To make your application quick and easy, we recommend your prepare the below documents prior to submitting loan enquiry or meeting with one of our Freedom Lend consultants. Please provide the following documentation:


Ensure you have the appropriate identification documents. Identification documents must contain matching personal information, be a copy of the original and current:

One of the following:
Australian Passport
Foreign Passport and Visa Entitlement Verification Online (VEVO)
One of Secondary documents:
Australian Driver Licence
Australian Boat Licence
Australian firearms licence
Citizenship certificate and Medicare Card
Full Birth Certificate and Medicare Card
AND if there is a change of name, one of the below will be required:
Marriage Certificate issued by Registry of Births, Deaths and Marriages
Change of Name Certificate


To determine if you are able to service your application for loan, we review your income by looking through the following requirements.


Whether purchasing a new home or refinancing an existing loan, we ask for details regarding bank accounts and particulars involving your property.


Your investment property can be used as an additional form of income. Provide us with:

  • Current rental/tenancy agreement or Copy of rental statement(s) from managing agent or if a purchase managing agent estimated minimum rental income


For all construction loans, we require:

  • Building contract or tender & draft council plan/specification


For SMSF loans, we will need the following documents. Additional information may be requested during assessment:

  • Certified Super Fund Trust Deed – Beneficial Owner (Must have the power to borrow. If not we will require a variation giving it that power)
  • Certified Property Trust Deed – Property Trustee is the legal owner
  • Variation to Super Fund Trust Deed (if any)
  • Certificate of Registration for the SMSF Trustee company
  • Certificate of registration for the SMSF Bare Trustee company
  • Most recent Annual Members Statement from rollover fund
  • Most recent 2 years or since established Accountant prepared and audited SMSF financial statements
  • Accountant letter to confirm annual ongoing cost for SMSF (if newly established fund and no tax return available)
  • Investment portfolio statements (if any)
  • Proof of independent legal and financial advice

The comparison rates are based on a secured loan of $150,000 over the term of 25 years. WARNING: Comparison rates provided are only given as an example. Your situation may have different amounts and terms which will result in different comparison rates. Please give Freedom Lend a call if you would like to get a clear understanding of your fees and costs.

This information is provided by Freedom Lend Australian Credit Licence 498325 and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you.

Interest rates may change at any time. The applicable interest rate will be the rate on the day of settlement for new loans or the day of processing for variations to existing loans. Lending criteria, fees and T&Cs apply.