How we need your bank statements

You will have been sent a secure link by Up Loans to get your bank statements to us – if you would prefer not to use this then the following is how we will need you to manually gather your documents. 

How we need your bank statements:

It’s really important we get your bank statements in such a way that we can:

a)    Send them on to the bank and know that they’re going to accept them and not slow up your application

and

b)    Fulfill our compliance requirements in confirming they meet the standards around us protecting the lenders against any potential fraud.

So here’s the low down on how we need your bank statements:

1. For any account you send us, we’re going to need an original bank statement. It does not need to be the exact time period we’re asking for. This original statement is typically the one they’ll mail you periodically. It will need to show:

a)    your name

b)    the bank’s details / logo

c)     your account number

d)    a running balance

2. That official statement can be out of the date period we need (last 6 month’s typically) and that’s fine, we can then use screen prints from your online banking or downloaded statements to tie to together. So you can download or screen print from the date the official statement ends (or 6 month’s ago if the statement is older) right through until today’s date. On these we will need:

a)    your account number

b)    a running balance

c)     the bank’s details

Please don’t try and do these off your phone, they very rarely give us the information we need.

Please do not send us a CSV or excell download of your transactions these are not acceptable to a bank.

 

NAB DOCUMENTS

Statements:

  • Sign in to NAB Online Banking.
  • In the left-hand side under the tab Account Info scroll down to Statements.
  • Select the account you would like a statement for.
  • Select most recent statement or put in the date range if you require more than most recent one then click search.
  • Statements should appear by date sent. Click on the one you want and it will automatically download as a PDF.
  • Save this as a copy. You can then email this to your mortgage broker as an attachment.

Transaction histories:

  • Sign in to NAB Online Banking.
  • Click on the account you would like a transaction history for.
  • On the top right hand side click on Show Filter.
  • Select and search for the required date range then click Display.
  • Do not export the transactions! Banks do not accept exported transaction histories.
  • You can then print the page by clicking Print on the top menu bar OR if you are IT savvy then convert the page into a PDF which you can then email to your mortgage broker.
  • If your transaction history is long, then you may need to scroll to the bottom of the page, click next, print the next page and repeat until the entire history has been printed.
WESTPAC DOCUMENTS

Statements:

  • Sign in to Westpac Online Banking.
  • Click on the account you would like a Statement for.
  • In the top menu, click eStatement.
  • Click View, save or print a high quality version of this statement (PDF).
  • The statement should download as a PDF. You can then email this to your mortgage broker.

Transaction histories:

  • Sign in to Westpac Online Banking.
  • Click on the account you would like a Statement for.
  • In the top menu, click Transaction List.
  • Select and search for the required date range.
  • Do not export the transactions! Banks do not accept exported transaction histories.
  • You can then print the page OR if you are IT savvy then convert the page into a PDF which you can then email to your mortgage broker.
  • If your transaction history is long, then you may need to scroll to the bottom of the page, click next, print the next page and repeat until the entire history has been printed.
ANZ DOCUMENTS

Statements:

  • You can only download statements online if you have registered for online statements. If you haven’t registered then please find an old statement you have received in the mail.
  • Login to Internet Banking.
  • In the top menu, click Accounts, then View Online Statements.
  • Follow the prompts to download your most recent statement.

Transaction histories:

  • Login to Internet Banking.
  • Select the account you would like a transaction history for.
  • Click Search Transactions.
  • Make sure the correct account is selected, select the date range, then All Transactions and then click on Search.
  • Do not export the transactions! Banks do not accept exported transaction histories.
  • At the top right hand side of the screen click Print Copy OR if you are IT savvy then convert the page into a PDF which you can then email to your mortgage broker.
  • If your transaction history is long, then you may need to scroll to the bottom of the page, click next, print the next page and repeat until the entire history has been printed.
CBA DOCUMENTS

If your accounts are with CBA you can get all of the required documents from NetBank:Statements:

  • Login to NetBank.
  • In the top menu, click View accounts, then Statements.
  • Select the account you would like a statement for, select the option for the most recent statement and then click Next.
  • Click Not This Time if the bank asks you if you would like to stop receiving paper statements.
  • The statement should download as a PDF. You can then email this to your mortgage broker.

Transaction histories:

  • Login to NetBank.
  • In the top menu, click View accounts, then Transactions.
  • Select the account you would like a transaction history for and then click Go.
  • Click Show Transaction Search, then enter in the date range you would like to view and then click Search.
  • Do not export the transactions! Banks do not accept exported transaction histories.
  • At the top right-hand side of the screen press print page OR if you are IT savvy then convert the page into a PDF which you can then email to your mortgage broker.
  • If your transaction history is long, then you may need to scroll to the bottom of the page, click next, print the next page and repeat until the entire history has been printed.

 

What statements do you need to send us?

  1. If we’re refinancing a home loan we’ll need to see the last 6 months of your home loan statements.
  2. We’ll need to see the last 3 month’s statements for where your savings are if you’re buying a home.
  3. We’ll need to see the last 3 month’s statements for where your salary is deposited if you’re PAYG employed.
  4. If we’re consolidating any debt for you, we’ll need to see the last 6 months statements for the credit card, personal loan etc.