Identification
Driver licence, passport or other accepted ID. Requirements can vary by lender and verification method.
Document checklist
Documents needed to refinance
The exact document list depends on lender policy and loan purpose, but preparing the common evidence early makes a broker conversation faster and less frustrating.
Broker-led review
Use the checklist to prepare, not to self-assess.
A broker or lender will confirm the exact documents. This page gives you the common categories so you can find the basics before a refinance review starts.
Core documents
Income evidence
Recent payslips, employment details, tax evidence or other income documents depending on how you are paid.
Bank statements
Transaction, savings and living-expense statements may be requested to verify conduct and expenses.
Current home loan statements
Recent statements help confirm balance, repayment, interest rate, account conduct and loan details.
Property details
Address, estimated value, rates notice, insurance or strata details may be useful depending on the application.
Debts and credit limits
Credit cards, personal loans, car loans, buy-now-pay-later and other commitments should be listed clearly.
Documents that depend on your situation
Self-employed borrowers
Tax returns, notices of assessment, BAS, financial statements, accountant details or business bank statements may be requested.
Investment properties
Lease details, rental statements, property expenses and investment loan statements may be relevant.
Trusts or companies
Trust deeds, company details, financial statements and director or beneficiary information may be needed.
Debt consolidation
Statements for debts being reviewed, balances, repayment amounts and limits may be needed.
Borrowing more
Renovation quotes, purpose notes, contracts or evidence for the extra funds may be requested.
Fixed-rate loans
Expiry notices and break cost quotes can help compare timing and costs.
Document safety
Sensitive documents should be handled carefully.
Use approved upload paths
Do not send sensitive documents through casual channels if a secure portal or approved upload process is available.
Check the exact list before chasing everything
Different lenders request different evidence, so use this page as a preparation guide only.
Keep advice boundaries clear
Speak with a tax adviser for tax outcomes and a conveyancer or solicitor for legal or settlement questions.
Useful next checks
Use calculators and related pages as preparation only. The figures are estimates and need broker and lender review before you rely on them.
CalculatorRefinance savings calculatorCompare the current loan with a new-rate scenario and see whether switching costs may be recovered.Best forDeciding whether a refinance is worth a broker review before starting lender work.Estimate only. A broker still needs to check lender policy and fit.Open calculator PageCheck refinance costsUnderstand switch costs, break costs, LMI risk and the break-even point before comparing a lower rate.Open PageFixed rate endingReview revert rates, refix options, variable options, split loans and refinance timing before expiry.Open PageAnnual loan reviewUse a yearly check to review rate, repayments, equity, features, documents and upcoming changes.Open
Ready for a refinance review?
Turn the refinance question into a broker review.
Quick Check collects the basic context for emoney. It is not a loan application, approval, credit advice or a loan recommendation.
Refinance FAQ
Questions borrowers ask before changing loans
Do all lenders ask for the same refinance documents?
No. Requirements vary by lender, borrower type, income type, loan purpose, property type and whether extra borrowing is requested.
Do self-employed borrowers need more documents?
Often, yes. A lender may need tax returns, financial statements, BAS, notices of assessment or other business evidence depending on policy.
Should I email payslips and bank statements?
Use the secure document process confirmed by emoney or the lender. Sensitive documents should not be sent casually.
Before changing
Check rate, costs, documents and timing first.
Refinance decisions are easier when the whole loan is reviewed, not only the advertised rate.