Page 44 - Smart Money

Chapter 2

$ a letter of confirmation of employment (that is generally to say
that you are not on probation)

$ your two most recent payslips, no more than 30 days old
$ your last group certificate – if you are self-employed we need two
years’ tax returns
$ bank statements confirming deposits
$ three months’ history of genuine savings

$ most recent six months of mortgage statements, dated in the last
30 days if you are refinancing

$ copies of your credit card statements for the last three months
$ a rate notice if you are refinancing
$ a copy of all the pages of the offer of acceptance if you are
purchasing
$ a rental letter/lease agreement from investment properties

$ a gift letter, if applicable
$ copy of permanent residency or visa sheet of passport, if applicable

$ a current Centrelink statement outlining family tax benefits you
receive

$ ABN showing declared income, if applicable
$ a breakdown of your monthly living expenses, e.g. insurance,
housekeeping, food, phone, internet, etc
The gift letter is normally a Statutory Declaration or Stat Dec, as they
are known. The Stat Dec should say that the money you are receiving is a
gift and is non-repayable. If you have to pay it back, then the lender needs
to take that repayment into consideration as well, because that is really
another liability that you have.

We need your driver’s licence and passport to verify that you are who
you say you are.

4