Documents You Need

Home loan applications can feel overwhelming, but organizing your documents beforehand makes the process smoother.

Lenders must verify your ability to repay the loan based on your financial situation. This requires providing evidence of your income and expenses through proper documentation. Here’s what most lenders need and the documents they accept.

PROOF OF IDENTITY:

We requires 100 points of identification, including photo ID.

At least one of the following
Driver’s License 40 Points
Australian Passport 70 Points

 

Secondary documents for 100 points
Birth Certificate 40 Points
Citizenship Certificate 70 Points
Pension / Medicare Card 25 Points
Rates Notice 35 Points
Utilities or phone bill 25 Points

YOUR INCOME:

To assess your ability to service your loan, we’ll review your income.

PAYG

  • 2 most recent payslips

  • most recent tax return or MyGov income statement

Self-Employed

  • 2 years tax returns

  • 2 years Notice of Assessment

  • 2 years financial statements for the business

Bonus, Commissions and Overtime

  • payslips showing 2 years of bonus and commissions

  • end of financial year payslip showing overtime

Company and Trust Structures

  • 2 years tax returns for the company

  • 2 years tax returns for individuals

  • 2 years ATO Notice of Assessment for individuals

  • 2 years financial statements for the company

YOUR PROPERTY:

Whether you’re buying a new home or refinancing, we’ll need information about your bank accounts and property.

New Purchase

  • executed purchase contract

  • 3 months savings statements

  • 3 months credit cards statements

  • confirmation of funds to complete

  • First Home Owners Grant form (if applicable)

Refinance

  • 6 months loan statements

  • 3 months savings statements

  • 3 months credit cards statements

  • recent council rates notice

  • discharge authority

RENTAL INCOME:

Your investment property can serve as an additional source of income.

  • rental statement from managing agent

  • or managing agent rental appraisal

SELF-MANAGED SUPER FUND:

We require documents such as your trust deed, recent financial statements, and proof of rental income.

  • certified Super Fund Trust Deed

  • certified Property Trust Deed

  • variations to Super Fund Trust Deed (if any)

  • certificate of registration SMSF Trustee company

  • certificate of registration SMSF Bare Trustee company

  • 2 years SMSF tax returns

  • 2 years SMSF audits

  • 2 years SMSF financial statements

  • 3 months Cash Management Account statements

  • 3 months loan statements

CONSTRUCTION:

For your construction loan and stages.

  • building contract or tender & drafted council plans

Speak with our loan experts

Monday to Sunday  9am – 10pm (Melbourne time)

1300 685 008

Assess your situation

See if you qualify

Discuss your scenario with us.

Buying or refinancing?

Apply today and start saving

We’ll reach out within 1–2 business days.

The comparison rates are based on a secured loan of $150,000 over a term of 25 years. WARNING: Comparison rates provided are examples only. Your circumstances may involve different amounts and terms, resulting in different comparison rates. Please contact With Cashback for a clearer understanding of your fees and costs.

This information is provided by With Cashback Pty Ltd (ACN 620 888 502) as an Authorised Representative (number 502385) under FreedomLend Pty Ltd (ACN 604 868 957), holder of Australian Credit Licence 498325. It does not take into account your objectives, financial situation, or needs. You should consider whether it is appropriate for you.

Interest rates are subject to change at any time. The applicable interest rate will be the rate on the day of settlement for new loans or the day of processing for variations to existing loans. Lending criteria, fees, and terms and conditions apply.