PAYG

• Last 2 payslips
• 3-month banks statement to ascertain salary credits
• Proof of genuine savings is required via 3-month bank statement

Minimum employment criteria

Full-Time – Minimum 6 months. If <6months, must have been in continuous employment in the same industry for 12 months.

Part-Time – Refer to Full Time.

Casual – Minimum 12 months with current employment. Employment verification is emphasized.

Second Job – Minimum 12 months in current employment.

Contract – Refer to Full Time with additional Minimum 3 months remaining on the contract.

Self-Employed

• Minimum 2 trading years in current business.
• Most recent business/company tax return and financials
  – AND –
• 2 most recent BAS (24-month ABN registration required)

Each director, sole trader and partner on the loan must also provide their most recent personal tax return with the most recent Notice of Assessment.