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