First and foremost, if you’re on a fixed-rate loan, you’ll incur break costs or exit fees if you refinance your loan with the fixed-rate term.
You can use our break cost calculator to work out if refinancing within the fixed period is worth it.
For PAYG (salaried) applicants:
- Your two most recent payslips.
- Your last three months’ bank statements.
- Tax returns or Group Certificate or ATO Income Statement (obtained from myGov website).
- Letter of employment.
- Your last two years’ financial statements (profit & loss and balance sheet).
- Your last two years’ business tax returns.
- Your last two years’ personal tax returns.
- Your last two years’ notices of assessment.
Speak with one of our specialist mortgage brokers today to discuss your situation.
Give us a call on 1300 889 743 or fill in our online assessment form.