Loan Checklist

A standard loan requires full documentation. However, if you are self employed or an employee of a business and are unable to provide income evidence you may decide to apply for a LoDoc loan. This is a low documentation loan where income evidence is not necessarily required. When The Edge Home Loans consultant speaks with you they will advise you of what documentation you will need specific to the loan you are applying for.

The following is a guide only and may change throughout the course of an application process. If anything arises that requires explanation or further documentation the Lender will request it

A Standard Loan Application will need to be accompanied by:

1.	Two Recent pay slips for each applicant.
2.	The last years Payment Summary for each applicant.
3.	If self employed past two years tax returns and tax assessment notices.
4.	Past 6 months loan statements for all loans being refinanced.
5.	The last month statement for the account where earnings are credited – where your salary is deposited.
6.	Past 6 months savings statements to evidence genuine savings (if required)
7.	Copy of the front page of the Purchase/Sale Contract (if purchasing a property).
8.	Copy of recent council rates notice for each property being refinanced.
9.	Explanation of any previous credit default, judgement or late payment appearing on a loan statement provided.
10.	If your deposit is being borrowed or gifted by a family member or friend please provide a letter from the person loaning or gifting the money confirming the arrangement.
11.	100 points of identification for each applicant – Your Loan Consultant will advise of the identification required

Click here for Loan Application Form

The Edge Home Loans Pty Ltd
PO Box 2276, North Parramatta NSW 2151
Tel: 02 9705 0426 - Fax: 02 9705 0436
info@edgeloans.com.au - www.edgeloans.com.au