Mortgage Experts Blog

< back to blog home

Whats needed to get started?

Marty McDonald - Wednesday, November 09, 2016
If you are ready to take action, you will need to compile this list of essential documents for review:

If you receive PAYG income
  • Last 2 pay slips 
  • 2015-2016 PAYG payment summary 
If you are Self-employed (or a director of any companies)
  • Last 2 years Personal income Tax Return and corresponding notice of assessment 
  • Last 2 years business tax returns 
  • Last 2 years Business financial statements i.e. profit/loss and balance sheet
Rental income
  • 1 of these
  • Letter of proposed rental income from real estate agent (investment property)
  • Current lease agreement showing rental income
  • Managing agent statements 
  • Bank statements showing last 3 months rental deposits. Must clearly show either property details or tenants name 
Existing debts & main bank account
  • Latest statement for all home and investment loans.
  • Latest months main bank account statement where majority of income gets deposited to.
Fact Find

About the Author: Marty McDonald is principal of mortgage broker “Mortgage Experts”. Marty specialises in assisting active property investors with loan structuring advice and implementation as well as helping credit worthy borrowers with slightly outside the box income and employment situations. Find Marty on  and LinkedIn.

What our clients are saying

    "Marty was fantastic! We swore never to use a broker again after bad experiences with other brokers in the past, and our last loan we negotiated ourselves, however this time we needed a mortgage... " – Blake Millgate
    "It is impossible to exaggerate how highly I rate Mortgage Experts and my experience with Marty McDonald... " – Brendan Arlington
    "Mortgage Experts have provided a fantastic experience in an area that can be complicated and emotional. Marty was always clear and precise and always made time to discuss the matters at hand... " – Brett Parker
    "I was really impressed with Marty's services. He was responsive to emails and calls, considered a range of options, and kept me informed at every stage. He was also very patient... " – Elise Darsow
    "Marty was great to deal with. From initial contact to finding a perfect solution and strategy to our situation to then securing the funding in a tight time frame nothing was too much trouble... " – Nick and Blaise Porter
    "Great service! All the advice I've received in the past has been really helpful. Love the newsletters which keep me updated on developments in the market. Highly recommended! " – Nick Jolly
    "I have used Marty's mortgage brokerage service (Mortgage Experts). He has been professional, resourceful, gone beyond the call of duty in servicing my mortgage. He has been able to... " – Prithvi Moses
    "We’re both really happy to have been able to get this sale across the line and are particularly grateful for you finding us a way to make the finance work! Walking into our new home... " – Sarah Macdonald & Stewart Bovell
    "We found Marty McDonald from Mortgage Experts through a Google search because he had a hugely informative page about family trust loans. Choosing Marty as our broker was a huge blessing... " – Tracey Cools

Our Current Lender Panel

Lex Luther Enterprises Pty Ltd (ABN 58114636949) trading as “Mortgage Experts” is an Authorised Credit Representative (444479) of Martin Warren Thomas McDonald, Australian Credit Licence (391230) under s64(1) of the National Consumer Protection Act 2009.