Documents Required for Home Loans

All home loan lenders need to feel comfortable that you can pay the loan back, so providing the right documentation in support of your application is essential. (It’s also a legislative requirement under the ‘Responsible Lending’ provisions of the National Consumer Credit Code (NCCP) of 2010)

Your local Express Mortgage Market broker will do all the legwork required for an approval, but you can help speed up the process by supplying all the relevant home loan application documents right from the start.

Although each lender has slightly different criteria, these checklists will give you a good idea of what to bring to your meeting with your local Express Mortgage Market broker.


  • Passport OR Birth Certificate; AND
  • Drivers License


For PAYG / salary earners:

  • 2 recent payslips; OR bank statements showing pay deposits + letter from your employer;AND
  • Last 2 group certificates; OR last 2 ATO tax assessments

For self-employed applicants:

  • Last 2 years personal tax returns; AND
  • Last 2 years ATO notice of tax assessments; AND
  • Last two years company returns

Note: None of these are required for Lo Doc applications


  • Existing properties: Copy of council rates notice;
  • New purchases: Copy of front page of contract of sale


Contribution to purchase / deposit

  • 6 months bank statements showing savings history; OR
  • 1 recent bank statement showing funds to complete purchase

If you want to learn more about the documents required for home loans, please call us on