Once you have decided to refinance your mortgage, you will need to gather
together the necessary documents. Use this checklist to make sure
you have everything you require before you kick start the process
to ensure a quick and efficient mortgage refinance.
Documents |
|
Tick |
Identification documentation |
For example, birth certificate, current passport, driver's licence, credit card showing your name or Medicare card |
|
Application or valuation fee |
Payment details of where you want to pay fees from |
|
Loan statements |
Loan statement for the past 6 to 12 months |
|
Salary Information (PAYG) |
Group Certificates or tax returns from the past two years plus three recent payslips or a letter from your employer stating your annual gross income, your term of employment and year-to-date salary |
|
Self-Employed |
If you are a sole trader, you will need personal tax returns from the past two years and your ATO Notice of Assessment.
If you run a business, you will need your personal tax returns for two years plus tax returns for your business for the past three years |
|
Solicitor/conveyancer details |
Details of any professional service acting on your behalf |
|
HANDY HINT: You will need the
originals or certified copies of
all documents to present to
your new lender.
