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Welcome to the start of your Journey!

Perth Mortgage broker

Thankyou for choosing Your Future Set! 

Table of Contents

This is an important step in your journey, and we are here to guide you through every part of the process.

While we trust what you’ve told us, we do need to verify your documents to make sure everything’s complete and accurate before presenting it to the bank. This helps keep things running smoothly and gets you one step closer to approval.

We’ve put together this handy couple of pages to make the process easier for you. If you have any questions at all, don’t hesitate to reach out. Mike’s here to support and explain everything along the way – just drop a message at
[email protected].

Feel free to head over to the scroll through where you’ll find a simple list of guidelines to follow.

Thankyou for choosing Your Future Set

All the best you’ve got this!

Mike Mackenzie

Documents required

It’s really important that we have all your key documents right from the start. These documents give us a clear snapshot of your financial health, which is crucial for figuring out how much you can borrow and finding the best loan options for you.

Even the less critical documents can come in handy, as they might contain details that help us secure better terms for your loan, or simply speed up the whole process. We encourage you to fill out and provide as much information as you can. This will not only speed things up but also help us tailor the perfect financing solution for you.

Gathering everything might seem like a bit of a hassle, but it’s worth it to make your financing journey as smooth and fast as possible.

Why do I need to provide the critical documents?

Why do I need to provide the critical documents?

At Your Future Set, we need these critical documents to perform a preliminary serviceability calculation. This helps us determine if moving forward with the full document collection will be beneficial for you.

Why do I need to provide the non-critical documents?

The critical documents allow us to assess your eligibility, but the non-critical documents are essential for a thorough verification process. They help us ensure your situation aligns with the lender’s policies and allow us to confirm to the bank that we’re working in your best interest.

At Your Future Set, we adhere to a “Best Interest Duty” (BID), meaning we carefully review a range of over 40 lenders to find the best possible solution for you—something banks don’t do, as they can only offer their own products.

Critical Documents required for all applicants
Latest 2 Payslips
Drivers license Front and back (pdf)
Non-Critical Documents required for all applicants
Passport
Medicare Card
Vevo
Latest Notice of Assessment From ATO
Most recent Tax Return from ATO
Latest Income Statement
This Years Financial Details
Last 6 months of Bank statements of each account
Last 6 months of Credit card statements
Details of any personal Loans
Last Years Child Support Statement
Latest Rental Income Statement
Latest Centrelink income Statement
Hecs/ Help Statement
Details of any existing mortgages
Latest Superannuation Statement

For more assistance gathering documents

See the following pages. 

Guidelines on how to Navigate your NAB account

Steps to turn on online account statements

Use the NAB app on your preferred device or NAB Internet Banking through a web browser to activate online bank account statements. Once you’re set-up for online account statements, you’ll no longer receive paper statements in the post.

Instructions for web browsers
  1. Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.
  2. Select Profile & Settings in the top menu.
  3. Choose ‘Statements settings’ in the drop-down menu.
  4. Select the account you wish to get online statements for, choose Online Only for that account and confirm your preference.
  5. Check the email address is correct. If correct, select Update.
  6. You’re now receiving online statements by email.
    If you have joint accounts, the other account holder needs to repeat these steps.
Instructions for all mobile devices
  1. Log into the NAB app on your device.
  2. If using iOS, tap More. If using Android, tap the Menu icon.
  3. Tap Settings.
  4. Tap Statements.
  5. Check the email address you’ve given us is correct.
  6. Tap the accounts you want online statements for or choose Select all.
    Tap Update.
  7. If you have joint accounts, the other account holder needs to repeat these steps too.
  8. You’re now setup to receive online statements by email.

Steps to download account statements

Use the NAB app on your preferred device or NAB Internet Banking through a web browser to download bank account statements when you need them. You can access up to seven years’ worth of bank statements in NAB Internet Banking and up to two years’ worth in the NAB app.

Instructions for web browsers
  1. Step 1 – Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.
  2. Select Accounts in the menu and choose ‘Account statements’ in the drop-down menu.
  3. Choose the Account drop-down list that you want a statement for.
  4. Select a time period from the Date range drop-down or enter a custom range. Select Search.
  5. You can select up to 12 statements. Select Download.
  6. Statements will appear in your browser’s downloads folder. View individual statements by selecting the date.
  7. To access a statement for a closed account, select Accounts and choose Account Statements and then Closed Account.
Instructions for web browsers
  1. Log into the NAB app on your device.
  2. Tap the account you need a statement for.
  3. Tap Statements.
  4. Your statements will appear in order of closing date. Tap the statement date you need.
  5. A security message will appear. Tap Ok to continue.
  6. Tap Share to share or download your statement.

Steps to download proof of balance statements

Use the NAB app on your preferred device or NAB Internet Banking through a web browser to download proof of balance statements.

