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Once your home loan plan is opened, if you pay as agreed, the lender, in most cases, may not terminate your plan, accelerate payment of your outstanding balance, or change the terms of your account. The lender may halt credit advances on your account during any period in which interest rates exceed the maximum rate cap in your agreement, if your contract permits this practice.

What Things Will I Need To Have My Home Loan Assessed?

- First home buyers should provide copies of their savings account statements for a period of at least 6 months where they wish to be assessed under the 'genuine savings' criteria.

- Those seeking to refinance an existing loan will need to supply evidence of satisfactory repayment history for a period of 6 months via copies of their loan statements, along with a current Rates Notice.

- A copy of the Contract of Sale for property purchases.

- 3 recent pay slips or 1 that details Year to Date amounts.
Your Group Certificate for the previous financial year.

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It is preferable that self-employed applicants make available their previous 2 years financial statements and taxation returns, and in some cases interim year to date statements may be requested along with cash flow forecasts. However, where this information is not available, options for approval exist via the ‘LOW-DOC’ type product (refer to our loans page).

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