Just like when you apply for a mortgage in any other country in the world you are going to have to provide proof of income, proof of expenses and also proof of citizenship. When you apply for an Australian mortgage you are going to need to have quite a few documents in hand or you cannot proceed with the application 

In terms of identifying yourself to the Australian mortgage lender you need to provide  --

• Proof of citizenship or if you are a foreigner a photocopy of your passport
• Photo identification with your picture on it such as driver’s license
• A photocopy of any applicable marriage certificates
• Six months worth of personal bank statements that demonstrates both your incoming and outgoing income

You will also need to provide some kind of confirmation that you have income coming from employment

If you are employed you will need to bring

• A confirmation of your employment by providing a contract or letter from your employer that states you position, starting date of employment and the position that you hold
• You will also be required to provide three recent pay stubs and your last two P60s

If you are self employed you will have to provide

• Three years of records of how much money you have made (preferably audited)
• A letter from a chartered accountant confirming your income
• Income tax returns from the last two years

If you are a landlord or receive inheritances or other sources of income you will have to confirm revenue from those sources as well by providing

• Copies of tenancy agreements if rental revenue is included
• An annual statement of pension or retirement payment details

You will not only need to provide confirmation of what money you have coming in but also of what money is going out…this includes

• Your most recent annual mortgage statement
• If you are renting you need to provide a copy of your tenancy agreement
• Copies of any loan agreements that you have
• Copies of any recent credit card statements

The reason you need to provide proof of outgoing income is so that the Australian mortgage lender can figure out what your debt to income ratio. This is because you can have a high income but a debt that is too high to be able to afford a new mortgage. 

You should also bring the property details. Property details include --

• Copies of the sales contract
• The property registration certificate
• The developer’s plan for construction, additions and renovations if applicable

If you are a non-resident then you need to also provide proof that you have been approved for applying for a mortgage from the Australian Foreign Investment Review Board.