? What to bring to your home loan appointment?
? What documents will I need to get a home loan?
When engaging the services of a Mortgage Broker as part of the process we will ask you to provide supporting documentation. This is used to assess your financial situation as the bank would, reviewing assets and liabilities, income, expenses and savings and finally your ability to repay the loan.
?♀️ What supporting documentation do we ask for?
Proof of ID (100 point check)
Passport and/or drivers Licence
Birth Certificate, credit or debit card or a Medicare card
Income Details
Wage or Salary employee
2 of your most recent pay slips
Latest Notice of Assessment or PAYG Summary
Self–employed
Last 2 years tax returns
Last 2 years Notice of Assessment
** Others documents may be requested depending on the structure of your business/Company
Other, if applicable
If you have rental properties, you’ll need a current signed Lease agreement, rental statements and/or bank statement showing regular rental payments to your account.
Evidence of Savings
Term deposit statement or savings account statement for the last 3 months
Current Loans or Credit
Credit Card and loan Statements, this included Interest free credit cards, store cards, Afterpay and ZipPay facilities for the last 6 months.
Regular Expenses
Knowing how much you spend on things on a regular basis such as:
- Rent
- Utilities
- Insurance
- Food
- Childcare Fees/School
Insurance Details
Annual Superannuation Statement
Insurance policies you hold including life, TPD or trauma and income protection insurance
If applicable:
Purchasing a New House
Signed copy of the contract of sale
If you’re building your home, a builder’s contract and approved building plans
Refinancing your home loan or Investment Loan
Last 6 months home loan statements
Rates notices for the property being refinanced
✔ When you engage the services of Greater Geelong Finance we take the time to get to know you, your situation and your goals. We will walk you through the process and the documents required for your situation and request them prior to an initial appointment so we can properly review your situation and offer you the most accurate advice in a timely manner. The quicker you can provide this information the quicker we can get you a loan and get you into your dream home.
Remember you are important to us and your information is always kept private and confidential.
If you want to learn more, check out other articles on our blog that may be of interest. https://greatergeelongfinance.com.au/blog/
Like to get into your dream home sooner, work with Julie.
Give me a call.
? 0437 095 312
? Julie@greatergeelongfinance.com.au
? https://greatergeelongfinance.com.au/
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