Lender requirements vary, so preparation should reflect your own finances rather than universal employment rules.
Organise evidence
Gather income, expense, liability and savings records and review credit information for errors. Self-employed documentation and trading-history requirements differ between lenders. Six months in a job or two years in business is not an automatic rule for every loan.
Choose sustainable finance
Confirm the authorised credit provider or broker, fees and repayment assumptions. A larger deposit does not remove serviceability assessment, and a past issue does not automatically disqualify every applicant. Pre-approval is conditional. Compare total costs and keep a buffer instead of focusing only on maximum borrowing.
