Melanie Rama
Documents & Pricing Specialist
With a Bachelor’s degree in Business Administration majoring in Financial Management, Melanie brings a strong foundation in financial management, organization, and problem-solving.
Her experience in accounts receivable and as a virtual assistant has honed her ability to streamline processes, optimize efficiency, and ensure smooth operations.
Passionate about continuous learning and professional growth, she is always eager to take on new challenges. Whether working independently or collaboratively, Melanie is committed to delivering high-quality results with dedication and a strong work ethic.
Did we mention our Australia-wide mortgage broker service is complimentary?
Loan Documents Required for a Home Loan Application
As mortgage brokers, ASIC hold us accountable to ensure we lend responsibly. What does this mean? It means we have to accurately assess whether you can repay the loan you are interested in. We do this by thoroughly checking your financial position.
In order to do that, we require what can seem like a lot of personal information. This can include:
Identification for Loan Documents
We will require original identification documents. This can include:
- Australian passport
- Foreign passport
- Australian birth certificate or Australian citizenship certificate
- Australian driver’s licence or learner’s permit
- Medicare card
These are examples of documents you may require. However, if you need more options, you can chat to Yezan and she will be happy to share other documents you can use.
Income and Expenses for Loan Documents
In order to assess your financial position and your capacity to service a loan, we need to know your total income and expenses. To get a clear picture, we’ll need to see:
- Payslips
- Tax returns
- Australian Tax Office Notice of Assessment
- Letter from Centrelink outlining payments
- List of assets
- Current credit card limits and balances
- Personal/car loan statements
We will also need to know your monthly living expenses including:
- Current rent/mortgage repayments
- Household expenses such as electricity and water
- Insurance costs
- Motor vehicle costs
- Education and childcare expenses
- Subscriptions
And any other monthly expenses.
By having these information readily available, we can make the loan application quicker and easier.
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Disclaimer
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
