You need to be

• At least 18 years old
• An Australian citizen or permanent resident
• Applying in your own name
• Have a good credit rating

You will need to have

• Two forms of ID (driver's licence, Australian passport or Medicare card)
• Two payslips (if you have an employer)
• Your most recent tax assessment (if you are self-employed)

You can give yourself the best chance possible by:

• Work out your borrowing capacity, what repayments can you afford? We will use a range of criteria to decide how much you are eligible to borrow, but you need to be comfortable that you can afford to repay the loan.
• Establish a good banking history, keep your accounts in good order.
• Keep your credit rating in good standing by staying on top of payments to avoid arrears, debts or missed payments.
• Save money, demonstrating your ability to save regularly shows a history of managing money responsibly.

You can make an appointment or call us on 138 001.