Home Loan Document Checklist

A general guide — your broker will confirm exactly what's needed for your application.

Personal Identification

100 points of ID required by most lenders

Driver's licence

Passport or Birth Certificate

Medicare card

Income & Employment

Proof of stable income for serviceability

2 most recent payslips

Showing employer name, ABN, year-to-date figures

Latest tax return or Notice of Assessment

Employment contract or letter from employer

Self-Employed

Additional documents if you run your own business

Last 2 years' personal and business tax returns

Last 2 years' Notices of Assessment (ATO)

ABN registration confirmation

Business financial statements (profit & loss, balance sheet)

Accountant's letter confirming income (if required)

Assets & Liabilities

Your financial position snapshot

Bank statements — all accounts, last 3 months

Savings, everyday, term deposits

Details of existing loans, credit cards, or debts

Superannuation statements

If the loan term extends into retirement age

Share portfolio or investment statements (if applicable)

Property Information

If you're purchasing or refinancing

Contract of Sale

If you've already found a property

Details of deposit or savings for the property

Building or pest inspection reports

If already conducted

Current loan statement

If refinancing an existing property