Instructions for web browsers
  1. Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.
  2. Look for Proof of Balance on the side panel and select Download.
  3. Your balance statement will be generated and saved to your computer – typically in the downloads folder.
  4. Double-click the file to view your Proof of Balance statement.
  5. You can save or print the Proof of Balance statement using the icons in the top right corner of the screen.
Instructions for all mobile devices
  1. Log into the NAB app on your device.
  2. If using iOS, tap More. If using Android, tap the Menu icon.
  3. Tap Reports.
  4. Tap Proof of balance.
  5. Read the information and tap Create report.
  6. Your proof of balance statement will appear.
  7. If using iOS, tap Share to export the document. If using Android, tap the three dots to export the document.

Steps to download interest statements

Use the NAB app on your preferred device or NAB Internet Banking through a web browser to download interest statements.

Instructions for web browsers
  1. Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.
  2. Select Accounts in the top menu.
  3. Choose ‘interest statements’ from the drop-down menu.
  4. Select the financial year you want an interest statement for.
  5. You’ll see a list of accounts, with relevant interest and tax details.
  6. Select Create CSV report or create PDF report to export information in your preferred format.
Instructions for all mobile devices
  1. Log into the NAB app on your device.
  2. If using iOS, tap More. If using Android, tap the Menu icon.
  3. Tap Reports.
  4. Tap Interest statement.
  5. Tap the financial year you’d like an interest statement for. Tap Create report.
  6. You can now view your interest statement for that financial year.
  7. If using iOS, tap Share to export the document. If using Android, tap the three dots to export the document.

Steps to download your recent transactions

Use the NAB app on your preferred device or NAB Internet Banking through a web browser to download a PDF for your recent transactions.

Instructions for web browsers
  1. Log into NAB Internet Banking with your 8 to 10-digit NAB ID and password.
  2. Select the account you need a recent transaction statement for.
  3. Select the box below Date range and choose the time period from the drop-down menu. Select Update transactions.
  4. After the page refreshes, select Export and select preferred file type.
  5. Your recent transaction statement will download to your computer or device.
Instructions for all mobile devices
  1. Log into the NAB app on your device.
  2. Tap the account you need a statement for.
  3. Tap Statements.
  4. Tap Download your recent transactions.
  5. Tap Date range and select a date from the list.
  6. Tap Generate your PDF.
  7. A PDF of your recent transactions will display.
  8. If using iOS, tap Share to export the document. If using Android, tap the three dots to export the document.
A NAB bank statement required by the best Mortgage broker in Perth

How to check online statements in CBA

Here’s how to look back at current and older online statements in the CommBank app and NetBank. Then check, save and print them too.

CommBank app
  1. Log on to the CommBank app, then tap ‘Accounts’
  2. Choose an account
  3. Tap ‘Manage’
  4. Tap ‘View statement’, then choose statement date
  5. Tap ‘Share’
    You’ll have the option to email or print your statement
  6. Save a copy in a PDF format
  7. Open your email, attach the document and send it to [email protected]
  8. Log off when finished
NetBank
  1. Log on to NetBank
  2. Choose ‘View accounts’, then ‘Statements’
  3. Select the account you want to view statements for
  4. Your latest statements will be displayed. You can also create a transaction summary for a specific date range.
  5. For a single statement, select the statement you want and click ‘Download’
  6. For multiple statements, select all the statements you want and click ‘Download’
  7. Save a copy in a PDF format
  8. Open your email, attach the document and send it to [email protected]
  9. Log off when finished
A CBA bank statement required by the best Mortgage broker in Perth

Your guide to Bankwest eStatements

In online banking:

1. Click ‘Accounts’ > ‘Statements’​
2. Click ‘Statement settings’
3. Choose the online option for the accounts you want to switch​
4. Click ‘Next’ and confirm.

In the app:

1. ​Go to the ‘More’ screen, found on the bottom menu​
2. Tap ‘Statements’ > ‘Settings’
3. Choose the ‘Online’ option​
4. Tap ‘Next’ and confirm.

You'll need to be registered for eStatements to generate a proof of balance or transaction summary.

Once you are, you can:

  1. Log in to the Bankwest App and tap ‘More’ on the bottom menu
  2. Tap ‘Statements’
  3. Choose the account you want to generate the statement for
  4. Under ‘Custom statements’, choose ‘Create transaction summary’ or ‘Download proof of balance’
  5. For transaction summaries, choose a summary date or enter a custom range
  6. Download and Save a copy in a PDF format
  7. Open your email, attach the document and send it to [email protected]

 

A CBA bank statement required by the best Mortgage broker in Perth

Viewing my ING statements online

Online Banking
  1. Login to Online Banking by clicking the link below and use your client number (found on the back of your Orange Everyday card, a recent statement or in the ING App) and access code
    Online Banking
  2. From the navigation menu, select Statements > View statements
  3. Select account and select period from the dropdown menu
  4. Click Find and the statement period will be available to download your electronic statement as a PDF file
  5. Client on the downloaded PDF and it should open in your PDF app or web browser. If you can’t see your statement, it may have opened in a separate window.
  6. Download and Save a copy in a PDF format
  7. Open your email, attach the document and send it to [email protected]
ING Bank App
  1. Login to your ING App
  2. Select the account you wish to view the statement for
  3. Tap MANAGE > Statements
  4. Select period you wish to view your statement for
  5. Download your electronic statement on a PDF file and save.
  6. Open your email, attach the document and send it to [email protected]
A ING bank statement required by the best Mortgage broker in Perth

