What do I need to apply for a home loan?

Whether you're looking to refinance your mortgage or buy a new property, we've got a range of home loans to suit. Before you get started, find out what information you’ll need to provide and how you can apply.

Personal details

Don't worry, it's simple stuff. It includes your:

  • name, date of birth, address and contact details
  • employment details
  • financial details (e.g. income, assets, details of other loans and rental commitments).

How to apply

You've got a few options:

  • Online - take a look at our range of loans and get started
  • We'll come to you - our Home Finance Managers are here to answer all your questions and walk you through the process. Call 13 17 19 to make an appointment.
  • We'll call you - book a time and we'll get back to you
  • Visit us - walk into any Bankwest branch and we'll help you out
  • Private Bank - if you earn over $250k individually, have $350k in joint income or $750k of lending, then you could benefit from our Private Bank service.

Ready for full approval?

Once you've had an offer accepted on a property, or you're ready to proceed with your refinancing, we'll need a bit more information from you.

New to Bankwest? We’ll need to ID you.

Visit your local Bankwest branch with an original or certified copy of one of the following:

  • One form of primary ID with a photo (i.e. passport or driver’s licence) or
  • Two forms of primary ID without a photo (e.g. birth certificate and government benefits card) or
  • One form of primary ID without a photo  (e.g. birth certificate or Citizenship papers) and one form of secondary ID (e.g. a utility bill).

For more information, see a handy list of ID we’ll accept.
If you'd rather apply online, you can use out electronic ID check.

Income details

Here's what we'll need:

  • If you are employed on a PAYG basis, your two latest payslips (must display your employer’s name or last year’s group certificate or tax return)
  • If you are self-employed, your financial statements with tax returns for the last two years
  • If you receive any additional income (such as Centrelink benefits or trust income) which you wish to include on your application, we will require confirmation of these.

Buying a property?

We’ll need a copy of your fully signed Offer and Acceptance/Contract of Sale.

Building?

We require copies of:

  • the fully signed building contract
  • your plans and specifications.

Refinancing to Bankwest?

You’ll need to provide six months’ worth of recent home loan statements from your other financial institution.

Need help with your application?

Get in touch with one of our Home Finance Managers, and they’ll respond within one business day.