Debt Consolidation Newcastle

In preparation for your meeting with our mortgage broker we ask that you have ready the following information.

Identification – You will need to provide 100 points of ID. The most common forms of ID are:

Drivers Licence, Photo Card (NSW), Passport, Medicare, Birth Certificated, Proof of Citizenship (if applicable)

NB – if you have been married and changed your name or have been through a divorce that has led to a name change, we will require documents that show the trail of name changes.

Proof of Income – To determine your affordability, lenders request you provide all that apply to your circumstances:

•  PAYG income earner- Your most recent 3 payslips showing 3 months earnings
• Self Employed – ATO Notice of Assessment (within the last 18mths)
• Government Income (Centrelink) – Statement from Centrelink showing FTB, Disability Pension etc.
• Child Support Income -Statement form Child Support or if a private arrangement statements showing income paid into your account

Assets – A list of the assets that you hold and may require conformation of this at a later stage (managed funds, shares, investment property).

Bank Statements – please provide:

• Existing home/investment loans – 6 months of statements
• Credit cards/ interest Free debts – 3 months of statements
• Savings accounts – 6 months of statements
• Personal or car loans – 3 months of statements

To help streamline this process we will send you an invite to use CashDeck.  CashDeck is an online platform which links to your bank allowing you to electronically send us copies of your bank statements.

Superannuation – copy of your most recent superannuation fund. If you have multiple funds, please provide statements for all funds.

If you cannot find a statement, please obtain approximate account balance, membership number, fund provider or risk profile.

Insurance – Some lenders require evidence of insurance. If you have any of the following, please provide policy statements.

• Home and contents insurance
• Investment property insurance
• Income protection
• Life insurance
• Total and permanent disablement cover
• Trauma cover

Liabilities – Any other expenses you may have such as child support.

Anything else you feel may be relevant.