Document checklist
A clean refinance document checklist saves time, but the exact list still depends on borrower type, lender policy, property, debts and loan purpose.
A refinance document checklist usually starts with ID, income evidence, bank statements, current home loan statements, property details, debts, expenses and purpose evidence. PAYG, self-employed, investor and consolidating borrowers can each need different supporting records.
The common mistake is asking every borrower for the same file. Start with the borrower type, then check which proof belongs in the first conversation.
Photo ID, recent payslips, salary credits, bank statements, current loan details and debts.
Employment changes, bonus or overtime evidence, leave status, probation notes or second income details.
ID, personal and business income evidence, tax returns, notices of assessment and current loans.
BAS, financial statements, accountant details, business bank statements or company and trust documents.
Current loan details, property details, rental income evidence, leases, rates and other debts.
Rental statements, property expenses, strata or body corporate details and investment loan statements.
Home loan statements plus the statements for cards, personal loans, car loans and limits being reviewed.
Payout figures, repayment amounts, hardship context if relevant and a plan for cleared credit limits.
Treat this as a find-it worksheet. The goal is not to upload everything immediately. It is to know where the evidence lives when a broker or lender asks.
Driver licence, passport or other accepted ID.
Broker checks: Names, addresses and verification method line up with lender requirements.Payslips, salary credits, tax returns, notices of assessment, BAS or business records.
Broker checks: Income type, consistency and policy fit before a lender file is built.Recent statements, rate, repayment, balance, fixed expiry, offset or redraw details.
Broker checks: Whether repricing, restructuring or switching is actually worth checking.Bank statements, credit limits, personal loans, car loans and other commitments.
Broker checks: The debt picture includes limits and repayment conduct, not only balances.Address, estimated value, rates, insurance, strata or body corporate information.
Broker checks: Valuation, LVR, LMI risk and property details are ready for lender review.Renovation quotes, debt statements, investment evidence, fixed-rate expiry or cash-out purpose notes.
Broker checks: The documents match what the extra borrowing or refinance is meant to solve.Document safety
This checklist is general only. Do not upload or send sensitive documents unless emoney confirms the approved secure process. A document checklist is preparation, not permission to send every record through the fastest channel.
Sensitive documents should go through the secure process confirmed by emoney or the lender, not casual message threads.
Prepare the likely categories, then let the broker or lender confirm the exact list for the borrower type and purpose.
Use clear copies where requested and keep original documents, passwords and one-time codes out of casual channels.
Calculators are estimates only. Use them to understand the refinance question, then use the document checklist to prepare the evidence a broker may need to verify it.
Common questions
Common starting documents include ID, income evidence, bank statements, current home loan statements, property details, debts, credit limits, living-expense evidence and documents that support the loan purpose.
No. Requirements vary by lender, borrower type, income type, loan purpose, property type and whether extra borrowing is requested.
Often, yes. A lender may need tax returns, financial statements, BAS, notices of assessment or other business evidence depending on policy.
Use the secure document process confirmed by emoney or the lender. Sensitive documents should not be sent casually.
They are usually helpful because they show the existing balance, repayment, account conduct, rate details and sometimes fixed-period information.
Prepare statements for debts being reviewed, including balances, repayments, interest rates and limits. The review should compare total cost and security risk alongside the new monthly repayment.
No. Find the likely records first, then let the broker confirm the exact list and the approved upload path for your borrower type and lender options.
Yes. If the income, property, debt or purpose evidence is not ready, the better next step may be to prepare the file before submitting anything to a lender.
General information only. It does not account for your personal circumstances. Guidance on this page was checked against official Australian sources:
Document review
Share the borrower type, refinance goal and document status through Quick Check so a broker can confirm the right next step. General information and intake only. Any lending is subject to lender assessment.
