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BISDA Finance

Documents We May Need From You

Having your documents ready can help make the finance application process smoother. Requirements vary depending on your employment type, lender, loan purpose, property or asset, and individual circumstances.

Required Documents

Start With Your Applicant Documents

Use the PAYG or self-employed list below as your starting point, then choose the type of finance you need to see the additional documents commonly requested for that loan.

Employees

TFN / PAYG Workers

Common applicant documents for people earning employment income.

Identification

  • Australian driver licence
  • Passport
  • Medicare card
  • Current visa details, where applicable

Income & Employment

  • Recent payslips
  • Recent bank statements showing salary credits
  • PAYG income statement / employment income evidence, where required
  • Tax return and Notice of Assessment (NOA), where required
  • Current employment details:
    • Employer / company name
    • Applicant's job title / position
    • Employer contact person's name
    • Employer contact phone number
    • Employer contact email address, if available
    • Length of employment
  • Employment history, where required by the lender

Financial Position

  • Details of assets, savings and investments
  • Details of home loans, personal loans, car loans and other liabilities
  • Credit card and other credit limits
  • Current living expenses and housing costs
Self-Employed

ABN Holders

Common applicant documents for sole traders, company directors and business owners.

Identification

  • Australian driver licence
  • Passport
  • Medicare card
  • Current visa details, where applicable

Business & Income

  • ABN and GST registration details, where applicable
  • Personal and business tax returns, where required
  • Notices of Assessment (NOA)
  • Business financial statements, where required
  • Business Activity Statements (BAS), where required
  • Business and/or personal bank statements
  • Accountant's letter or income declaration, where accepted by the lender
  • Recent business invoices, where accepted

Business Details

  • Business activity and trading history
  • Business structure and company/trust details, where relevant
  • Accountant's name, firm, phone and email
  • Details of assets, liabilities and existing business finance
Documents by Loan Type

Select the Finance You Need

The following lists are a practical guide only. You may not need every item shown, and the lender may request additional or updated documents during assessment.

Car & Asset Finance

Car / Vehicle / Asset Finance

Additional documents commonly required when financing a car, commercial vehicle, equipment, machinery or another eligible asset.

Applicant & Income

  • Identification documents
  • Recent payslips or acceptable income evidence
  • Recent bank statements
  • Details of existing liabilities and living expenses

Vehicle / Asset

  • Dealer tax invoice, purchase order or sales invoice
  • Vehicle or asset description, year, make, model and purchase price
  • VIN, registration or serial number, where available
  • Seller/dealer details
  • Comprehensive insurance before settlement, where required
  • Lender noted as interested party on insurance, where required

Alternative documentation: availability is lender-specific and generally applies to eligible self-employed applicants.

Business & Income

  • ABN / GST registration details
  • Business bank statements
  • BAS, where required
  • Accountant's letter or income declaration, where accepted
  • Recent business invoices, where accepted
  • Evidence of business trading history

Asset & Contribution

  • Tax invoice or purchase order
  • Asset details and purchase price
  • Evidence of deposit or trade-in, where applicable
  • Insurance documents, where required
Consumer Finance

Personal Loan

Common documents for unsecured or secured personal lending, depending on the purpose and lender.

Identity & Income

  • Identification documents
  • Recent payslips or acceptable self-employed income evidence
  • Recent bank statements
  • Employment or business details

Financial Position & Purpose

  • Details of existing loans and credit cards
  • Living expenses and housing costs
  • Evidence of loan purpose, where required
  • Invoice or quote for the intended purchase, where applicable
  • Evidence of deposit or contribution, where applicable
Commercial Finance

Business Loan

Documentation depends on whether the facility is secured or unsecured, the business structure, trading history, loan purpose and lender.

Business Financials

  • ABN / ACN and GST details
  • Business structure information
  • Recent business tax returns
  • Recent company, trust or partnership tax returns, where applicable
  • Profit & loss statement and balance sheet
  • BAS, where required
  • Business bank statements
  • Accountant details

Facility & Security

  • Loan purpose and requested amount
  • Quote, invoice, contract or purchase agreement, where applicable
  • Details of existing business debts and facilities
  • Business plan or cash-flow forecast, where requested
  • Security/property/asset details, where applicable
  • Evidence of deposit/equity, where applicable
  • Director/guarantor identification

Low / alternative documentation: the lender may use alternative evidence to assess eligible self-employed or business applicants.

Alternative Income Evidence

  • ABN / GST registration history
  • Business bank statements
  • BAS
  • Accountant's letter or income declaration, where accepted
  • Recent business invoices or merchant statements, where accepted
  • Other lender-approved turnover evidence

Loan & Security

  • Loan purpose and amount
  • Security or asset details, where applicable
  • Evidence of deposit/equity, where applicable
  • Existing business finance statements, where requested
  • Director/guarantor identification and details
Residential Lending

Home Loan

Documents commonly required for owner-occupied and residential investment property purchases.

