Overdrafts application documents

You can show proof of income with one of the following documents:

• Three most recent payslips showing year-to date (YTD) income.
• Your payslip showing three or more months worth of YTD figures.

Your payslips should be no older than 60 days from the date you apply, with at least one payslip or document showing income received within the past 30 days. Payslips must not be handwritten.

If your payslip does not display the YTD income figure, you will need to supply:

• Three recent bank statements showing your salary credited to a non-ANZ Financial Institution, with your most recent credit made within 30 days of your application.

If you are recently employed you will need to supply:

• A newly signed employment contract where start date is within 30 days of application.

Your most recent personal tax return and corresponding ATO Notice of Assessment (less than 18 months old, e.g. a tax return from June 2018 can only be used until December 2019).

Pensioners and government benefits

You can show proof of income with one of the following documents:

• A letter or statement from Centrelink dated within the last 30 days confirming entitlements and incomes.
• Your most recent bank statement showing consistent and clearly labelled government income credits over a consecutive 3 month period, with your most recent credit made within 30 days of your application.

Retirees

You can show proof of income with one of the following documents:

• A copy of your Annual Investment Statement.
• Your most recent bank statement showing the investment income credits over the previous 3 month period, with your most recent credit made within 30 days of your application.

Rental Income

You can show proof of income with one of the following documents:

• A copy of the signed existing lease to confirm income (private lease agreements are not acceptable).
• Evidence of rental income verified via a Rental Statement, dated within 30 days of your application.
• Your most recent bank statement/s showing three months of continuous rental credits.
• Your personal Tax Return no older than 18 months.

Interest and Dividends documentation

• A copy of Deposit Certificate, account summary or Shareholders Statement.

This temporary/provisional visa category is eligible, provided the visa has at least 9 months remaining and your selected loan term does not exceed the remaining term on your visa.

This includes all temporary visa subclasses that allow an individual to work in Australia (Working Holiday visas are not acceptable).

To confirm your visa eligibility and status, we may ask you to supply:

• A current copy of your employment contract (if applicable)
• A copy of the photo page of your passport
• A copy of the Australian visa page OR confirmation of your electronic visa from the Department of Home Affairs
• Proof of minimum AUD50,000 income per annum (Australian income only)

This temporary/provisional visa category is eligible, provided the visa has at least 9 months remaining and your selected loan term does not exceed the remaining term on your visa.

This includes all temporary/provisional business visa subclasses that allow business people to establish or manage a new or existing business or invest in Australia.

To confirm your visa eligibility and status, we may ask you to supply:

• A current copy of your employment contract (if applicable)
• A copy of the photo page of your passport
• A copy of the Australian visa page OR confirmation of your electronic visa from the Department of Home Affairs
• Proof of minimum AUD50,000 income per annum (Australian income only)