Document Checklist

Listed below is a guide of the types of documents we may require in order to complete an assessment into your eligibility for the home loan.. If you have them on hand bring as many as you can to your appointment or email us as this will help us understand your financial circumstances.

Your ID

100 Point's ID for all the applicants – Certified copies of Driving Licence & Passport. If you have Non-Australian Passport then please send a copy of residency VISA

If you are a company director, please provide a copy of ASICS extract, confirming company directorships and shareholding.

Important information

Fully completed Fact Find form

It is advised that you check your credit score before applying for any loan. Please request your credit file from https://www.equifax.com.au/. Kindly note that free file may not have your credit score, therefore, please call Equifax and request them to send you a copy of your full report. Or we can extract your credit report for a small fee.

Your earnings

For PAYG Clients

2 Recent pay slips for all the applicants - Latest pay slip not more than two weeks old

PAYG Summary/ Group Certificate for all the applicants.

For Self-employed Clients

Last 2 years personal tax returns

Last 2 years business tax returns with business financials

Last 2 years Notice of Assessment

If you own an investment property

Rental Statements (for the existing rental property)–statements for the last 2 months. – if you already own an existing rental property

Your accounts/loans/debts

Recent statement for any credit card or loan you may have, confirming the credit limit / current balance & monthly repayment (statement should be within last 30 days)

3 months savings account statements (transactions till the date of application) to confirm genuine savings

3 months main bank statements showing your salary credits and day to day transactions (transactions till the date of application)

3 months statement for a Business account showing business transactions (transactions till the date of application)

Are you purchasing a Land or an Established property?

Soft Copy of the Contract of Sale and Plan of Subdivision – full "soft" copy of the booklet handed over by the developer.

Receipt of any deposit made towards the purchase

If buying an investment property -Rental Appraisal Letter from the Real Estate

Are you Building a house?

Building Contract, Building Plans & Building Specifications

Are you looking to Refinance/ Consolidate Debts?

6 months home loan statements for the loans to be refinanced

3 months statements of all the debts to be consolidated

Council rates notice for the properties you own