Income & Financial Position

  • Identification documents
  • Recent payslips for PAYG applicants
  • Recent bank statements showing salary/income credits
  • Tax returns and NOAs, where required
  • Self-employed financial statements and tax returns, where applicable
  • Details/statements for existing liabilities
  • Evidence of savings, deposit or gifted funds
  • Details of living expenses

Property & Purchase

  • Signed Contract of Sale
  • Evidence of deposit paid
  • Property details for valuation
  • Rental appraisal or current lease for investment property, where applicable
  • First Home Buyer / grant documents, where applicable
  • Solicitor or conveyancer details
  • Building/pest reports if requested or available

Low Doc: generally intended for eligible self-employed applicants who cannot provide the standard full financial documentation. Criteria, rates, fees and equity requirements vary by lender.

Alternative Income Evidence

  • ABN and GST registration details
  • Business bank statements
  • BAS, where required
  • Accountant's letter or income declaration, where accepted
  • Recent business invoices or other acceptable turnover evidence
  • Personal bank statements, where requested

Property & Funds

  • Contract of Sale
  • Evidence of deposit / available equity
  • Evidence of funds to complete
  • Property details for valuation
  • Rental evidence for investment property, where applicable
  • Solicitor/conveyancer details
Residential Lending

Home Loan Refinance

Common documents for refinancing an existing home or investment property loan, including debt consolidation or cash-out where acceptable.

Refinance Opportunity

Only 12 Months Repayment History?

You may still have refinancing options available. Selected lenders may consider an application with as little as 12 months of satisfactory repayment history, subject to eligibility, credit assessment and lender criteria.

We may request the most recent 12 months of home loan statements or other repayment evidence to review your repayment conduct. Rates, fees, valuation, equity and other lending requirements may also apply.

Check My Refinance Options

Income & Liabilities

  • Identification documents
  • Recent payslips or self-employed income documents
  • Recent bank statements
  • Most recent 12 months of home loan statements / repayment history, where required
  • Statements for debts being refinanced or consolidated
  • Credit card limits and other liabilities
  • Living expense information

Property & Refinance Purpose

  • Property address and ownership details
  • Council rates notice, where required
  • Current lease/rental evidence for investment properties
  • Purpose and amount of any cash-out
  • Evidence supporting cash-out purpose, where required
  • Property valuation information
  • Solicitor/conveyancer details, where required

Low Doc refinance: lender-specific and generally limited to eligible self-employed borrowers using acceptable alternative income verification.

Alternative Income

  • ABN / GST registration
  • Business bank statements
  • BAS, where requested
  • Accountant's letter or income declaration, where accepted
  • Recent invoices/turnover evidence, where accepted

Existing Loan & Property

  • Current mortgage statements
  • Council rates notice, where required
  • Property details for valuation
  • Evidence of equity and funds position
  • Details of debts being refinanced
  • Cash-out purpose and supporting evidence, where applicable
Residential Construction

Construction Loan

In addition to standard home-loan documents, construction lending normally requires detailed builder, contract and progress-payment information.

Borrower & Funds

  • Standard home-loan identification and income documents
  • Evidence of deposit and/or available equity
  • Evidence of funds to complete
  • Existing loan statements, where applicable
  • Land Contract of Sale, where applicable
  • Council rates notice for owned land, where applicable

Construction Documents

  • Signed fixed-price building contract
  • Approved building plans and specifications
  • Construction progress-payment schedule
  • Builder licence / registration details, where required
  • Builder insurance / domestic building insurance, where required
  • Quotes for works excluded from the building contract
  • Variations, tenders or allowances, where applicable
  • Permits/approvals, where required
  • Valuation and lender progress inspections

Low Doc construction: availability can be more restricted than standard home lending and depends on lender policy, borrower profile, project and security.

Alternative Income & Funds

  • ABN / GST registration
  • Business bank statements
  • BAS, where required
  • Accountant's letter or income declaration, where accepted
  • Evidence of deposit/equity
  • Evidence of funds to complete

Construction Package

  • Land contract / rates notice
  • Fixed-price building contract
  • Approved plans and specifications
  • Builder details and applicable insurance
  • Progress-payment schedule
  • Quotes for additional works
  • Valuation/progress inspections as required by the lender
SMSF Property Lending

SMSF Property Loan

SMSF property lending can involve the members, SMSF trustee, security/custodian trustee, Bare Trust, property, guarantors, accountant and solicitor. Requirements vary significantly by lender and structure.

