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First Home Buyers guide

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Personal Information.

    • A current Passport or Birth Certificate

    • Driver’s License.

    • Marriage certificate (Circumstantial)

    • Other documents that will be useful: a Medicare card, Credit card, ATM/Debit card, Council Rates Notice, Pensioner Concession card, Health Care card, Tertiary Student ID card.

    • The two most recent payslips from your employer. This will shows: company name, number of pay-slip and year-to-date income figure).

    • The most recent Group Certificate from your employer.

    • The last two year’s personal and business tax returns and ATO assessments.

    • Other income details

    You may also need:

    • Rental income statements or bank accounts showing rental income for any investment properties

    • Proof of share dividends or interest earned

    • Centrelink letter confirming family tax benefits

    • Centrelink letter confirming permanent government pensions

    • Private pension group certificate or statement

    • Proof of any other regular, ongoing income.

Additional Documentation

    • Documentation on your existing loan including the date the loan commenced, loan period and any financial penalty payable if you exit the loan early

    • Statements for the last six months for any existing home loans and personal loans

    • The most recent Council Rates Notice and building insurance policy on the property or properties being offered as security.

    Credit cards

    • Credit card debt, statements for the last six months, or the most recent statement.

    • Statements for the last six months for any existing home loans or personal loans

    • Statements for the last six months to show your savings/investment history. (This could include share certificates, savings account statements, term deposit statements, etc.)

    • Most recent credit card statement

    • Copy of the Contract of Sale for the property you’re buying

    Transfer of Funds

    • If other funds are being used for the purchase, evidence showing where the funds are held.

    • If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money.

    • Statement for your First Home Saver Account, if you have one.

    • Statements for the last six months to show your savings/investment history. This could include share certificates, term deposit statements, etc.

    • If other funds are being used for the purchase, evidence showing where the funds are held.

    • If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money.

    • Your most recent credit card statement.

    • Copy of the Contract of Sale for the property being purchased.

  • If owning investment property

    • Evidence of income such as rental statements.

    • A copy of the tenancy lease.

    • A Council Rates Notice.

    • A letter from a property manager indicating likely rent for the new property.

    • Statements for the last six months to show your savings/investment history. This could include share certificates, term deposit statements, etc.

    Transfer of funds

    • If other funds are being used for the purchase, evidence showing where the funds are held.

    • If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money.

    • Your most recent credit card statement.

    • Copy of the Contract of Sale for the property being purchased.

    • A copy of a valid builder’s fixed price tender, including all specifications.

    • A copy of Council approved plans.

    • Statements for the last six months to show your savings/investment history. This could include share certificates, term deposit statements, etc.

    • If other funds are being used for the purchase, evidence showing where the funds are held.

    • If other funds are being given to you, which are not already in your bank account, you will need a Statutory Declaration from the person giving you the money.

    • Your most recent credit card statement.

    • Copy of the Contract of Sale for the property being purchased.