Why Documents Matter
Lenders use documents to verify:
Income
Expenses
Personal Documents Required
- Driver’s licence or passport
- Medicare card (optional)
- Proof of address
Income Documents
PAYG Employees:
- Payslips (2–3 months)
- Employment letter
Bank statements
Self-Employed:
- Tax returns (2 years)
- BAS statements
- Business financials
Bank Statements
Usually:
- Last 3–6 months required
- Must show income & expenses
Liability Documents
- Credit card statements
- Personal loans
- Car loans
Additional Documents (If Applicable)
- Rental income proof
- Investment statements
- Property details
Conclusion
Having documents ready speeds up approval significantly.
