Brighten Easy Builder^®

Income Documentation – PAYG

• 2 consecutive payslips; AND
• 3 month bank statement showing salary paid by employer

Note: where serviceability is reliant on additional income from employment such as overtime, allowances, bonuses, the most recent PAYG summary / Single Touch Payroll (STP) summary must be provided.

Income Documentation – Self-employed

• The last 2 years Financial Statements, including business/trust and personal Income Tax Returns; AND
• Latest available tax assessment

Identification documents

• Form of identification
• Proof of Address (if Driver Licence is not provided)

Evidence of security

• Copy of Contract of Sale for purchase of land and Fixed Price Building Contract; AND
• Copy of the stamped Council Approved Plans and Builders All Risk Insurance Policy

ABN & GST

• Active ABN for at least 2 years; AND
• GST registration for at least 12 months (if Turnover >$75,000)

Income Documentation

• Borrower Income Declaration; AND

One of the following:

• Brighten Template accountant’s letter; OR
• 6 months BAS; OR
• 3 months business bank statements.

Identification documents

• Form of identification
• Proof of Address (if Driver Licence is not provided)

Evidence of security

• Copy of Contract of Sale for purchase of land and Fixed Price Building Contract; AND
• Copy of the stamped Council Approved Plans and Builders All Risk Insurance Policy