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Document Checklist | Loan Application Documents | Mortgage & Finance Advisory
Application Guide

Document Checklist

Select your situation below to see which documents you'll likely need for your finance application.

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Important Information

This checklist is a general guide only and may not include all documents required for your specific situation. Lender requirements vary and additional documentation may be requested during the application process. We'll confirm exactly what you need once we assess your individual circumstances.

Tell Us About Your Application

Select your options to generate a personalised checklist

Type of Finance
Home Loan (Owner Occupied)
Investment Property
Refinancing
Construction Loan
Business / Commercial
Asset Finance (Vehicle/Equipment)
Employment Situation
PAYG Employee (Full-time/Part-time)
Casual Employee
Self-Employed / Business Owner
Contractor
Retired / Pensioner
Additional Circumstances
First Home Buyer
Using a Guarantor
Have Rental Income
Using Equity from Existing Property

Identity Documents

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Australian Driver's Licence (both sides)
Current and valid, showing full name and current address
Australian Passport (photo page)
Current or expired within last 2 years. Foreign passport with valid visa also accepted.
Medicare Card
Current card showing your name

Income — PAYG Employee

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Last 2 consecutive payslips
Most recent payslips showing YTD earnings, tax withheld, employer name
PAYG Payment Summary or ATO Income Statement
Most recent financial year — download from myGov/ATO
Employment letter confirming ongoing employment
Required for casual employees — confirming hours, tenure, and ongoing work
Employment contract or letter of offer
If started new role within last 12 months or on probation

Financial Position

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Savings & Assets

Transaction account statements (3 months)
All accounts where salary is deposited and bills paid
Savings account statements (3 months)
Showing deposit history and savings balance
Term deposit / investment statements
If using investments toward deposit or demonstrating assets

Existing Debts & Liabilities

Credit card statements (most recent)
All cards — showing limits and current balances
Personal loan / car loan statements
If applicable — showing balance, repayments, remaining term
HECS/HELP debt balance
If applicable — from ATO or myGov
Buy Now Pay Later balances
Afterpay, Zip, etc. — if any active accounts

Tip: Download PDF statements from internet banking where possible — these are usually accepted and preferred over scanned paper statements.

Property Documents — Purchase

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Contract of Sale (fully signed)
Complete contract including all pages, schedules, and signatures
Section 32 / Vendor Statement (VIC only)
Vendor disclosure statement
Deposit receipt / proof of payment
Evidence of deposit paid to agent or trust account

Ready to Get Started?

Once you've gathered your documents, book a consultation and we'll guide you through the next steps.

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