Verify your personal loan application

Verify your salary with one of the following:

• your latest bank statement(s) showing your last two salary deposits
• a payslip showing your year-to-date income for at least two pay cycles
• two of your last three payslips.

Ensure your most recent payslip or salary deposit is:

• no older than 21 days (weekly or fortnightly payments)
• no older than 30 days (monthly payments)
• no older than 90 days (payments greater than monthly).

Make sure all documents show your full name, your agency or institution name and your ABN.

If you’ve just started a new job and don’t have enough payslips yet, you can provide either:

• a letter from your employer detailing your employment arrangement
• your employment contract, signed and dated by both you and your employer.

Verify your Overtime/Commission Income with one of the following:

• A payslip from the last 60 days showing your year-to-date overtime for at least 6 months.

If you’ve been employed for less than 6 months, you can provide:

• A recent Pay As You Go (PAYG) payment summary
• Your personal tax return for the last financial year
• A signed employment contract or letter of offer detailing the regular overtime or commission as a condition of employment

Please ensure all documents show your full name and your employer/institutions name & ABN.

Verify your Bonus income with one of the following:

• Payslips detailing your bonus payments for the past two (2) years
• A reward statement from your employer with details of your bonus payments received in the past two (2) years
• A signed letter from your employer detailing the bonus payments received in the past two (2) years.
• Personal tax returns for the last two (2) financial years
• Bank statement(s) and / or transaction listing(s) that evidence receipt of the bonus payments.
  (Note: Only the pages evidencing the payments are required, not the full two year period)

Please ensure all documents show your full name and your employer/institutions name & ABN.

Verify your Casual or Contract income with one of the following

• Your most recent bank statement(s) from the last 60 days showing your last two (2) salary deposits from your employer.
• A payslip from the last 60 days showing your year-to-date income for at least two (2) pay cycles.

If your year-to-date income figure on your payslip is for less than two (2) cycles please provide one of the below

• Your most recent Pay As You Go (PAYG) payment summary.
• Your personal tax return for the last financial year.

Please ensure all documents show your full name and your employer/institutions name & ABN.

Verify your Self Employed Income with the following based on your business structure:

If your business runs as a Sole Trader, please provide the following:

• ATO Notice of Assessment (NOA) for the most recent financial year
• Individual Tax Return (ITR) for the most recent financial year

If your business runs as a Partnership, please provide the following:

• ATO Notice of Assessment (NOA) for the most recent financial year
• Individual Tax Return (ITR) for the most recent financial year
• Partnership Tax Return (PTR) for the most recent financial year

If your business runs as a Company, please provide the following:

• ATO Notice of Assessment (NOA) for the most recent financial year
• Individual Tax Return (ITR) for the most recent financial year
• Company Tax Return (CTR) for the most recent financial year

If your business runs as a Trust, please provide the following:

• ATO Notice of Assessment (NOA) for the most recent financial year
• Individual Tax Return (ITR) for the most recent financial year
• Trust Tax Return (TTR) for the most recent financial year
• A copy of the Schedule of Beneficiaries in a Trust Deed

Please ensure all documents show your full name and your agency/ institutions name & ABN.

Verify your Government Allowance income we require one of the following:

• Your most recent bank statement(s) from the last 60 days showing 3 months of consecutive allowances payments.
• A letter or statement from the government authority /government agency that has made a payment to you in the last 60 days.

Please ensure all documents show your full name and your agency/ institutions name & ABN.

Verify your Child Support/Maintenance payments with the following:

• The Maintenance Agreement/Child Support Assessment Notice(CSA) registered with the Child Support Agency confirming nature of payments.

AND one of the following:

• A bank statement(s) no older than 60 days showing consecutive payments over at least a 6 month period, or
• ACSA online Payment History no older than 60 days, showing consecutive payments over at least a 6 month period.

Please ensure all documents show your full name and your agency/ institutions name & ABN.

