• Proof of Identity (e.g., driver’s license or passport)
• Proof of Income (e.g., recent pay stubs, tax returns, W-2 forms)
• Bank Statements (showing your financial history)
• Credit Report (usually obtained by the lender)
• Employment Verification (e.g., letter from your employer)
• Property Details (if you’ve selected a property to buy)
• Debt Information (details of existing loans and credit card balances)

• Fixed-Rate Mortgages: Enjoy consistent monthly payments with a fixed interest rate throughout the loan term.
• Adjustable-Rate Mortgages (ARMs): Start with a lower interest rate that adjusts over time, offering potential savings.
• FHA Loans: Ideal for first-time homebuyers with lower down payment options and flexible credit requirements.
• VA Loans: Exclusive to veterans and active military members, offering competitive rates and no down payment.
• Jumbo Loans: For purchasing high-value properties that exceed conventional loan limits.
• Refinancing Loans: Refinance your existing mortgage to lower your rate, change your term, or access home equity.

Yes, you can still get a home loan in Australia with bad credit, but it may be more difficult. Lenders typically offer specialized loans for those with lower credit scores, such as non-conforming or specialist loans. These loans often come with higher interest rates and stricter terms due to the increased risk. Some lenders may also require a larger deposit, usually around 20% or more, and thorough proof of stable income.