A free home loan document checklist from The Finance Yogi covering the ID, income, savings and expense paperwork needed for a fast Perth pre-approval.
Having the right documents ready is the simplest way to a fast home loan approval. This free checklist covers the ID, income, savings and expense paperwork lenders ask for in Perth.
Gather these before you apply and your pre-approval moves quickly, with fewer back-and-forth requests from the lender.
As your local Perth broker, The Finance Yogi uses this checklist to get buyers and refinancers approved smoothly.
Lenders assess four things: who you are, what you earn, what you spend, and what you owe. The documents below prove each of these, so having them ready upfront avoids delays.
Employees and the self-employed need slightly different income evidence, and refinancers need their current loan details too.
Work through the list below and we will confirm anything specific to your lender.
Most approval delays come down to missing or outdated documents, not the loan itself.
Get these ready and we will handle the application, valuation and approval for you.
Employees prove income with payslips and a tax return; the self-employed use business financials or a low-doc alternative – see our low doc guide.
Have both applicants’ documents ready if you are applying together.
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Lenders want evidence of your deposit and, often, genuine savings. Have three to six months of savings statements ready, plus details of other assets like vehicles, shares or superannuation.
If any of your deposit is gifted, a short letter confirming the gift is usually needed.
Plan your deposit: see how much deposit you need for a house in WA, and estimate repayments with our home loan repayment calculator.
Lenders assess your living expenses and existing debts to work out your borrowing power. Have recent statements for your credit cards, car and personal loans, and any other commitments.
Refinancers also need their current home loan statements and a recent rates notice. Reducing or closing unused cards before you apply can lift your borrowing power.
We review your full position and match you to the right lender. See how on our home loan broker Perth page.
Work through the final list below before applying, and your approval will be fast and smooth.
We review everything with you, confirm anything lender-specific, and lodge your application when you are ready.
Tick these off and you are ready to go. For the complete journey, read our complete home loan guide for Perth buyers, or explore our finance services.
Book a free, no-obligation chat and we will check your paperwork and get your approval moving.
Source: home loan and pre-approval guidance from ASIC MoneySmart. Confirm your lender’s exact requirements before you apply.
