways/Boat licence

If you only have one form of photo ID, you will also need to supply secondary identification:

• Birth certificate
• Citizenship certificate
• Centrelink rates/electricity bill
• Medicare card
• Most recent tax assessment notice