How to Apply for a Home Loan

Applying for a home loan is simple. You can do so at any of our branches, or have one of our Retail Relationship Managers visit you at home or work.

Below is a checklist of items to bring to your loan interview:

If you are not an existing customer of Arab Bank Australia:

  • Either a birth certificate, passport or Australian driver’s licence and one of the following:
    • Current council rate notice, or
    • Current water rate notice

Other documents may also be acceptable to establish your identity. The documents provided must contain your photograph and your residential address.

If you are a wage or salary earner:

  • Your last two years tax return;
  • Your last three pay slips or an original letter of employment from your employer;

If you are self employed:

  • Your last three years' financial statements; or
  • Your last three years' tax returns;

If you are purchasing a new property:

  • The front page of the contract of sale;

If you are refinancing from another bank:

  • Copies of your last 6 months' loan or transaction statements for the loan being refinanced;
  • Land rates notice for proof of ownership of land;

Details of what you own, such as:

  • Funds held in bank accounts;
  • Investments (super, shares etc);
  • Assets (vehicle, boat etc);
  • Property investments;

If you own rental property:

  • The last three rental income statements from the real estate agent;

Details of what you owe, such as:

  • Personal loans;
  • Leases;
  • Any other personal debts;
  • Information about any credit or store cards, including credit limits and current balances;
  • Your solicitor's / conveyancer's contact details

To learn more about our Home Loans or for information on how to apply, please contact one of our Retail Relationship Managers, who are more than happy to visit you when you are free, whether at home or work.

All applications for loans are subject to Arab Bank Australia Limited's normal credit approval criteria. Lenders' Mortgage Insurance is required on loans above 80% of the property's value that is offered as security. Terms and Conditions apply. Fees and charges apply. To the extent that any material on this page could be construed as general advice, it has been prepared without taking account of your objectives, financial situation or needs. Because of this, before acting on any advice, you should consider its appropriateness, having regard to your objectives, financial situation and needs.