• Breez application form fully completed and signed. Other applications are accepted provided we have the Breez Privacy Form signed (pages 5 and 6). Ensure Next of Kin is different for each applicant (eg. different person/different address).
• History/Story of client from the Broker (if applicable)
• Brokerage Agreement (if applicable)
• Upfront fee of $300.00 for valuation
• Very clear copy of passport and/or drivers licence
• Signed explanation for any Credit Defaults/Court Judgments/Loan Arrears
• Current rates notice
• First Home Owner Grant (plus copy of Citizenship and Passport)
• Signed letter of intent to build (if security is vacant land)

INCOME VERIFICATION

If P.A.Y.E. earner:

• At least two current payslips PLUS
• Last two years group certificates and respective taxation assessment notices; or
• Last two years full and complete tax returns

If self employed (company/partnership/sole trade/trust):

• Copy of last two years full and complete personal tax returns including the profit and loss and balance sheet; or
• Copies of sub contract invoices for the past two years

If using any Centrelink or Other income:

• Centrelink Statement (most recent)
• Proof of boarder income
• Child Support letter and bank statements showing maintenance income (6 months.)

OTHER DOCUMENTS REQUIRED

• Current Credit Card Statement
• All current Mortgage statements (If refinancing, past 6 months are required)
• Current personal loan statement
• Evidence of funds to complete
• Fire and all risks insurance over property noting interest of Lender as first mortgagee – 12 months fully paid. This is to be held prior to settlement.
• Confirmation of rental income for investment property via Property Management Statement, Tenancy Agreement, Real Estate Letter or Valuation Report

Purchasing

• Copy of the Contract of Sale executed by the Vendors

Construction

• Builders Fixed Price Contract
• Building plans and specifications
• Owner Builders permit / detailed list of costings

Refinancing

• Discharge Authority Form
• Current Personal Loan statement if being refinanced

ADDITIONAL CHECKLIST - OWNER BUILDER TO BE USED IN CONJUNCTION WITH EITHER:-

• REFINANCE
• ADDITIONAL ADVANCE
• PURCHASE
• COPY OF OWNER BUILDER PERMIT (QUEENSLAND REQUIREMENT ONLY)
• SUBJECT TO SATISFACTORY VALUATION ON "AS COMPLETE" BASIS – PLANS OF CONSTRUCTION TO BE AVAILABLE, THESE TO BE SUBMITTED TO VALUER
• PROOF OF LODGEMENT TO COUNCIL FOR APPROVED & STAMPED PLANS AND SPECIFICATIONS, THESE ARE REQUIRED PRIOR TO SETTLEMENT
• BUILDER’S ALL RISK INSURANCE (which covers the physical risk during its construction).
• THIS INSURANCE IS FOR SITE PERSONNEL
• APPROPRIATE WORKERS COMPENSATION AND PUBLIC LIABILITY INSURANCE
• THIS INSURANCE IS FOR SUBCONTRACTORS AND DELIVERY PERSONNEL/VISITORS
• CUSTOMER’S BANK ACCOUNT DETAILS FOR PAYMENTS
• CUSTOMER’S QUOTES AND DETAILED COSTINGS AND/OR A DETAILED REPORT FROM AN ESTIMATOR, THIS IS TO ENSURE THERE ARE SUFFICIENT FUNDS TO COMPLETE

• CUSTOMERS DETAILED SCHEDULE OF DRAWS

DOWNLOAD THE "OWNER BUILDERS CHECKLIST" HERE