Your home loan checklist

You'll need at least two forms of identification, one of which is:

• Photo ID (such as your driver's licence or passport)

Don't have any of the above?

That's okay, simply provide two of the following original documents:

• Birth or citizenship certificate
• Centrelink pension card
• Medicare card
• Utilities bill (less than three months old)
• Rates notice (less than three months old)
• Tax assessment notice (less than 12 months old)

Full time/Part time

If your salary has not been paid directly to your ANZ account for the last 3 months please provide either:

• A recent payslip (no older than 60 days) with a year to date (YTD) figure covering at least 3 months' continuous employment.
• OR if the year to date is less than 3 months, two consecutive payslips (no older than 60 days)

Casual

If your salary has not been paid directly to your ANZ account for the last 6 months please provide either:

• A recent payslip (no older than 60 days) with a year to date (YTD) figure covering at least 6 months' continuous employment.
• OR if the year to date is less than 6 months in addition to the recent payslip you will need to supply ATO Income Statement, or tax return and corresponding ATO Notice of Assessment, or PAYG summary, or a payslip from a prior pay period.

Note: Additional documents may be required once ANZ has reviewed your enquiry.

Self employed

If you're self-employed you will need:

• 1 year individual tax return (not older than 22 ½ months) and accompanying ATO notice of assessment
• AND 1 year business tax return, profit and loss statement and balance sheet (not older than 22 ½ months)
• OR if you receive regular wages from your company please provide ATO Income statement showing at least 6 months income via MyGov/ATO portal and one recent payslip (no older than 60 days).

Further documents may be requested by ANZ once the application has been reviewed and loan to value ratio determined.

Rental income

If you also have rental income, please provide the following:

• Existing signed lease agreement (excluding private lease agreement)
• Bank statements confirming rental credits for the last 3 months
• Tax return with rental income^disclaimer included

Other income

• If you have any foreign income, superannuation/pension/annuity or government income sources, please bring along evidence of that income (generally last 3 months)
• If you have interest or dividend income, please bring evidence confirming both the current balance of that asset and the income earned (generally income earned in the last 12 months).

We will be asking you some detailed questions about your everyday living expenses. This will include questions about your basic spending such as food, utilities, household costs and clothing as well as other types of spending such as private schooling, pet care, child care or any investment property expenses. We will also ask you about any foreseeable changes to your expenses.

To help you prepare, we would recommend you complete our expenses tool. It should take around 10-15 minutes to complete and will help more accurately calculate the costs that make up your lifestyle.

Otherwise, to help ensure you are able to provide us with accurate information during the interview, we recommend you review and calculate your monthly spending. A good way to do this is by reviewing your transactions, your bills or any budgeting tools that you may use. We also note that most banking apps have a spend summary function which categorises your transactions and this may be a quick and easy way for you to calculate your spending.

Ongoing rental expenses

If you are going to continue renting after you have bought a home, and that rent has not been paid from your ANZ account for the last 3 months, please provide the following:

• The last 3 months of bank statements showing rental payments being made by you
• OR current formal lease agreement (a private lease agreement is not acceptable)

Listing your other assets and liabilities will help us determine your capacity to repay the loan.

Your assets

Recent evidence of your assets if not held with ANZ (e.g savings, term deposits, shares etc.)

Your liabilities

Free credit report

To help capture your existing financial liabilities as part of the Home loan application, you have the option to obtain a free credit report through illion Credit Report^disclaimer, that should list all your loans and credit cards that are currently active.

Home loan statements are generally not required. There are some exceptions and your lender will let you know if this is the case.

Where home loan statements are required, they must show the following:

• Bank/financial institutional stationery (logo/ABN)
• Account number
• Account name/ownership of debt
• Balance and repayments

You can use downloaded PDF statements or transaction history from internet banking as long as they have the above information.

If you want to refinance your home or investment loan and you're not with ANZ, you will need:

• Current balance of any loans to be refinanced including pay-out cost^disclaimer.
• Home loan statements are generally not required. There are some exceptions and your lender will let you know if this is the case.

You'll need to provide us with some information about the property you're buying or building. We won't need this for approval in principle^disclaimer, but it will be required before we can finalise your offer.

If you're buying

• Signed contract of sale

If you're building, we'll also need:

• Council approved building plans, specifications or building permit
• Fixed Price Builders Contract

Please bring any documents that can provide information about your current insurance policies, including:

• Home and contents insurance
• Investment property insurance
• Income protection
• Life insurance
• Total and permanent disablement cover
• Trauma cover

Depending on your situation, you may be required to have home insurance before settlement happens. Find out about how ANZ can help you protect your home and contents.