Most lenders require documents to be current and up to date. In general, payslips should be within the last 30 days, bank statements are usually required for the most recent 3 months, and tax returns or notices of assessment should be for the latest available financial year. Specific requirements can vary by lender and your circumstances, and we’ll let you know exactly what’s needed for your application.

Yes. Most lenders accept digital copies of documents such as PDFs or clear photos. Finhomes uses secure online systems that allow you to upload your documents easily, helping to speed up the assessment process. We’ll advise you if any originals or certified copies are required by a specific lender.

If you’re missing any documents, don’t worry. Let us know what you have available, and we’ll guide you on alternative options or help you obtain the required information. In many cases, lenders can accept substitute documents depending on your situation, and we’ll work with you to keep the application moving.