Investment Property Loan Document Checklist
Investment property files bring rental income, existing portfolio data, and investor specific policy considerations together. Collecting the full pack early means the broker can model the deal accurately before choosing a lender.
Documents to collect
Income documents (payslips, tax returns, or both)
Verify all income sources. PAYG borrowers need payslips. Self employed borrowers need the full self employed document set.
Read the full guide →Current lease agreement or managing agent rental statement (existing rentals)
Confirm the weekly rent, tenant status, and any arrears for every existing investment property.
Read the full guide →Real estate agent rental appraisal (proposed rental on new purchase)
Confirm the appraisal is on letterhead, recent, and from a registered agent in the area.
Existing home loan statements (all properties)
Extract balance, rate, repayment type, offset balances, and remaining term for every loan.
Read the full guide →Three months of bank statements (all accounts)
Match salary credits, identify rental deposits, and check for red flags.
Read the full guide →Contract of sale for the new purchase
Confirm purchase price, settlement date, and deposit paid.
Tips
- ✓Map the full existing portfolio before modelling the new purchase
- ✓Apply the lender specific rental shading percentage rather than a generic figure
- ✓Investor loans often carry rate loadings and tighter LVR caps than owner occupier products
How QualifyMate helps
QualifyMate aggregates rental income by property address and reads home loan statements alongside income and liability documents, giving brokers a consolidated view of an investor portfolio without manual reconciliation.
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