What documents do I need?

  • Prepare documents in advance
  • See what is relevant to you
  • We will tell you exactly what you need
  • Ask employer for letter if required
  • Print out statements
  • Make two copies
  • Need all documents before applying
  • Print this checklist to use

Contact your Time Finance Mortgage Broker who will explain exactly what you need to have ready to get your loan application completed and lodged.

So that we can help you lodge your loan application as quickly as possible, here is a list of generally required information from most lenders. This handy checklist can help you make sure you have all the right documents to provide when you complete your home loan application.

This checklist is only a guide and all of the points may not apply to you.

Personal identification

One or more of the following forms of photographic ID

Australian or Foreign Passport

  • Australian Driver's Licence
  • Australian State or Territory issued Proof of Age Card


One of each of the following forms of non-photographic ID from the 2 groups below

Australian Birth Certificate or Extract

  • Foreign Birth Certificate
  • Australian Citizenship Certificate


  • Rating Authority - bill sighted less than 12 months old
  • Public Utility Record - bill sighted less than 3 months old
  • ATO Tax Assessment Notice less than 12 months old

First Home Owner Grant applications also require

  • Certified copies of ID
  • Change of name documentation
  • Marriage certificate

Income details

If you are an employee

Either of the following will be sufficient (ideally both):

  • The latest 2 consecutive payslips from your current employer (ideally showing the company name, number of payslip and year to date income figure)
  • A letter from your employer stating how long you have worked for the employer and your salary details (this must be signed, dated on company letterhead, including a start date, Company ABN, and year to date income)


Last year's PAYG Summary (Group Certificate)

  • Tax Assessment Notice
  • If your income includes overtime/commissions/bonuses, the following additional evidence may be required.
  • Last 2 years ATO Tax Assessment Notices
  • Last 2 years Tax Returns

If you are self employed

  • Last 2 years Tax Returns and Tax Assessment Notices for all individual applicants and all businesses
  • Balance sheets and profit and loss statements covering the most recent 2 years
  • Details of external liabilities: leases, hire purchase, overdrafts, company loans and/or guarantees
  • Documents must be signed by your accountant or registered tax agent.

Other income details (other than employment)

  • Property rental income statements
  • Dividends on shares and interest
  • Centrelink letter confirming family tax benefits
  • Centrelink letter confirming permanent government pensions
  • Private pension group certificate or statement
  • Any other regular and ongoing income 

Financial Details

Deposit, funds or Gift details

  • Evidence of 6 months genuine savings from bank statements, term deposit statements or share certificates (In some cases only 3 months evidence may be required)
  • If other funds are being put towards the purchase, evidence will be required as to where the funds are currently held
  • If the funds are being gifted, a Statutory Declaration form will be required from the person gifting you the money, or evidenced in your bank account 

Your financial commitments

  • Most recent statements for any existing loans, confirming current repayments. For example, home, personal loan, lease, hire purchase etc. Internet statements attached to the most recent original statement will generally suffice
  • Most recent statements for all existing credit cards and store cards. (If refinancing more statements may be required)
  • Additional evidence may be required where any of the above are being consolidated into the loan 

Property details

If the property is already chosen or contracts have been exchanged

  • A copy of the contract of sale (Offer of Acceptance in WA)
  • Evidence of the deposit amount already paid
  • If you are buying a strata title unit, you will require a copy of the registered Strata Plan
  • If the property you are purchasing is a Company title, you will need to provide:
    • A copy of the Memorandum and Articles of Association of the company:
    • A copy of the minutes of the last three meetings held by the shareholders
    • The name and telephone number of the company secretary
    • A copy of the share certificate

If Constructing/Building a Property

  • A copy of the tender, fixed price building contract, council approved plans, specifications, building insurance, an estimate of expected building costs and any other details you may already have such as property plans and local council approvals
  • Tender/quotes must be signed by the licensed builder, showing the builder's license number and be dated within the last 14 days and must state that the price will remain firm for at least 60 days

If refinancing

  • You will need a letter from your current lender which states the amount they require to finalise your loan, the original purpose of the loan and the date the loan commenced. You will also need to provide copies of the latest loan statements for a period of at least 12 months
  • A copy of your most recent Council Rates Notice

If you are going to rent the property

  • You may need to provide a letter from a real estate agent indicating rental income
  • If the property is already tenanted, you will need to provide statements showing rent payments, and possibly a copy of the lease agreement

If paying out a joint owner

A solicitor's letter stating the amount required to pay out the other person and a copy of the Court Order if the Family Law Act or Defacto Relationship Act is to be complied with.

To print this checklist click here

With hundreds of different loan products in the market from all lenders, it can be a daunting time to go shopping for a home loan if you are doing it yourself or don't know what to look for. The benefits of why you should use a professional Time Finance Mortgage Broker are guaranteed.

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Depends on the size of your deposit, the value of the property, and your servicing capacity (based on your income and how much you are able to repay).


Most mortgage lenders will require a deposit of 20% or more of the property price. Less may be required however will require mortgage guarantee insurance in most cases


Depends on the type of loan, intrerestr rate, payment term, and whether you pay monthly or fortnighly. Use us mortgage calculators to guide you.


Every state is different and may depend on the value, whether you are building or buying an established home. Read more in our FHOG article


It is a rate that includes both the interest rate and the fees and charges relating to a loan, combined into a single percentage figure that lets you compare loans from differengt lenders on a fair comparison.


This 'in principle approval' is usually valid for 3 months. Gives you the confidence on how much you can borrow before your purchase a property.


The cost of Stamp Duty varies between States and Territories. Subject to your personal loan circumstances, the cost of stamp duty can be included in the loan amount you borrow.

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