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Home Loan Documents

Our popular articles on home loan documents

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.

  • Hudson

    How can I buy some time so that I could provide the docs after some time whilst proceeding with the home loan simultaneoulsy?

  • Hi Hudson,

    The lenders typically want to ensure that the documents provided are less than 6 weeks old, and they’ll ask for more documents if they’re not satisfied. They’ll refer back the loan and ask for appropriate documents before they give an approval for the home loan application.