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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 and 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.

As always, talk to your Smartline Personal Mortgage Adviser for more information.

 

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