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The documents required by us will depend on your situation, but all applicants must be able to provide evidence of their financial position, such as recent bank statements and proof of income, personal ID and a summary of your assets and liabilities.

Self-Employed applicants need to provide:

• Last 2 years Tax Returns

• Last 2 years ATO Notices of Assessment

• At least 1 month’s bank statements for full doc loans

For applicants who cannot provide the above information, we can still help with an alt doc loan (at least 6 months’ bank statements will be required in these situations).

If you are a wage-earner, you just need to supply us with:

• Statement showing your last annual wage information (for example, from ATO portal or your accountant)

• Your most recent income tax return and ATO Notice of Assessment

• Proof of employment (letter from employer)

• Bank statements that show your last 3 months’ wage deposits

With some of our products, we can offer loans of up to 95% of the property’s purchase price. This means that you might only need 5% deposit to qualify for a loan.

The required deposit can vary, depending on the location of the property and the type or size of the property.

Your maximum loan amount is determined by a number of factors, including:

• Your income

• Your credit history

• Your other assets and liabilities

• Your living expenses

Loan costs vary depending on the type of loan you choose and the amount you borrow (call us to discuss which loan option is best for you).

Some of the fees involved with a home loan are:

• Bank establishment or application fees

• Mortgage insurance fees

• Valuation fees

Plus: fees that cannot be added to the home loan, such as:

• Settlement fees

• Stamp duty

• Solicitor’s fees.

We can obtain the most competitive interest rates because we have access to a wide range of lenders.

The interest rate may vary, depending on the assessment of various factors, including:

• The type and location of the property being purchased or used as security for the purchase

• The purpose of the loan (such as investment or owner-occupied)

• The size of your deposit (or the value of the loan as a percentage of the property’s value)

• Your income

• Your net asset position

• Your credit history

• The loan repayment type (such as interest only or principal and interest)

Depending on the accuracy and how quickly you submit the necessary documentation, we can usually approve your loan in 3 to 6 weeks.

We obviously need to understand your needs and spend time explaining the key features, loan terms and benefits of a various different types of loan options in the market.

To learn more about the loan application process, or to check the status of your loan application. Please call our lending specialists on 03 8696 6300

The number of debts you can consolidate is without limit, as long as your financial position is not impaired by the consolidation.

We will refinance your home loan to incorporate all of your other debts, including credit cards, car loans, personal loans, tax debts and business debts.

We also have a strategic alliance with CREDIT MEDIATION SERVICES, who can negotiate debts like:

• Credit Cards

• Personal Loans

• Tax Debts

• Business Debts

Your home loan journey with us will be efficient and easy. You simply need to contact our Lending Experts on 03 8696 6300 during any weekday from 9:00am to 5:00pm.

Once you have made contact, your dedicated Lending Expert at Fair Go Aussie Loans will then guide you through the whole process with ease and simplicity.

To ensure that the experience is streamlined and fast, you should have your documents ready.

Guidelines
If you prefer, you can also submit an online enquiry and we will contact you promptly to discuss your home loan requirements and the best solution for you.