Documents required for a home loan application

List of documents for home-loan application

Your mortgage broker or lender will let you know what documents are required for your application.

PAYG Income

  • Two recent consecutive payslips
  • Bank statement showing salary credit and employer’s name (last three months)
  • Letter from employer showing employer name, ABN, employee name and current base wage
  • Tax return
  • PAYG payment summary
  • Notice of Assessment
  • Employment contract

Self-employed Income

  • Last two years’ tax returns (personal and business)
  • Last two years’ financials (profit and loss and balance sheet)
  • Last two years’ Notice of Assessment

Rental Income

  • Current lease agreement
  • Real estate agency letter
  • Rental statement issued by the managing real estate agent
  • Transaction statement showing rental deposits for the last three months
  • Most recent tax return where rental properties are owned by applicant


  • Full copy of Contract of Sale
  • Evidence of funds to complete
  • FHOG application (if applicable)


  • Fixed price building contract
  • Copies of formal plans and specifications (non-council approved)
  • Builder’s Insurance
  • Council approved plans and specifications


  • Last six months’ home-loan statements
  • Last three months’ statements for other debts being refinanced (credit card, personal loan, car loan)


  • Copy of bank statements for the last three months showing genuine savings
  • Copy of superannuation statements, share certificates, etc.
  • Copy of deposit receipt paid to your real estate agent/builder
  • Rates notice on existing owned properties
  • Statutory declaration (if any part of the deposit is a gift) stating the amount and that it is a non-refundable gift


  • Most recent statements for all credit cards
  • Most recent statements for all personal loans, leases, etc.

Proof of identity

  • Passport/visa/citizenship certificate
  • Driver’s licence
  • Marriage certificate
  • Birth certificate
  • Medicare card