☑ Driver’s licence
☑ Passport
☑ Medicare card
☑ Birth certificate (optional)
Employed:
☑ Last 2 payslips
☑ Latest PAYG summary
☑ Employment contract
Self-Employed:
☑ Last 2 years personal tax returns
☑ Last 2 years business tax returns
☑ Notice of Assessments
☑ Profit & Loss Statement
☑ BAS (if required)
☑ 3–6 months bank statements
☑ Credit card & loan statements
☑ Existing home loan statements
☑ Savings account history
☑ Contract of Sale
☑ Property address / listing
☑ Real estate agent contact details
Tip: Start with what you have — your broker can help gather the rest.
☑ Check eligibility for grants & concessions
☑ Confirm deposit and upfront costs
☑ Speak to a mortgage broker
☑ Get loan pre-approval
☑ Research suburbs & property types
☑ Arrange inspections & legal review
☑ Organise building & contents insurance
☑ Prepare for settlement
☑ Confirm your financial position
☑ Define investment goals and timeline
☑ Check borrowing capacity
☑ Analyse cash flow & holding costs
☑ Review tax benefits and implications
☑ Prepare for risks (vacancies, rate rises)
☑ Seek professional advice (broker, accountant, planner)
☑ Review your current interest rate
☑ Compare competitive market rates
☑ Check available equity
☑ Calculate break and discharge fees
☑ Prepare updated income documents
☑ Define your refinance goals (lower rate, cash-out, consolidation)
☑ Last 2 years tax returns
☑ Notice of Assessments
☑ Business & personal bank statements
☑ Profit & Loss Statement
☑ BAS (if required)
☑ Accountant’s letter (if required)
☑ ABN registration
Checklists may vary depending on the lender’s (funder’s) requirements. We do not advise proceeding with an unconditional purchase or bidding at auction until you have received full formal approval. If you choose to do so, MortgageXpress Pty Ltd is not responsible for any consequences or financial loss arising from that decision.
