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What Is Required?  

Welcome to Specialist Home Loans

  • 10 years experience in Mortgage Lending
  • Choice of your own Lender as 1st option
  • Home and Investment Loans  
  • Constrution Loans
  • Refinancing 
  • 95% Home Loans (conditions apply)
  • Commercial Loans
  • Low-Doc Loans for Commercial 
  • Leasing and Hire Purchase  
  • Free advice & guidance through the maze of options

     

  • Our Survey


     

    What Is Required For A Loan?

     

    Identification

    • 100 point ID check required
    • Copy of Driver's licence and either one of a birth certificate or passport will be sufficient

    Income (PAYE)

    Generally, One of the 4 listed below.

    • 2 most recent payslips from your employer
    • Signed letter from your employer showing income and other employment details
    • Recent Group Certificate
    • Bank statements with detailed narrative covering 3 month pay periods

    Income (Self employed)

    • Last 2 years tax returns, both company and personal.

    Low Doc Loan

    With Low Doc Loan, we don't require above income evidence.
    Conditions apply. Please give us a call for further information.

    Home Loan Purchase

    Most lenders require a minimum of 10% of the purchase amount. You also need to show genuine savings of at least 5% of that deposit, meaning that you require bank statements to show that you have been saving for over 3 months if you borrow over 80% of the valuation.

    However if you don't have a genuine saving, please call us. Some of your lenders are flexible on this matter.

    A contract of sale is required for the purchase os a property and this will have the address of the property and be signed by both Vendor and Purchasers.

    Also required is the name, address and phone number of the conveyancer or solicitor acting on your behalf to settle the property purchase.

    Refinance / Debt Consolidation Requirements

    • 6 months Home Loan statements
    • Council Rates Notice
    • 6 months statements of any loans, Credit Cards etc that are to be paid out

    Latest Announcement!
  • Current Special :

  • 2 year fixed Rate: 4.69%     (Comparison Rate: 5.13%) *   
  •                                                                                                                                                                                         
  • * The comparison rates are based on a loan amount of $150,000 over a loan term of 25 years. WARNING: The comparison rates are true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in different comparison rates.  

     


  •  Save with confidence

    Save interest on your mortgage while you keep your money handy with  our advice.


     

     


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    Phone: 61 + 02 9707 8988
    Fax: 61 + 02 9707 4311
    26 Greenfield Pde,
    Bankstown NSW 2200
    Email: info@specialisthomeloans.com.au
    Website: www.specialisthomeloans.com.au
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