By Jason Given · April 2026 · 5 min read
Standard documents (all applicants)
Every lender requires these as a baseline for any home loan application. Having them ready before your first appointment saves time.
- ✓100 points of identification - typically drivers licence + passport or Medicare card
- ✓Income evidence - 2 most recent payslips for PAYG employees, or 2 years of tax returns + financials for self-employed
- ✓Bank statements - 3 months for all accounts showing savings, income deposits, and expenses
- ✓Existing loan statements - current mortgage, any personal loans, car loans, or credit card statements showing limits
Separation-specific documents
These are specific to separation refinancing and are what differentiate this process from a standard refinance.
- ✓Consent Orders or BFA - the legal document that formalises the property settlement. Some lenders accept a draft or signed BFA before court filing.
- ✓Child support assessment - from Services Australia, showing amounts paid or received. Required if child support is part of your income or expense profile.
- ✓Property valuation - the lender will order their own, but having a recent agent appraisal helps us assess feasibility before applying.
- ✓Solicitor details - your family lawyer's contact information so we can coordinate settlement timing.
Lendology provides a personalised checklist based on your specific situation and the lender we recommend. The list above covers the most common requirements - yours may be shorter or longer depending on your circumstances.