Here’s a quick guide to who can apply and the documents we’ll need to confirm your eligibility.
Am I eligible?
You may be eligible if:
- Your household’s total taxable income does not exceed $210,000 per year.
- The property is located in NSW.
- You own the property — as an owner-occupier or a landlord.
- You are an Australian citizen or permanent resident.
- The property is not social housing and is not used for short-stay accommodation.
- You meet our credit assessment requirements.
- The loan is available across NSW and is subject to Brighte approval.
Documents you'll need
We use your documents for two things: confirming your household income eligibility (must be under $210,000/year) and verifying your income as part of our credit assessment. Find your situation below to see what to have ready.
If you're PAYG / employed
- A recent payslip showing year-to-date earnings, dated within the last 90 days
- ATO Notice of Assessment, or non-lodgement advice if you're not required to lodge a tax return
If you're self-employed
- A recent ATO Notice of Assessment or Tax Return
If you're a pensioner
- A copy of your Pensioner Concession Card
- A recent pension statement, or bank statements dated within the last 90 days
If you're retired
- A recent superannuation statement, dated within the last 90 days
All applications are subject to Brighte’s approval and credit assessment requirements.