100 points of ID from:

• 70 Points – Passport or Birth Certificate
• 40 Points – Drivers License
• 35 Points – Rates Notice
• 25 Points – Eftpos or Credit Card
• 25 Points – Utility Bill
• 25 Points – Medicare Card


PAYG Applicants

Pay Slips: 2 of the 3 most recent* computer generated payslips; or 3 months Bank Statements reflecting direct salary credit from employer.

*Most recent payslip must not be more than one month old as at the application lodgment date.

Self-Employed Applicants

    • Tax Returns – ATO lodged Tax Returns for last two financial years
    • Tax Assessment Notices

For Low Doc applications: Account Statements (last 6 months) or ATO lodged BAS (last 12 months) if loan ratio above 60%

    • Accountant Declaration if loan ratio under 60%
    • Signed Low Doc Declaration Form

Other Income

    • Rental income – copy of lease agreement / bank statements / most recent rental statement from real estate agent
    • Investment income (supported by last 2 financial years’ Tax Return)

Refinance Documents

    • Last 6 months statements no older than 4 weeks at time of submission
    • Copy of Rates Notice (paid and up to date) or copy of Title

Savings History/Gift

    • Last 3 months consecutive history and balance of funds to complete transaction
    • Gift – Statutory Declaration (signed and witnessed by authorised person)
    • Evidence of funds to complete transaction (i.e. equity from other security, borrowed funds)

Purchase Documents

    • Executed copy of Contract of Sale
    • Copy of deposit receipt (where 5% or greater deposit has been paid)

Construction Loans

    • Executed copy of Contract of Sale for Vacant Land (where applicable) OR Copy of Title
    • Executed copy of Fixed Price Building Contract


    • Original certified copies of ID
    • Contract of Sale
    • Original and executed FHOG application form
    • Completed AND signed Authority to Use FHOG for Payment towards Construction Costs