Before You Begin
Take a moment to see if we're a good match for each other.
Property
You're refinancing a residential property for up to 80% of its current value.
Borrowers
All borrowers are 18 or over and have an Australian Driver Licence or Australian Passport.
Financials
You earn PAYG or self-employed income.
Home Loan
You're looking for a low variable rate home loan, with redraw. You don't require an offset account, fixed rates or interest-only repayments.
Documents to verify your income
When you apply for an Unloan home loan, you'll need to provide documents to verify your income.
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:
- Your most recent payslip, OR
- Your last 3 months bank statements evidencing permanent employment base salary, allowances, overtime and bonuses, AND/OR
- Your last 6 months bank statement evidencing commission, casual, temporary and seasonal income
Self-employed Income
We will need:
- Your last 6 months of personal bank statements, showing regular payments of income from your business
AND ANY ONE of the following:
- 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
- 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:
- For short-term rentals, your last 6 months of bank statements, OR your last 6 months of statements from the property managing agent.
- For long-term rentals, your last 3 months of bank statements, OR your last 3 months of statements from the property managing agent.
- 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:
- Your last 6 months of bank statements, OR
- Letter / statement from Centrelink, showing the regular benefit amount
Child / Spouse Support & Maintenance
We will need ANY ONE of:
- Your last six months of bank statements, OR
- 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.