What to bring?

Before our first chat, gather the paperwork below so we can fast-track your approval and give you accurate options.

Bring current photo ID (driver’s licence or passport; birth certificate if you don’t have the latter) and your Medicare card. For income, PAYG employees need the last two-three payslips plus two years’ income statements; business owners add two years’ personal and business tax returns, BAS for 12 months and financials. Provide rental or Centrelink income, child-support evidence, all loan and credit-card statements, living-expense estimate, recent bank and super statements, asset details, mortgage history and any contract of sale or conveyancer contacts.

Personal Identification:

Driver’s License (current)

Passport (current)

Medicare Card

Birth Certificate (if no passport)

Financial Information (Income)

For PAYG Employees:

Most recent 2–3 payslips

The last 2 years of Group Certificates/Income Statements

For Self-Employed/Business Owners:

Last 2 years of Personal Tax Returns (including Notice of Assessment)

Last 2 years of Business Tax Returns and Financial Statements (Profit and Loss, Balance Sheet)

Business Activity Statements (BAS) for the last 12 months

Other Income (if applicable):

Rental income statements

Centrelink statements

Child support/spousal maintenance documents

Liabilities & Expenses:

Recent statements for all liabilities (loans, credit cards, car loans, personal loans)

Approximate monthly living expenses (e.g., groceries, utilities, transport, entertainment)

Any existing mortgage statements

Savings and Assets:

Most recent 3–6 months of bank account statements (showing savings and day-to-day transactions)

Superannuation statements

Details of any other assets (e.g., shares, investments, other properties)

Property-Specific Documents (if buying/selling property):

Contract of Sale (if you have one)

Real estate agent’s contact details

Conveyancer/solicitor’s contact details