Home Loan Application Checklist
Finance Broker Canberra Document Checklist
Method And Assumptions
This checklist computes nothing and does not estimate approval. It lists common document categories used in Australian home-loan preparation. The benchmark sources are ASIC (Australian Securities and Investments Commission) MoneySmart consumer guidance and ordinary broker document practice. It assumes the borrower will receive personal credit assistance from a licensed broker before acting.
Use this checklist to prepare for a broker callback. It does not replace personal advice, but it helps you find missing documents before lender assessment.
- Photo ID and Medicare details: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Recent payslips or income records: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Tax returns for self-employed borrowers: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Bank statements showing savings history: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Credit card and personal loan statements: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Current home loan statement if refinancing: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Contract of sale if already signed: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Builder contract for construction loans: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Rental estimate for investment property: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Evidence of deposit source: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Budget for stamp duty and costs: this matters because incomplete evidence can slow assessment or change which lender policy fits.
- Questions about concessions or guarantees: this matters because incomplete evidence can slow assessment or change which lender policy fits.