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Breez Forms

What paperwork is required?

  • 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