Cairns Loans Documents Checklist

Personal identification documentation

• Passport
• Birth Certificate
• Drivers licence
• Marriage certificate (if you have documentation in your maiden name)
• Medicare care, bank card, student ID, health care card

Proof of income

• Your 4 most recent payslips
• Your last End of Financial Year Group Certificate

What if I’m self employed?

• Income details
• Business tax returns and ATO assessments from the last two years
• Personal tax returns and ATO assessments from the last two years

Other documents that may be requested:

• Confirmation of rental income for any investment properties
• If you have shares then you may be asked to provide proof of share dividends or interest generated
• If you receive family tax benefits or a pension then you may be asked to provide proof of that income from Centrelink

Documents required for refinancing

• The details of your current loan including the loan period and any exit fees that may be applicable
• Statements for any existing home loans and/or personal loans for the last six months
• If you have a credit card with zero funds outstanding provide the most recent statement

Already own a home?

Here are some documents that you may be required to provide:

• If you have any existing loans or personal loans then you will need to provide the statements for the past six months
• Documentation that will provide proof of funds held if you are using other funds to make the purchase
• If you have received money as a gift then you will be asked to provided a signed statutory declaration from the person who has gifted you the funds
• Savings statements for the last six months

First time purchasing a home?

Then you may require these additional documents:

• Savings statements for the last six months
• If you have shares then you may be asked to provide proof of share dividends or interest generated
• Documentation that will provide proof of funds held if you are using other funds to make the purchase
• If you have received money as a gift then you will be asked to provided a signed statutory declaration from the person who has gifted you the funds
• If you have a credit card you will need to provide the most recent statement

Investing?

Then you may need to provide the following documentation if you have an investment property:

• A current residential tenancy agreement
• A permanent rental appraisal from your property manager
• A copy of the council rates

Seeking a construction loan?

Then you may need to provide the following documentation:

• Plans with council approval
• A licenced builders fixed price tender which includes all specifications
• Savings statements for the last six months
• If you have shares then you may be asked to provide proof of share dividends or interest generated
• If you have a credit card you will need to provide the most recent statement

If you already have a contract of sale for the purchase of the property, you will need to provide a copy to your JGM Lending & Finance broker in Cairns.