Unlike other comparison sites, we are completely independently run, funded and not owned by any Bank or Insurer and we are not a product issuer or a credit provider. Makes Cents Services Pty Ltd and EMBR Group Pty Ltd do receive fees and commissions for providing this service and sharing your information with a relevant product or service supplier. You should consult the individual product issuer or credit provider for their terms and conditions and read any specific product disclosures. When we provide comparisons, or pass your details onto product issuers or credit providers, Or other comparison services, this is not a recommendation from Makes Cents Services Pty Ltd or EMBR Group Pty Ltd and in no way should be treated as personal or general advice about the suitability of a product or service. This is based on the details provided through this site and our partners product or service criteria at the time of the enquiry. Makes Cents Services Pty Ltd (ABN 13630717243) is a wholly owned subsidiary of EMBR Group Pty Ltd (ABN 27 147 278 153) Australian Credit Licence 519274 and operates as a free service that allows users to compare quotes and save money in a few simple steps. ![]() Our AWA Alliance Home Loan Review is just one of many. Click here to start making a comparison today! Act now! At Makes Cents, you have access to more than 25 lenders, banks or otherwise.īy comparing multiple plans, you’ll be able to determine which lender has better interest rates and product features that suit your needs. Making the right decision about your home loan is easier if you are armed with the right amount of information. All of your outstanding debts and ongoing loans need to be listed here. Liabilities – You can provide the most recent statements for your credit cards, store cards, car loans or personal loans. The more information you provide, the more you can show lenders that you have enough money to pay for your monthly mortgages as well as a deposit. vehicle registration and bank statements) before you approach a bank. ![]() You have to prepare all necessary documentation per asset (e.g. This includes your shareholding statement, a bank statement where your investment income gets credited or your most recent Centrelink statement.Ĭasual workers – You’ll be asked to provide your previous year’s notice of assessment from the ATO.Īssets – Make sure you list all the assets you have, such as other properties, high-interest savings accounts and vehicles. Multiple incomes – If you have more than one source of income, you will need to provide documents for each source. Instead of payslips, you will most likely be asked to provide your latest notice of assessment from the Australian Taxation Office. Self-employed – If you own a business, you need to find low documentation loans. PAYG employees - Recent payslips (possibly the last two months), bank statements for the last three months that reflect your salary, employment contract stating your base wage or your previous year’s tax return. You will need to provide documents that will establish your identity, such as passport, birth certificate, citizenship certificate and driver’s license. The following are some of the documents that you will be asked to provide. You should be a PAYG employee or have a regular source of incomeĪWA Alliance Bank will require certain information from you when you apply for a home loan.It has no application and ongoing fees, as well. This is an interest-only home loan with a free redraw facility. If you are looking to invest in property or want to expand your property portfolio through your self-managed super fund, you will find that this product may suit your needs. This is an interest-only home loan with no application and ongoing fees. It has no application and ongoing fees and features a free redraw facility. This home loan has a fixed rate for one to five-year terms. Below are their three products and their description. Home loan products that are offered by AWA Alliance Bank have no application fees. ![]() You can find their branches in Geelong and Portland in Victoria and Mandurah in Western Australia. They offer home loans, savings accounts, personal loans, term deposits and credit cards. Today, AWA is now a member of the Alliance Bank network and has partnered with Bendigo & Adelaide Bank. Read Here for Our AWA Alliance Home Loan Review:ĪWA Alliance Bank was established in 1969 as the Point Henry Credit Co-operative to provide financial services for Alcoa personnel, and to Portland Aluminium employees by 1990.
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