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What documents do I need to get a mortgage?

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To get approved for a home loan, you'll need to provide documentation to confirm your identity, income and more. The good news is that nowadays you can upload all your documents to online platforms like Lendi's in seconds.

To make life easier, we've put together a list of the documents you'll need to get in order to help ensure a speedy home loan approval and avoid any frustrating delays.

The main documents you'll need to provide to get a home loan are:

  1. Proof of identification: passport, drivers licence, birth certificate
  2. Income: recent payslips, PAYG statement
  3. Expenses: a detailed list of your monthly expenses from childcare to Ubers
  4. Assets: ownership details for other properties, cars, savings
  5. Liabilities: statements for any existing debts

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ID verification

For any loan you are applying for, you will need to prove you are who you say you are by verifying your identity. You can verify your identity online by simply uploading a photo of your ID and a selfie. Our smart technology then uses biometric facial recognition and live verification experts to compare a selfie to the picture on the ID supplied.

You can verify your identity with the following:

  • Birth certificate
  • Current passport
  • Driver’s license
  • Medicare card

Proof of income

calculating-budget-paperwork Now that you’ve proven your identity, you need to prove you are able to make monthly repayments on your loan. Your borrowing power is governed on the net amount left after your monthly income and expenses.

Your proof of income can be shown by providing:

  • Your last two payslips from your employer. For PAYG (Pay As You Go) employees, ensuring they contain your Year to Date (YTD) income. Other necessary information can include any consistent overtime, bonuses, terms of employment, start date and any allowances.
  • Group certificate or PAYG statement
  • For casual employees, the most recent assessment from the ATO is required.
  • For self-employed individuals, ATO assessments and tax returns from the past two years are required.
  • Centrelink payments (Family Tax Benefit, Pension Bonus Scheme, Disability Support Pension, etc).
  • Rental income

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Declaring your expenses

Before approving a home loan, you'll be asked to declare your expenses.

It's a good idea to review your bank statements because it's easy to underestimate your expenses and forget simple everyday things.

You'll be required to declare any expenses in the following categories:

  • Childcare
  • Clothing and personal care
  • Education
  • Groceries
  • Insurance
  • Investment property utilities
  • Medical and health expenses
  • Household utilities
  • Recreation and entertainment
  • Telephone and internet
  • Transport

Then your lender will need to verify these expenses by requesting your most recent bank statements.

To ensure you are transparent in your spending, consider making a comprehensive list of your monthly expenses. You can download these from your bank's website or link them to the secure Lendi platform directly.

By aligning your income and expenses, your lender can assess how much you can afford, and your ability to make monthly home loan repayments.

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Assets and liabilities

You’ll also need to provide proof of your assets and liabilities.


Assets are anything that has a monetary value. Assets may make lenders feel more confident about your security as a borrower since the sale of assets can assist in the repayment of your home loan if an unexpected redundancy or unemployment occurs.

You'll be asked to declare and provide details on:

  • Properties you own
  • Any vehicles you own
  • The value of your home contents
  • Your savings - at least six months of bank statements
  • Superannuation
  • Any shares in stocks or managed funds
  • Any investment savings
  • A term deposit

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Liabilities are any financial debts you may have. Before approving a loan, lenders need to know if you have any existing debts and how long you will be paying it off. This is essential information to provide to protect yourself from mortgage stress later on.

You'll be asked to provide details on any:

  • Existing home loans: (at least six months of loan statements)
  • Credit cards: If you have a credit card with debt, you will need to provide credit card statements from the last six months. If you do not have any outstanding debt owing on the card, you only need to provide the most recent statement.
  • Car loans: recent loan statements
  • Personal loans: recent loan statements
  • Student loans
  • Any other unpaid debt

By providing all of your assets, liabilities, income and expense details, you are giving your lender the information they need to make sure you are comfortable in repaying your home loan.

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Extra documentation

Not everyone is buying an established home for the first time. Others may be seeking a home loan to build a property, or are reevaluating their current circumstances and looking to refinance. In these situations, some additional documents are required.

If you’re refinancing:

As well as the above income, expenses, assets and liabilities, additional documents you may also need to provide your lender with the below when you are refinancing your home loan, include:

  • Details of your current home loan: This includes the length of the term and any exit fees that may incur from breaking your contract.
  • Your home loan repayment statements from the last 6 months.
  • Your last Council Rates notice
  • If you are refinancing for renovation purposes, a copy of the council-approved plans needs to be provided
  • The Building Insurance Policy on your current home

If you’re getting a construction loan:

Construction loans are for people who are building a new home, or making major renovations to an existing one. In these situations, you may need to provide your lender with extra documentation such as:

  • Building contracts that outline the drawdown schedule and the length of construction
  • The final price determined by the builder
  • Council approved building plans
  • Builder’s insurance documentation
  • Property specifications. These include materials used (i.e. floorboards or tiles), brands of appliances, number of bedrooms and bathrooms, additional features (i.e pools, split-system air conditioning), etc.

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The good news is that, once you have gathered all relevant documents, you can upload and verify them securely online here. Or schedule a callback from one of Lendi's Home Loan Specialists today.

Tags: refinance, new purchase, first home buyer

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Important legal stuff

COMPARISON RATE WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. The comparison rates are based on a loan amount of $150,000 over a loan term of 25 years.
Lendi is the trading name of Lendi Pty Ltd, a related body corporate of your licensed credit assistance provider, Auscred Services Pty Ltd (ACN 164 638 171, Australian Credit Licence Number 442372). We will never sell your email address to any third party or send you nasty spam, promise.
EXAMPLE: This example is current as at 20th October 2016. A Click Loans Online Principal and Interest Loan of $150,000 over 25 years has monthly repayments of $767. This is calculated based on the interest rate of 3.69%, comparison rate of 3.69%, upfront fees of $0 and annual fees of $0.
IMPORTANT INFORMATION: Loan terms of between 1 Year and 40 Years are available subject to lender and credit criteria. Maximum comparison rate will not exceed 14.99% (see comparison rate warning above). Any calculations or estimated savings do not constitute an offer of credit or a credit quote and are only an estimate of what you may be able to achieve based on the accuracy of the information provided. It doesn't take into account any product features or any applicable fees. Our lending criteria and the basis upon which we assess what you can afford may change at any time without notice. Savings shown are based on user inputted data and a loan term of 30 years. All applications for credit are subject to lender credit approval criteria.
Lendi is a privately owned and operated Aussie business. Our mission is to provide Aussies with the right experience when choosing a home loan from our panel of major and non-bank lenders including Click Loans which is a wholly owned subsidiary of Auscred Pty Ltd and a related body corporate of Auscred Services, your credit assistance provider. Although Lendi compares over 1600 products from over 30 lenders, we don't cover the whole market or compare all features and there may be other features or options available to you. While Lendi is 40% owned by founders and employees, we have also been supported by some great minority shareholders including Bailador, Macquarie Bank Ltd and a number of Australian sophisticated investors. We have an independent and founder led board.
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