Bridging Home Loans

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 2 years ATO Notice of Assessments

Credit History

• Paid defaults up to $500 may be considered

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.

Credit History

• Paid defaults up to $500 may be considered

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 2 years ATO Notice of Assessments
• Australia, China and Hong Kong income accepted

Other

• Proof of address if it’s not confirmed by Driver Licence
• Brighten Supplementary Residency Form

Credit History

• Paid defaults up to $500 may be considered