1. Identification & Compliance Forms

  • Driver licence
  • Passport
  • Medicare card
  • Clear coloured identification copies
  • Completed Verification of Identity (VOI) form, where required
  • Broker-certified identification / verification of originals, where required
  • Privacy and consent form
  • Credit guide and credit quote, where applicable
  • Completed loan application
  • Broker declaration / support forms, where required

2. Member Income & Servicing

  • Recent payslips for PAYG members, where required
  • Salary credits / bank statements showing income
  • Individual tax returns and Notices of Assessment, where required
  • Self-employed financial documents, where applicable
  • Evidence supporting servicing and member contributions
  • Accountant's letter confirming expected contributions for a new SMSF, where required
  • Credit report / credit history information, where required

3. Accountant Details

  • Accounting firm name
  • Accountant's name
  • Business address
  • Email address
  • Phone number

4. SMSF Documents

  • Certified copy of SMSF Trust Deed, including variations
  • SMSF investment strategy, where required
  • SMSF financial statements and tax returns, where applicable
  • SMSF bank statements, where required
  • Evidence of member contributions
  • Minutes/resolution of trustee or directors approving the purchase and borrowing, where required
  • Details of the Super Fund and Super Fund Trustee
  • Certificate of company registration for corporate trustee, where applicable

5. Bare Trust / Security Trustee

  • Certified and stamped Bare Trust Deed, including variations
  • Bare Trust / Security Trustee details
  • Certificate of company registration for corporate security trustee, where applicable
  • Security Trustee name and contact details
  • Duty Assessment receipt / evidence of Bare Trust stamping or duty compliance, where applicable
  • Solicitor-prepared Bare Trust documents, where required
  • Lender/solicitor trust deed vetting, where required

6. Property & Purchase

  • Contract of Sale
  • Nomination Form or amended Contract of Sale, where applicable
  • Property valuation, when required by the lender
  • Evidence the purchaser entity is consistent with the required SMSF/Bare Trust structure
  • Rental appraisal / lease, where applicable
  • Insurance certificate, where required

7. Deposit & Settlement Funds

  • Evidence of deposit and available funds for settlement
  • Updated evidence of funds to complete
  • Evidence of required SMSF liquidity/reserves, where applicable
  • Details of any anticipated settlement shortfall
  • Confirmation of available loan proceeds after applicable lender/legal fees, where relevant
  • Evidence any settlement shortfall can be met from acceptable funds

8. Guarantees & Legal Advice

  • Member/guarantor Deed of Guarantee and Indemnity, where required
  • SMSF warranty, where required
  • Statutory declaration by individual member/guarantor, where required
  • Statutory declaration by company director, where required
  • Independent Legal Advice Certificate / Australian Legal Practitioner Certificate, where required
  • Evidence guarantors received independent legal advice, where required
  • Confirmation the Trust Deed permits the proposed borrowing and property acquisition, where required

9. Solicitor / Conveyancer Details

  • Solicitor/conveyancer name
  • Firm name
  • Phone number
  • Email address
  • Settlement contact details
  • Any lender-required confirmation relating to settlement surplus/shortfall handling

10. Additional / Updated Documents

  • Updated payslips or bank statements
  • Updated evidence of funds to complete
  • Updated valuation, where required
  • Additional credit history information
  • Original signed loan/legal documents where required for settlement
  • Further documents requested after legal review of the SMSF or Bare Trust structure

Low / alternative-document SMSF lending: availability and accepted income evidence vary significantly by lender. The SMSF, Bare Trust, property and legal documents are generally still required even where alternative income verification is accepted.

Alternative Income Evidence

  • ABN / GST registration for self-employed members, where applicable
  • Business bank statements
  • BAS, where required
  • Accountant's letter or income declaration, where accepted
  • Recent invoices / turnover evidence, where accepted
  • SMSF bank statements and evidence of member contributions

SMSF & Property Structure

  • SMSF Trust Deed and variations
  • SMSF investment strategy, where required
  • Bare Trust Deed and security trustee details
  • Company registration certificates for relevant corporate trustees
  • Contract of Sale / Nomination Form, where applicable
  • Valuation and rental evidence, where required
  • Evidence of deposit, liquidity and funds to complete
  • Guarantees, legal advice certificates and lender solicitor requirements
Bank Statements

Submit Your Bank Statements Securely

Depending on the application and lender, we may need recent transaction or account statements to verify income, expenses, savings, liabilities or other financial information.

Where appropriate, you can use the secure Illion BankStatements service below to provide your banking information for your BISDA Finance enquiry.

Submit Bank Statements Securely → The button above opens the BankStatements service in a new browser tab.

You may be asked for

  • Recent transaction and savings account statements
  • Statements showing salary or other income credits
  • Statements for existing loans and credit commitments
  • Business account statements for self-employed applicants
  • Evidence of deposit, savings or funds to complete
  • Additional statement periods requested by the lender
Important – General Guide Only

This page is a general document guide and is not a guarantee of approval or a complete list for every lender. The exact documents required depend on the applicant, employment or business type, income, residency or visa status, loan purpose, property or asset, loan structure and lender requirements. Low Doc or alternative-document lending is not available in every situation. BISDA Finance, the lender, valuer, solicitor or other professional may request additional, certified, original or updated documents before approval or settlement. SMSF applicants should obtain appropriate independent legal, tax and financial advice regarding their structure and proposed transaction.

Not Sure Which Documents You Need?

Contact BISDA Finance before sending your documents. We can explain which items are likely to be needed for your particular finance enquiry and lender pathway.

Contact BISDA Finance Call +61 470 650 152