Last Updated: 18th October, 2023

Our popular articles on home loan documents


Accountant’s letter

Will an accountant’s letter get me approved?


Discharge forms

How do I request a discharge from my lender?


Default explanation letter

How should I explain my situation to the bank?


Free property valuations

Can I get a free valuation of my property?


Gift letter

Why do gifted deposits require a letter?


Loan statements

What should I provide to get a quick approval?


Loan application documents

What documents do I need?


Rental reference letter

Will my rental history count towards genuine savings?


Statutory declarations

Official stat dec templates for a loan application.



Are my payslips acceptable income evidence?


Non-Resident Documents

Will my visa be accepted?


Loan Agreement Documents

Why a mortgage broker can help

Why are banks so particular?

When assessing a home loan application, banks tend to be very picky about the documents provided.

All of the documents must be up to date, legible and must support the information you have provided on your application.

Lenders want to be sure that they are assessing your situation in the correct way, if the information they are assessing is incorrect then their decision to approve or decline your loan will be compromised.

What documents do banks need?

When applying for a loan you’ll be asked to provide income evidence such as payslips, a letter from your employer, tax returns or a notice of assessment, as well as statements to show your deposit or the existing loans that you have and even ID to confirm who you really are.

In addition to these, sometimes they will ask for additional documents such as an accountant’s letter, default explanation, gift letter or anything else they believe may be necessary.

Find out what rules they have for different documents

This section of the website is dedicated to providing templates for different letters required by banks as well as explaining the rules that apply for how old other documents are allowed to be.

As a general rule if the documents are more than 6 weeks old at the time the bank assesses the loan then they will need updated copies before they make a final decision.

We are here to help!

We are specialist mortgage brokers that can assist you to get your loan approved. If you would like to make an appointment or speak to a broker then please call us on 1300 889 743 or enquire online.