Home loan document checklist
What documents might you need?
When applying for a home loan, lenders generally request a range of documents to verify your identity, income, expenses, and financial position. While requirements vary by lender and loan type, here is a general guide to what you may need to prepare.
Identification
- Current driver's licence or passport
- Medicare card
- Proof of current address (e.g. utility bill or bank statement)
Income verification
- Recent payslips (typically the last two to three)
- Most recent group certificate or payment summary
- Employment contract or letter (particularly for new roles or probation)
- Tax returns and Notices of Assessment (especially for self-employed borrowers)
Financial position
- Bank statements (typically the last three to six months for savings and transaction accounts)
- Details of existing loans, credit cards, or other debts
- Superannuation statements (in some cases)
- Evidence of genuine savings, if applicable
Property details
- Contract of sale (if you've already found a property)
- Council rates notice
- Rental income evidence (for investment properties)
A note on preparation
Having your documents organised and ready can help the application process move more smoothly. Our team provides guidance on what you'll likely need and helps you prepare well in advance of lodgement.
General information only. The content on this page is general in nature and does not constitute personal financial advice. It does not take into account your individual objectives, financial situation, or needs. Before making any financial decisions, consider whether the information is appropriate for your circumstances and seek independent professional advice if needed.
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