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Your home loan checklist

Here's a home loan application checklist for your reference. We don't need every single one of these documents, but have provided options wherever possible to make things easier for you.

Personal identification

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)

About your income

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 figure covering at least 3 months' continuous employment, and the last 3 months' transaction history for the non-ANZ account your income is paid into.
  • OR the last 3 months' transaction history for the non-ANZ account your income is paid into. If there is irregular income (overtime/commission/bonus) then please provide additional documentation such as payslip(s), an employer letter or an employment contract to confirm base salary and/or irregular income. 

Self employed

If you're self-employed you'll need:

  • 1 year individual tax return (not older than 18 months) and accompanying ATO notice of assessment
  • AND 1 year business tax return, profit and loss statement and balance sheet (not older than 18 months)

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 incomedisclaimer 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).

About your expenses

We will be asking you some detailed questions about your everyday living expenses.

To help you prepare, you can complete our expenses tool. It should take around 10-15 minutes to complete and will help you consider the costs that make up your lifestyle.

Your living expenses

  • Your regular utility bills including how much you pay for gas, power, water, your mobile phone and pay TV subscriptions
  • Your regular utility bills including your council rates, body corporate and any ongoing maintenance
  • Your transaction account and/or credit card statements. This could help you estimate your monthly expenditure on things like groceries, eating out, movies, gym membership, insurance premiums and so on.

You will also be asked about more significant expenses that occur less regularly, such as school or tertiary education costs for you or your children and child care or child support payments.

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)

Other financial information

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 Reportdisclaimer, that should list all your loans and credit cards that are currently active.

Access illion Credit Report

If you have a home or investment loan with another lender, please provide the last 3 months of your loan statements.

Where the loan account is less than 3 months old, you can provide a copy of the letter of offer or the loan transaction history (showing the current balance and at least one repayment).

Bank statements 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.

Refinancing

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

  • Home or investment loan statements from your existing lender for the last 3 months
  • Current balance of any loans to be refinanced including pay-out costdisclaimer

Property details

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 principledisclaimer, 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

Insurance documents

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

Connect with our Home Loan Specialists

Quick Start Home Loan Application

Get started in just 5 minutes. Apply for pre-approvaldisclaimer, a new home loan, refinance or top up your existing ANZ home loan.

Apply online now

   

Request a call back

Leave your details 

   

Connect with a mobile lender disclaimer

Find a mobile lender

  

Visit a branch or ANZ Home Centre

Find your nearest location

  

Call us

1800 100 641

Monday - Friday
8am to 8pm (AEST)

   

You can also chat to an ANZ accredited broker for help with your home buying, investing or refinancing needs.

   

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The information on this page does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditionsProduct Disclosure Statement and the ANZ Financial Services Guide (PDF) before acquiring any product. 

Applications for credit subject to approval. Terms and conditions available on application. Fees and charges apply. Australian credit licence number 234527.

Tax related documents must relate to last tax year.

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Accessing your consumer credit report is free and is provided by external bureau provider illion Data Registries Pty Ltd.  Please note, there is no cost to you to order this credit report and no credit enquiry footprint left on your credit file (or impact on your credit rating), to access this service. ANZ takes no responsibility for the completeness or accuracy of this service.

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Payout quotes are subject to change and must be confirmed on the day of settlement.

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ANZ may provide pre-approval (also known as approval in principle or conditional approval) to eligible customers who apply for an ANZ home loan and complete an application form and satisfy any other applicable requirements. Pre-approval is an approval for a loan subject to conditions being met, including that security is satisfactory to ANZ. Australian Credit Licence Number 234527.

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ANZ Mobile Lenders operate as an independently operated ANZ Mortgage Solutions franchise of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Australian Credit Licence Number 234527.

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