How to download your Macquarie statements

To download a statement from the Macquarie Mobile Banking app:
  1. Select an account from the account list
  2. Select I want to and tap View account statements in the menu drop-down
  3. Select the statement to download
  4. Once the file has finished downloading, you can view the statement.
To download a statement from Macquarie Online Banking:
  1. Hover over your account in the account list
  2. Select I want to and click View account statements and reports in the menu drop-down
  3. Select the statement to download
  4. Once the file has finished downloading, access the statement from your browser status bar.
A Macquarie bank statement required by the best Mortgage broker in Perth

Guidelines on how to Navigate your ANZ account

View your ANZ statements

How to view your statements in Internet Banking

To view your statements, follow the steps below:

  1. Log in to Internet Banking by clicking the link below:
    ANZ Internet Banking
  2. From the homepage, select the account you’d like to view a statement for
  3. Click the View Statements link on the left menu
  4. Your statements will be listed in the Statement Issue Date section of the page
  5. You can also filter the statements according to statement issue date. To do this, select Filter by statement issue date
  6. View a statement by selecting the date or the download icon. Your statement will be displayed in a new window or tab.
  7. Save a copy in a PDF format
  8. Open your email, attach the document and send it to [email protected]

Online statements are arranged in date order, starting with your most recently issued statement at the top of the list. Whenever a new online statement is ready to view, it is flagged as new.

How to view your statements in the ANZ App
  1. Open the app and log in
  2. Tap on More, then View statements
  3. Choose the account you’d like to see the statement for current accounts, as well as closed accounts
  4. Choose your latest statement, or find a previous statement by year. Tap on it to open and see the details.
  5. Save a copy in a PDF format
  6. Open your email, attach the document and send it to [email protected]

View your ANZ credit card statements

You can view your credit card transactions, closing balance, payment due date and the minimum payment amount by viewing your latest credit card statement in the ANZ App or Internet Banking.

How to view your statement in Internet Banking
  1. Log in to Internet Banking by clicking the link below:
    ANZ Internet Banking
  2. Select your credit card account
  3. Select the Statements tab, the current incomplete statement period, followed by view. The transactions displayed will include any transactions processed after your last card statement was issued
  4. To view previous statements, select the statement cycle you wish to view, using the Date range drop down and then view.
How to view your statements in the ANZ App
  1. Open the app and log in
  2. Tap on your credit card account
  3. Your latest Transactions should be visible. Tap Statements to see your latest statement and previous statements
  4.  To make a quick payment tap Payment options.

Saving and sending your statements

How to save your statements in Internet Banking

You can save PDFs of your online statements to your computer or print copies of them.

Depending on the version of Adobe Reader you have, you can either:

  1. Select the Save or Download icon (you may need to move your mouse to above the statement header to see these options)

OR…

  1. Select File and then Save as
  2. Remember to give the file a name before selecting Save. Please follow the format below:
    ANZ Banking Statement – Last Name, First Name – Date processed
  3. Save a copy in a PDF format
  4. Open your email, attach the document and send it to [email protected]

Use the NAB app on your preferred device or NAB Internet Banking through a web browser to download a PDF for your recent transactions.

How to send or save a statement in the ANZ App
  1. Open the app and log in
  2. Tap on More, then View Statements
  3. Choose the account you’d like to see the statement for current accounts, as well as closed accounts 
  4. Select your latest statement, or find a previous statement by year. Tap on it to open and see the details.
  5. Tap on the share icon in the top right corner and then choose what you’d like to do with your statement.
  6. Save a copy in a PDF format
  7. Open your email, attach the document and send it to [email protected]
A ANZ bank statement required by the best Mortgage broker in Perth

Guidelines on how to Navigate your Westpac account

How to switch to eStatements

Sign into your Westpac App or Online Banking and follow these steps.

In the Westpac App
  1. Search eStatements in the Smart Search bar
  2. Tap Switch to eStatements and select the account
  3. Tap eStatements then Update
In Online Banking
  1. Select Service on the menu bar
  2. Under Your preferences select Statement settings
  3. Under Statements select an Account
  4. Select eStatements and Save

Can I save my eStatements?

Sign into your Westpac App or Online Banking and follow these steps.

In the Westpac App
  1. Search Statements in the Smart Search bar
  2. Tap Statements (incl. closed accounts)
  3. Select the Account in Active accounts
  4. Tap the Statement date period you want to view
  5. Tap the share icon to download or send a copy
In Online Banking
  1. Go to Overview and then Statements
  2. Select an Account under Active accounts
  3. Enter date range or select a preset range, and select Search
  4. Select Download PDF to view the statement

For more assistance gathering documents

See the following pages.