The nitty gritty
When it comes to refinancing, your existing home loan statements and evidence of ownership are the holy grail. If you’re going with a new lender, these documents prove to your new bank that you’ve brought your ‘A game’ in the past when meeting loan repayments.
They also show what balance you have outstanding on your current loan. This is much simpler than the documentation and info required during the home loan application process, because the key objective in that case was proving to the bank that you have the funds for the purchase to begin with. With refinancing, you’re no longer starting from scratch.
Bear in mind that you’ll still need to provide recent payslips, any alternative income statements, identification documents and credit card statements, but you’ve done it before, so you shouldn’t have any problems!