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Checklist of loan documents

Get organised with our suggested document checklist

Lenders typically require similar documents when assessing loan applications. Having these ready can streamline the process and help you get approved faster.

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What documents should I bring?

To keep the process moving forward, bring the documents listed below to your meeting with your broker.

This is a general checklist – some may not apply to you and we can help you figure out which ones you need.

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FAQ

Not sure which documents you need?

Bringing the right documents can help speed up your loan application.

If you’re unsure what you need, we’ve got you covered.

Have other questions that need an answer?

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What personal identification do I need to provide for a home loan application?
You’ll need a current passport or birth certificate, plus your driver’s licence. If any of these documents are in your maiden name, you’ll also need to provide a copy of your marriage certificate. Additional useful ID includes your Medicare card, credit or debit card, council rates notice, or a pensioner concession, health care, or tertiary student ID card. Not sure what applies to you? The team at Guzman Finance can talk you through exactly what’s needed for your situation.
Self-employed applicants generally need to provide their last two years of personal and business tax returns, along with the corresponding ATO assessments. Lenders may also request other income details, such as rental income statements, dividend or interest income, or documentation of any government benefits you receive. Guzman Finance can help you pull together the right paperwork before you meet with a lender.
For refinancing, you’ll need documentation on your existing loan, including when it commenced, the loan period, and any early exit penalties. You’ll also need six months of statements for your current home and personal loans, your most recent council rates notice and building insurance policy, and your latest credit card statement (or six months of statements if you carry a balance). Guzman Finance can help you compare this against your new loan options.
If you already own investment properties, you’ll need evidence of rental income, a copy of the tenancy lease, a council rates notice, and a letter from a property manager estimating likely rent for the new property. You’ll also need six months of savings and investment statements, a copy of the Contract of Sale, and your most recent credit card statement. Guzman Finance can guide you through what’s needed for both existing and new investment purchases.
For a construction loan, you’ll need a valid fixed-price tender from your builder that includes all specifications, along with a copy of your council-approved plans. On top of this, lenders will ask for six months of savings and investment statements, your most recent credit card statement, and a copy of the Contract of Sale for the property. If you’re building your first home or your next one, Guzman Finance can help make sense of the paperwork involved.