Home Buyers' Resources

Preliminary checklist of what you'll need to gather:

• 100 Point ID (Passport 70 points, Birth Certificate 70 points, Drivers Licence 40 points. One only of the following type: credit cards 25 points, utility bill 25 points, rates notice 25 points).
• Last two consecutive computerised pay slips showing year-to-date income or a recent letter from your employer confirming commencement date and employment details
• Proof of other income (bonuses, commissions and average overtime pay, rental income or a rent appraisal, Centrelink payments and child support).
• If you are self employed, the last two years company tax returns, profit & loss and balance sheet and the last two years personal tax returns
• Proof of assets: bank statements, share statements, rates notices or copy of Title for properties owned
• Proof of liabilities: credit card statements showing credit limits, personal loans, car loans/leases/hire purchase contracts, guarantees to other loans, school fees, child support payments
• If self-employed, details of company loans, leases and overdrafts
• If you are purchasing a property, the front page of the Contract of Sale
• If you are refinancing a home loan, the last 12 months statements showing repayment history
• If you are self employed and don't wish to provide proof of income, you will be required to complete a declaration of income and possibly an accountants letter.
• If you have any questions about the information required by lenders and to explain the process, please call me.