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A job - You need to have a job so that you have an income to pay back the loan amount on your payday. The typical requirement is to make at least $1,000 per month. You need to be a Australian resident and at least 18 years of age. Ideally you need to be employed (part time and self employment is fine), centrelink customers can also apply (unfortunately new start allowance is not acceptable) and you need to have a bank account to receive your loan. If you meet these requirements you could have up to $2000 in your account in as little as 15 minutes. 4. Appraisal (May 26, 2011) – This was handled quickly and without much fuss. No one came to my house to do an appraisal. I assume the were able to do this online using comps from the area. We purchased this place with 20% initially, so I knew there would not be an issue on the refinance because the loan balance is still well under the value of the property…one of the benefits of living in Texas.
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