THE APPLICATION PROCESS
THREE STEPS TO DOING BUSINESS
Greenmortgages make applying for a loan as easy as it has ever been.
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When settlement is completed you have the loan that is right for you and the world is a better place. |
When applying for a loan, there are some basic and fundamental steps that need to be completed. A GreenMortgages Lending Associate will help to make the process as simple and easy as possible.
One thing we can tell you is that irrespective of where you choose to do business, you will be required to answer a number of questions. These questions help a potential lender to assess your borrowing capacity and your ability to repay the loan. The following documents will assist the lender in their considerations:
- 100 Points of Identification
- Photocopies of current bank account statements
- Copy of most recent pay slips and group certificate (PAYG) OR a letter from your employer outlining length of employment and salary
- Copy of last two years financials (Self Employed)
- Proof of any share holdings and savings history
- Details of any second income, bonuses, allowances or benefits
If self-employed:
- tax agent income statements and income tax returns, and
- profit and loss statements certified by a registered accountant
If your are selling a home in the process:
- copies of exchanged contracts, or
- solicitor's letter confirming a firm buyer
If paying out an existing mortgage and starting a new home loan:
- a statement from the present lender stating the amount owing and proof of past repayments, and a
- photocopy of the front page of the contract of sale, if you have already decided on a property.
This fact sheet provides general information only and is subject to change.
Full details of the loan are set out in the loan agreement.
Conditions, fees & charges may apply.
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