Required Documents

Documents required for a new home loan application

Latest 3 months' consecutive payslips. Must be verifiable in bank account.
If in receipt of allowances, commission or variable pay, then 6 months’ latest consecutive payslips are required.
Detailed Income and Expenditure statement, signed by applicant(s).
Latest 3 months’ bank statements, stamped by the bank, not Internet statements
If in receipt of variable income, then 6 months’ latest statements will be required
Statement of Assets and Liabilities, signed by applicant(s)
If applicant is not a SA citizen, copy of residence and work permits will be required
Rental contracts in respect of any rental income which may be used in assessing affordability
Clear copy of Identity document(s)
Offer to Purchase (Fully completed and signed by both Seller and Buyer). A minimum of one witness required to verify and validate Seller and Buyer signatures.

Latest 2 years audited business financial statements
Letter from auditor confirming personal income
If financials are more than 6 months old, then up-to-date, signed management accounts are required
Cash flow forecast for ensuing twelve months
Personal statement of Assets and Liabilities
Personal & business bank statements (Covering latest 6 month period – all banks) - Each page stamped by bank branch.
IT34
Company/CC/Trust – statutory documents
Identity document(s) of directors/members/ Trustees
Offer to Purchase (Fully completed and signed by both Seller and Buyer). A minimum of one witness required to verify and validate Seller and Buyer signatures.