Documents required for a home loan application

List of documents for home-loan application

Your mortgage broker or lender will let you know what documents are required for your application.

PAYG Income

  • Two recent consecutive payslips
  • Bank statement showing salary credit and employer’s name (last three months)
  • Letter from employer showing employer name, ABN, employee name and current base wage
  • Tax return
  • PAYG payment summary
  • Notice of Assessment
  • Employment contract

Self-employed Income

  • Last two years’ tax returns (personal and business)
  • Last two years’ financials (profit and loss and balance sheet)
  • Last two years’ Notice of Assessment

Rental Income

  • Current lease agreement
  • Real estate agency letter
  • Rental statement issued by the managing real estate agent
  • Transaction statement showing rental deposits for the last three months
  • Most recent tax return where rental properties are owned by applicant


  • Full copy of Contract of Sale
  • Evidence of funds to complete
  • FHOG application (if applicable)


  • Fixed price building contract
  • Copies of formal plans and specifications (non-council approved)
  • Builder’s Insurance
  • Council approved plans and specifications


  • Last six months’ home-loan statements
  • Last three months’ statements for other debts being refinanced (credit card, personal loan, car loan)


  • Copy of bank statements for the last three months showing genuine savings
  • Copy of superannuation statements, share certificates, etc.
  • Copy of deposit receipt paid to your real estate agent/builder
  • Rates notice on existing owned properties
  • Statutory declaration (if any part of the deposit is a gift) stating the amount and that it is a non-refundable gift


  • Most recent statements for all credit cards
  • Most recent statements for all personal loans, leases, etc.

Proof of identity

  • Passport/visa/citizenship certificate
  • Driver’s licence
  • Marriage certificate
  • Birth certificate
  • Medicare card

About the author

Obu Ramaraj Obu Ramaraj has been a mortgage broker since 2009. She has written over $80 million dollars of loans and still maintains a personal touch to all her clients, no matter how small or big your deal is because she enjoys helping people achieve their dream of buying their own property. By sharing her knowledge and experience she hopes to instil confidence in anyone looking for a home loan. Her attention to detail and drive to achieve the best result for each and every client are enviable assets in the home loan industry. Obu is passionate about helping all home buyers feel comfortable with the property buying process; however her strongest passion is to help more people become self-assured property buyers. Her goal is to increase their financial awareness and have more people buying houses from a very early age, comfortable in the knowledge that they have made the right choice for their circumstances.