The following items will be required with your loan application

( A ) - Owner-Occupied Home Loan, Investment Loans,
Loans for Vacant Residential Land

1. signed contract of sale
2. a receipt for the deposit paid
3. verification of your income – such as a pay advice, group certificate, taxation return for self-employed persons, or financial statements for the previous 2 years (minimum)
4. evidence of savings – such as savings passbook, bank statements, investment certificates etc.
5. acceptable identification (as required by Federal Government legislation) For individuals the identification requirements can be satisfied by the following documents: Driver's Licence, Credit Card, Electricity or Gas Bill, Rates Notice, Medicare Card, Tax Assessment Notice. Only two of these documents are required if you also have the following: Birth Certificate, Citizenship Certificate, Passport. Some other documents which help establish your identity may also be accepted. For incorporated entities identification may include a Certificate of Incorporation and individual identification of all Directors as outlined above.

( B ) - Loans for Home Construction (all items listed for A – plus)

1. a copy of the Plan
2. satisfactorily completed specifications
3. a quote for construction/copy of building contract

( C ) - Loans involving Refinancing, Debt Consolidation, Home Equity Loans

1.  last receipted Rates Notice
2.  home insurance schedule
3.  minimum of last 6 months statement of any accounts being paid out
4. verification of income (as listed in A)
5. Acceptable identification (as listed in A)

( D ) - Low Doc

1. Where financials are not available, borrowers must state their income from all sources. Based on this stated income a normal servicing criteria must be met. A statement attesting to income and affordability ( standard form provided ) is to be submitted with the initial application.

* Conditions Apply