Verify your Existing Rental Income with one of the following:

• A current lease signed rental/lease agreement (including Contract of Sale - Rental Schedule)
• Your most recent rental statement(s) from the last 60 days showing at least four (4) weeks rental payments on your real estate agent’s letterhead.
  
  
• Your most recent bank statement(s) from the last 60 days showing at least two (2) rental income deposits.
• A rental property schedule contained in a current tax return from the past 2 years-prepared by a tax agent or with evidence it was lodged with the ATO.

Please ensure all documents show your full name and your agency/ institutions name & ABN.

Verify your New Rental Income with one of the following:

• A market appraisal from a registered real estate agent
  (Note: Market appraisals must be on the agent’s letterhead, state the property address, and be signed and dated no later than 60 days from the application date)
• A current signed lease agreement
  (Note: Lease agreements must confirm the property owner, address of the property, frequency and amount of rental income or prospective rental income).

Please ensure all documents show your full name and your agency/ institutions name & ABN.

Verify your Superannuation income with one of the following:

• Your most recent Bank or Superannuation fund statement(s) from the last 60 days showing the regular payments from your Superannuation investment over the past three (3) months
• Financial Statements or equivalent (e.g. Self Managed Superannuation Fund (SMSF) Tax Return)
• A letter from a financial planner or advisor detailing regular payments from your superannuation investment.

Please ensure all documents show your full name and your agency/ institutions name & ABN.

These include Dividend Shares and Managed Funds.

Verify your Investment Income with one of the following:

• A Shareholding certificate, current dividend statement or notice
• A Managed Fund current statement or notice
• Your most recent Bank statement(s), showing at least two (2) direct credits as investment income
• A Share Registry advice
• A Term Deposit certificate
• A letter from a financial planner with the NAB Group
• Your most recent tax return

Except for bank statements, all documents need to include:

• The name of the publicly listed company in which the investment is held
• The specific name and type of investment held
• The name of at least one of the customers.

Please ensure all documents show your full name and your agency/ institutions name & ABN.

Verify your Foreign Income with the following:

• A minimum of two (2) consecutive individual payslips for a 60 day period, with your most recent payslip being no older than 60 days; and
• A bank statement(s) no older than 60 days, showing salary credits for the 60 day payslip period; and
• A letter from your employer detailing your employment status, employment start date and year-to-date income.

Please ensure all documents show your full name and your agency/ institutions name & ABN.

Verify your Defence Force Income by providing one of the following:

• Your most recent bank statement showing your employment income for at least 6 months
• A payslip within 60 days of your application submission date showing more than 6 months of your year-to-date earnings.

If you have been employed for less than 6 months, you can provide:

• A payslip from the last financial year, or a letter or statement from the Defence Force Reserves that is within 60 days of your application submission date

Please ensure all documents show your full name and your agency/ institutions name & ABN.

Verify your Credit/Store Card liability with the following:

• The latest three (3) credit/store card statements detailing your Card limit and Balance.

Please ensure all documents show your full name and your agency/ institutions name & ABN.

Verify your home loan or personal loan liability with the following:

• The most recent three (3) months loan statements detailing your Loan limit and Balance.

If the latest loan statement is older than three (3) months; please provide a Transaction listing for the most recent transactions to support the Loan Statements. Please ensure all documents show your full name and your agency/ institutions name & ABN.

Simply bring along 100 points of ID to your local branch:

70 Points each:

• Current passport, Birth certificate, Citizenship certificate, Australian Government Issued Driver's licence, Australian Government issued Social Security/Pension card/Health Care card or Proof of age card

30 Points each:

• Medicare card, Tertiary Institution Identity card, International/Foreign driver’s license, Australian Taxation Office (ATO) Notice of Assessment - less than 12 months old, Australian Government issued Permit (e.g. Boat license, Shooting license). or Australian issued Rates notice/Utility Bill/Registration notice - less than 3 months old from date of issue.

Please ensure all documents are originals and are not photocopies.