Documents You Need

Simon and Terri-Lee

"Our Smartline Adviser was prepared to do the research and come up with a solution. Too many people try and cookie-cutter you or just give up." Simon and Terri-Lee

"When Adam’s parents suggested he contact Smartline, he was excited to hear he could secure a loan with a savings plan and some help from his parents." Adam

Adam
Adam and Natalie

"We had a broker who didn’t make us feel foolish for asking questions, even if it was for the third or fourth time."
Adam and Natalie

"Nothing was too much trouble – our broker met us after hours, and he always got back to us promptly with the answers to any questions we had." Angelo and Belinda

Angelo and Belinda
The Humphries

"We knew we had built considerable equity in our property but were not sure of exactly what to do with it and how best to use it."
The Humphries

"I’ve got a better interest rate, better flexibility, facilities and best of all less stress!" Irene

Irene
Simon

"I refinanced my previous property with my Smartline Mortgage Broker, and the service was so good we stayed with him this time around." Simon

"Building a house can be a very overwhelming & emotional process as there is a lot of money involved, but our broker took care of everything and was always available when I called." Fiona & Jamie

Fiona & Jamie
Helen and Michael

"Our Smartline Mortgage Broker has been fantastic. He showed us how refinancing our home could not only save us money, but also make it possible to buy an investment property." Helen & Michael

Documents You Need for a Home Loan

Generally speaking, all lenders require the same information from you. Certain exceptions may be made for “low doc” home loans for the self-employed. When you come to your loan appointment, you should bring documents/evidence from the following categories with you:

Identification

You must bring original identification documents with you:

  • driver licence AND
  • passport.

This is required by law.

PAYE Applicants

If you are in regular employment, please bring either:

  • two consecutive payslips showing YTD earnings (no older than 4 weeks) OR
  • a letter from your employer confirming your salary AND
  • your last Group Certificate AND
  • your last Tax Assessment Notice.

Property Purchases

Lenders want to know you can meet the repayments, so please bring:

  • 6 months savings statements AND
  • a copy of the Contract for Sale of Land or Offer and Acceptance

Loans & Cards

Please bring:

  • a copy of recent statement for all credit cards AND
  • copies of six months of loan statements

Self Employed

We can also help you with finance if you work for yourself. Bring your:

  • last two years' personal income tax returns AND
  • last two years' co tax returns and accounts AND
  • last Tax Assessment Notice

Refinance

If you want to refinance a property you already own to take advantage of better loans now available or use the equity in your property for another purpose, bring

  • a copy of all loan statements for last 12 months AND
  • proof of property ownership (e.g. rates notice)

Investors

Your income will be enhanced by the rental you receive. So bring:

  • a letter from real estate agent confirming expected rental OR
  • a Copy of current Lease Agreement OR
  • recent rental statements

Construction Loan

If you're planning to build, lenders will require some extra information. Please bring:

  • a copy of your Fixed Price Building Contract AND
  • a copy of the plans and specifications.
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