Application checklist

Proof of income:

Salary - Pay

• 3 recent payslips
• Bank statement or passbook showing 2 consecutive payments with detailed salary narrative
• Letter of employment detailing the mode of employment

Rental income

• Tenancy Agreement
• Letter from Real Estate Agent stating the anticipated rental
• Bank statements covering a 6-month period with detailed narrative confirming the deposit as rent income

Self employed

• Last years Business/Company Tax Returns (including balance sheet and profit and loss statement)
• Last two years Personal Tax Returns and Assessment Notices

For property purchase:

• Full copy of Contract of Sale
• Solicitor/conveyancer contact details (i.e. phone number, address, etc)
• Means of contribution - anything from this list (FNPF) eligibility letter, Bank balance, if cash contribution, surrender value of life policy, original title of another property if equity contribution

For Construction Loans/Owner Builders:

• Plans
• Specifications
• Proof of builder's insurance (Builder's Risk Insurance)
• Council approval
• For Construction Loans only: please also provide a Builder's Contract (including the schedule of payments) or building tender signed by all parties and dated
• For Owner Builders only: please also provide Owner Builder Independent Adviser's Report (including the schedule of payments)

If any other debt:

• Last 12 months - other bank/institution loan statements
• Copy of Payment card for any hire