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.

  • 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.

  • dykstra

    Hi, what do we need to provide to prove evidence of building insurance?

  • Hey dykstra,
    If you need to provide evidence of building insurance, ask your insurer for a certificate of currency to be faxed to you and attach it to the signed loan agreement. Make sure that you have insured your property for the minimum amount and included your lender on the policy before you request a certificate of currency.

  • savis

    But if I go for a no doc loan, will I need to provide any document or is nothing truly needed?

  • A low doc loan would mean that you’d need to provide at least some sort of evidence of your income. However, no income evidence is actually required for a no doc loan. Please do note though that some lenders can still ask you to sign a statement of your assets and liabilities or a declaration that confirms that you can afford the loan. If they ask you to sign a declaration then it will not ask you to confirm your income, just that you can afford the repayments.

  • Carey

    Is a statement enough or a transaction history needed too?

  • Hi Carey,
    We normally need both because a transaction history does not show your full details so the banks will not accept it on its own. A statement on the other hand has your full details, however only gives the account history for one month and may not show recent transactions. By providing both your lender can verify that you own the account and can view the transactions for an extended period of time.

  • Mackelmore

    Why do you not have the discharge forms of certain lenders on your mortgage discharge forms page? We are encouraged to call them instead, why?

  • Hey Mackelmore,
    That’s because those specific lenders either have a unique discharge form number for each specific user / request or they can only be authorised or requested by the client themselves. The discharge process of these banks cannot be started using a form that isn’t provided by them after you speak with them.

  • heyward

    I was asked by my bank to provide a statutory declaration to confirm that I changed my name. I’m already 2 weeks late with the loan schedule I had planned and am worried things will only get more delayed. Please do tell if there’s any way to get it approved first time so I don’t need to do it again.

  • Hi heyward,

    In order to have the best chance of getting your statutory declaration accepted the first time around, please make sure that you:
    – Don’t forget to date the declaration.
    – Include middle names of the person signing the declaration or the witness.
    – Have all applicants for the mortgage sign the declaration.
    – Get an authorised witness and state their qualification (e.g. their JP number).
    – Have clear and legible handwriting.
    – Have the wording of the declaration as requested by the lender.
    – Provide the original stat dec to the lender or mortgage broker.

    We recommend that you double check your stat dec before returning it to the lender.

  • Moomin

    I have recently applied for a home loan with Westpac. They have asked my personal loan statements with Pepper, but Pepper provided me just with the transaction history. Will it be sufficient to them?

  • Hi Moomin,
    They will probably accept the transaction history, but please note that it should contain the bank logo, account number, a list of all transactions in the given period and a running balance. Also make sure that CSV files / exported data are not accepted, so please print out a full transaction history. You could check a sample Transaction history here https://www.homeloanexperts.com.au/wp-content/uploads/2011/04/Example-Transaction-History.pdf