Documents to verify your income

When you apply for an Unloan home loan, you'll need to provide documents to verify your income.

Unloan Lending Team

Learning

Typically, you can use bank statements, payslips, tax statements to verify your financials. Below you can find a detailed list of the usual types of documents that can be used to verify items listed in the ‘Verify Financials’ screen. Depending on your situation, we may require additional documents. We also consider the recency of any documents provided.

Employment Income

We will need ANY ONE of:

  1. Your most recent payslip, OR
  2. Your last 3 months bank statements evidencing permanent employment base salary, allowances, overtime and bonuses, AND/OR
  3. Your last 6 months bank statement evidencing commission, casual, temporary and seasonal income

Self-employed Income

We will need:

  1. Your last 6 months of personal bank statements, showing regular payments of income from your business

AND ANY ONE of the following:

  1. A letter from your accountant, advising that the company has sufficient profits to meet the business commitments, it can continue to pay your salary and the date it began trading, OR
  2. Financial statements from the last two financial years, showing that the business made a profit in those years.

Rental Income

We will need ANY ONE of:

  1. For short-term rentals, your last 6 months of bank statements, OR your last 6 months of statements from the property managing agent.
  2. For long-term rentals, your last 3 months of bank statements, OR your last 3 months of statements from the property managing agent.
  3. Alternatively, you can also provide your most recent tax return or the current lease agreement for your property the income is from.  

Investment Income

We will need a statement from the investment administrator (e.g. registrar, broker) showing income received over the last 12 months

Government Payments

We will need ANY ONE of:

  1. Your last 6 months of bank statements, OR 
  2. Letter / statement from Centrelink, showing the regular benefit amount

Child / Spouse Support & Maintenance

We will need ANY ONE of:

  1. Your last six months of bank statements, OR 
  2. Family Law Court Order / Child Support Agency Letter / Solicitor’s letter, showing the regular benefit amount

Applications are subject to credit approval, satisfactory security and minimum deposit requirements. Full terms and conditions will be set out in our loan offer, if an offer is made.