Information you’ll need to show the lender when you apply for a loan

Most lenders require the same supporting information, though there can be some slight differences between lenders. At Aurora Finance Group we’ll advise you of exactly what you’ll need to support your loan application.



It is a requirement of law that the original documentation must be viewed by the finance professional. Generally we require copies of both your

  • Current driver license AND
  • Current passport.

If you don’t have one or either of these, we will advise you of what is acceptable for your selected lender.


Wage/Salary earner

You generally have to supply the following information:

  • Your latest tax return and assessment notice AND/OR
  • Your last 2 consecutive pay advice slips showing your YTD (year to date) income
  • If you have salary packaging, you’ll need to provide your employment letter which explains your package benefits


Self-employed and you can’t show your income – Low Doc

If your income is irregular, seasonal or you cannot show a regular income, then you may quality for a Low Doc loan. In this instance you’ll be required to complete and sign a declaration indicating your income.


Self-employed and you can show your income

If you’re self employed and can show your income, then you’ll need to submit the following:

  • Last 2 years Profit & Loss statements, Balance Sheets and corresponding tax returns and assessment notices for your company AND
  • Last 2 years of your individual tax returns and assessment notices
  • Copy of the Trust Deed if you have a trust structure

If you’re a Sole Trader, then you’ll need to submit:

  • Last 2 years of your tax returns and the assessment notices


Evidence of rental income

Please supply the following:

  • Rental agreement OR
  • Taxation Returns confirming rental income OR
  • Managing Agent’s confirmation of existing rent


Evidence of Savings

You’ll need to show the lender that you have the funds to fully complete the purchase of the home.

  • 3 months of personal savings or term deposit accounts which shows that you have saved 5% of the property purchase price AND/OR
  • Evidence of real estate equity – a loan statement showing the loan limit and the current balance AND/OR
  • Tax return refund notice


Property purchase

You’ll need to submit the following:

  • Fully signed copy of the Contract of Sale or the Contract Note. All vendors and purchasers must write their names in full and date the contract


Construction loans

Please supply the following:

  • Fully signed and dated copy of the Fixed Price Contract AND
  • Copy of the building plans, specifications (and variations if applicable)



If you want to refinance a property please bring:

  • Originals of all loan statements for the last 12 months AND
  • Copy of the rates notice (proof of ownership)


Debt consolidation

If you want to consolidate your credit card and personal loan debts, please bring:•

  • A copy of the last 3 months of all credit cards to be refinanced AND
  • Originals of the last 6 months loan statements