How recent do my documents need to be?

Most lenders require documents dated within the last 30 days. Bank statements and payslips should be your most recent. ID documents just need to be current (not expired).

What if I can't find a document?

For payslips, ask your HR or check your employee portal. For bank statements, download from online banking. For ATO documents, use myGov to access your ATO account.

Document Checklist Generator

AI Advisor

Get a personalized checklist of documents needed for your loan application

Free to useNo data storedReal-time dataAI insightsUpdated: February 2026

Different lenders want different documents, especially for self-employed or complex income. Our AI generates a checklist tailored to your employment type and chosen lender, so you're prepared before you apply.

Enter Your Details

Real-World Examples

PAYG Full-Time Employee

Sarah works at a corporate job, base salary plus quarterly bonuses.

Inputs:

employmentType:Full-time PAYGlender:Not sure yetvisaStatus:Australian Citizen

Standard docs: ID, 3 payslips, 2 most recent bank statements. For bonuses: lender may want 2 years' payslips showing consistency or letter from employer.

Self-Employed Sole Trader

Mike runs a landscaping business, 4 years established.

Inputs:

employmentType:Self-employed (sole trader)lender:Not sure yetvisaStatus:Australian Citizen

Need: 2 years' personal and business tax returns, ATO NOAs, 6 months' business bank statements, ABN registration, current accountant letter.

Frequently Asked Questions

Glossary

ATO NOA (Notice of Assessment)

An official letter from the ATO confirming your taxable income and any refund/debt for a financial year. Essential for self-employed applicants.

100 Points ID

A scoring system for identity verification. Primary documents (passport, birth certificate) score more than secondary (license, Medicare card).

VOI (Verification of Identity)

The process lenders use to verify you are who you claim to be. Usually done via video call or in-person at Australia Post.

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Disclaimer: This calculator provides estimates only and should not be relied upon for financial decisions. Interest rates, fees, and policies change frequently. Always verify information with lenders directly. This is general information, not personal financial advice. Consider seeking advice from a licensed mortgage broker or financial advisor.

Last updated: February 2026