When you apply for a home loan with us, we will require the following information about each applicant:

• Personal Details, such as full name and contact details;
• Residential status, such as whether you own your home or you're renting;
• Your occupation and salary, as well as information about any other income that you might receive, such as family payments;
• Details of any assets such as savings accounts, a house or car; and
• Any liabilities such as personal loans, credit cards and store cards.

Ways to Apply

What Happens After I Apply?

What happens once you've submitted your application? So that you know what to expect when you apply for a home loan with us, we've put together the steps we go through in processing your home loan, and some timeframes as to when you can expect to hear back from us.

1. Once we receive your application and all required documentation, it will take up to three working days for a decision to be made. In this time, we will advise you if a valuation on the property is required. If a valuation is required, our decision may take a bit longer. 
2. On approval of your loan application, your loan documentation will be issued, and sent out to you. 
3. Once you receive your loan documentation, sign it, and return it to us. We need this signed documentation back so that we can finalise your loan processing/arrangements. 
4. 3 working days before settlement, you will need to advise us of the cheque details that you will need at settlement. This includes information such as the final amount, and payee that the cheques need to be made out to.

Before we can approve your home loan application, we will require some documentation from you. Depending on your circumstances, you may need to provide all or some of the items listed below. Your lender will advise on what will apply for your situation.

Checklist

A pre-approval for your Home Loan may give you added peace of mind when you're looking for a new home or investment property. When you find that perfect place, let the real estate agent know that you have pre-approval on your finances it may work in your favour! And if the house you love is going to auction, arranging a pre-approval before auction day, may mean you can bid with more confidence.

3 easy steps to applying for pre-approval

Getting pre-approval for your home loan can make it smoother for you to purchase the home of your dreams. Book a no-obligation meeting with a lender today, and we can get you started on this exciting journey.

Supporting Documentation Checklist