page top

What do I need for my application?

Attention: open in a new window. Print

Proof of income

  • Income details for each applicant
  • Two copies of your most recent payslips or a letter from your employer confirming your employment status and income
  • Current Centrelink details if applicable (e.g. family allowance, pension)
  • If you are self-employed you will need your tax returns and profit and loss statements for the last 2 years
Enquire

Employment details

  • Your current employer's details (name, address and phone number)
  • If you have not been in your current job for three years, the details of your previous employment

Identity

Proof of identity is not required to apply for the loan, however you will be required to supply suitable identification at a later date as listed below.

  • If you are an existing member of the Credit Union, your membership number
  • If you have not been living at your current address for at least two years, the details of your previous address

Note: if you are not already a member of the Credit Union you will also need to produce suitable identification before contracts are signed.

Assets

  • Details of your assets including bank accounts, shares, life insurance, motor vehicles and personal effects
  • We will require verification for certain assets, for example rates notice if you own a property or rent receipts if you have an investment property.

Commitments

  • Details of your financial commitments (eg. payments made on other loans, mortgages, credit cards, etc). We will require recent statements.

Car Loan

If you are applying for a Car Loan you will also need to provide details (where available) of the vehicle you plan to purchase:

  • Dealer's invoice
  • Copy of current registration papers
  • If a private sale, copy of current registration paper
  • Proof of insurance cover

Home Loan

If you are applying for a Home Loan you will also need to provide details (where available) of the property you are purchasing:

  • Details of location
  • Type of property
  • Purchase price
  • Your monetary contribution
  • Name of agent or private vendor
  • Name of your solicitor

Consolidation Loan

If you are applying to consolidate your loans you will need to provide:

  • Current statements of all existing loans and credit cards
  • Obtain a payout figure from the lender
  You might be interested in:

 

  • Thank you so much for all your help along the way

    placeholder

    You were vital to keeping everything running as smoothly as it did. I sincerely appreciate t

  • I have not experienced such excellent service when borrowing money

    placeholder

    I really have to thank you for the work you have done today.

    I have not experienced such

  • Thank you for all your hard work

    placeholder

    Thank you for all your hard work and the efficiency you have shown in getting approvals so f

  • Thank you again

    placeholder

    Just want to take this time to thank you for your assistance with my paying off my home loan

  • Really great to be treated like a person

    placeholder

    Once again thank you for all your help. It really great to be treated like a person. ‒ Di

  • Very helpful

    placeholder

    All of your information is very helpful and it's been a joy dealing with you. ‒ Karen

  • Pleasant Experience

    placeholder

    Each time we have had contact with any of the staff at Select Encompass Credit Union it ha

  • Most unexpected thrill to win

    placeholder

    I wish to thank you for the IPAD I won by filling out a member survey and which I collected

  • How appreciative I am of your Credit Union

    placeholder

    I can't believe that I have been with the credit union so long and I plan to be with you

  • So glad to be a member of Select Encompass

    placeholder

    Thankyou so much for your assistance. You can't know how grateful I am. I am just so g

  • You made the process extremely easy

    placeholder

    Steve and I would like to say thank you for your help on our loan. You made the process extr

  • Nice to know a bank cares

    placeholder

    Nice to know a bank cares! ‒ Liz

     

  • I just love the personalised service!

    placeholder

    This is why I've stayed with a credit union just love the personalised service :) Thanks

  • Your services have grown with me as my needs have changed

    placeholder

    I have been banking with the credit union for 15 years now and your services have grown with

  • I wish to highly commend staff at the Gymea Branch

    placeholder

    I wish to highly commend staff at the Gymea Branch for extremely pleasant and professional s

  • Big tick for Select Encompass

    placeholder

    Thanks for your help through the process. Big tick for Select Encompass for being an easy-