Home Loan Preparation Checklists

Choose your checklist

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Buying a home

Prepare your budget and understand the steps before committing to a property.

Document net household income and recurring expenditure
Allow for costs that begin after settlement
Keep emergency funds separate from purchase funds where possible
Choose a working range rather than one exact maximum
Separate the deposit from buying costs
Treat pre-approval as conditional

Read the first home buyer guide for WA

Refinancing

Gather the current loan details and decide what you want a review to achieve.

Primary goal and acceptable trade-offs
Expected time before sale, repayment or another refinance
Recent statement and current payout estimate
Contractual remaining term and repayment frequency
Fixed-rate or interest-only end dates
Discharge, break and package implications

Read the refinance guide

Application documents

Use this as a starting point. Luke will confirm the evidence needed for your application.

Read the Credit Guide and complete privacy consent before sending documents
Identity and personal details
Income evidence
Deposit, savings and source of funds
Debts, limits and household expenses
Property and loan-purpose documents
Complete a document quality check

Read the complete documents guide

Before sending identity or financial documents, read the current Credit Guide, complete the application privacy consent and confirm the collection method with Luke. Do not send those documents through the website enquiry form. These checklists are general preparation prompts, not a lender assessment.

Preparation checklists

Choose your checklist

Buying a home

Refinancing

Application documents

Not sure what to prepare?