IBA acknowledges the Traditional Owners of Country throughout Australia and their continuing connection to land, sea, and community. We pay our respects to them and their cultures, to the Elders past, present, and emerging.
Aboriginal and Torres Strait Islander people should be aware that this website may contain images, names and voices of deceased people.


When you have everything in place to apply for an IBA Home Loan, one of our team will get in touch. There may be a wait period from the time of your EOI assessment and your invitation.

If you have an email address, IBA will send you an application form and additional documents (i.e. Aboriginal and Torres Strait Islander Descent Confirmation) to complete via the Ezidox platform, a safe and efficient way to provide your information and upload documents. If you don’t have access to email, we can send a paper-based application kit. 

Please read the application form carefully as it details the documents required.

Additional information and evidence

  1. Identification documents - details of acceptable documents can be found below.*
  2. Latest two consecutive wage or salary payslips or a letter from employer giving details of your employment.
  3. Copies of most recent bank statements for all transaction accounts for each applicant.
  4. Evidence of savings (for deposit and costs). For example, bank, building society and/or credit union statements.
  5. If any of your funds were a gift, a separate statutory declaration from the person who made the gift and evidence of funds. For example bank, building society and/or credit union statements.
  6. Evidence of financial commitments. For example, copies of latest account statements for loans, credit cards, store accounts and, if applicable, child support payments.
  7. Latest income tax assessment (please remove or delete your tax file number before submitting to IBA).
  8. If self-employed, a copy of your income tax returns for the last two years and income and expenditure statements of the business for the last two years (please remove or delete your tax file number before submitting to IBA).
  9. Evidence of ownership if you already own land.

*Acceptable identification documents

  1. One photographic identification document from List A;
  2. two non-photographic identification documents from List B; or
  3. one non-photographic document from List B and one document from List C.

List A

  • An Australian passport (either a current passport or a passport that expired within the last two years)
  • A current drivers licence (issued by a state or territory)
  • An international passport or identity card (issued by a foreign government, the UN or related agency and must be accompanied by a translation if not in English)
  • A proof of age card (issued by a state or territory)

List B

  • A birth certificate or birth extract (issued by a state or territory in Australia)
  • A citizenship certificate (issued by the Commonwealth of Australia)
  • A pensioner concession card, a health care card, seniors health card (issued by Centrelink or Department of Veterans’ Affairs)

List C

  • An Australian Tax Office tax assessment notice (issued in the last 12 months and shows current residential address)
  • A notice by a local government body or utilities provider e.g water rates or  council rates (issued within the last three months and shows current residential address)
  • A landline telephone, gas or electricity notice (issued by a utilities provider within the last three months and shows current residential address)
  • A Government financial benefits notice  e.g. Centrelink statement (issued in the last 12 months and shows current residential address)


  1. Appendix A: Persons who can certify a document for identification purposes.
  2. Appendix B: Collection of personal information notice.
  3. Appendix C: Consent to use your personal information.

Application guide

In this video, IBA staff talk about the key documents you need to complete when applying for an IBA home loan:

  1. IBA Home Loan Application Form
  2. Aboriginal or Torres Strait Islander Descent Form


Filling in these documents accurately and providing all the supporting documentation helps us to assess your application and provide with you a decision faster. Please note this information is current as at October 2023 and is subject to change. If you have any questions about the application process, contact the Home Ownership team on 1800 107 107 (option 1).

The information contained in this video is general in nature and not tailored to your particular circumstances, objectives or needs. If you are eligible and decide to apply for products or services from IBA, you should obtain independent financial and legal advice before signing any documentation or making any significant financial decisions. The information in this material may have changed since the material was prepared. IBA takes no responsibility for any damage or loss suffered by you in relying on the information in this material and no representation or warranty is made as to its fairness, accuracy or completeness.