PROOF OF IDENTITY:

With Cashback requires 100 points of identification include photographic identity.

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/Health Care/Medicare Card issued by Centrelink 25 Points
Rates Notice issued by government body 35 Points
Utilities or phone bill 25 Points

YOUR INCOME:

To determine if you are able to service your loan application, we need to review your income by looking through the following documents.

  • Two of the three most recent computer generated pay slips or 3 months statements from financial institution showing regular salary credits with name of employer evident plus:
  • Group Certificate for the most recent year, or
  • Tax Return and assessment Notice for the most recent year
  • Tax Returns for the past 2 years for both individuals and all business entities
  • 2 years Full Financial statements for all business entities, to include profit and loss and balance sheet
  • 2 years Personal Tax Assessment Notices

YOUR PRPOPERTY:

Whether purchasing a new home or refinancing an existing loan, we ask for details regarding bank accounts and particulars involving your property.

  • Fully executed purchase contract
  • 3 months savings history – evidenced by bank statements (if applicable)
  • 3 month statements of all credit cards
  • 3 months statements of all bank accounts
  • Evidence of funds to complete e.g. bank statements, sale contracts, statutory declarations for gifts
  • First Home Owners Grant (FHOG) application form (if applicable)
  • 6 months current loan statements on loan to be refinanced
  • 3 month statements of all credit cards
  • 3 months statements of all bank accounts
  • Recent Council Rates Notice
  • Discharge Authority

RENTAL INCOME:

Your investment property can be used as an additional form of income. Provide us with:

  • Current rental/tenancy agreement or Copy of rental statement(s) from managing agent or if a purchase managing agent estimated minimum rental income

CONSTRUCTION:

For all construction loans, we require:

  • Building contract or tender & draft council plan/specification