Getting your documents ready is the fastest way to a smooth first home purchase. This free checklist covers everything you need for pre-approval, the First Home Owner Grant and settlement in WA.
A free first home buyer checklist from The Finance Yogi covering the ID, income and deposit documents needed for pre-approval, the FHOG and settlement.
Have these ready and your application moves quickly, your pre-approval is stronger, and you can make offers with confidence.
As your local Perth broker, The Finance Yogi uses this exact checklist to get first home buyers approved without the paperwork stress.
Lenders and RevenueWA ask for specific documents, and having them ready upfront avoids delays. The list falls into four groups: proof of identity, proof of income, evidence of your savings and deposit, and documents for the grant and the property.
Gather these before you start looking, and your pre-approval and grant application will move far more smoothly.
Tick off each item below, and we will confirm anything specific to your lender.
Most first home delays come down to missing paperwork, not the loan itself.
Work through this checklist and we will handle the rest, from pre-approval to settlement.
These confirm who you are and that your income is stable enough to service a loan. Self-employed buyers need business figures instead – see our self-employed requirements guide.
Have both applicants’ documents ready if you are buying with a partner.
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Lenders want to see your deposit and, often, genuine savings built up over at least three months. Have three to six months of savings account statements ready, plus evidence of any gifted funds.
If part of your deposit is the First Home Owner Grant, note that too – it can form part of your funds for a new build.
Work out your deposit: our guide on how much deposit you need for a house in WA explains the numbers, and the repayment calculator estimates your costs.
For the First Home Owner Grant, you will need a completed application form, proof the home is new, and a first home owner declaration. For the property, have the contract of sale ready once you have made an offer.
Your settlement agent usually lodges the grant and the stamp-duty concession with RevenueWA on your behalf.
See the full detail in our First Home Owner Grant WA guide, and explore options on our first home buyer mortgage broker Perth page.
Work through the final list below before you apply, and you will be ready for a fast, strong pre-approval.
We review everything with you, confirm anything lender-specific, and lodge your application the moment you are ready.
Tick these off and your approval is straightforward. For the complete journey, read our complete first home buyer guide for WA, or explore our finance services.
Book a free, no-obligation chat and we will check your documents and get your approval moving.
Source: buying and pre-approval guidance from ASIC MoneySmart, and grant requirements from the WA Government. Confirm current requirements before you apply.
