Get Loan Ready
Whether you're buying a van, upgrading your tools, or looking to secure a home loan — getting loan ready means understanding how lenders see you, what paperwork you need, and how to present yourself in the best light.
1. Know Your Income
Sparkies often have irregular income. Lenders prefer to see 6–12 months of consistent earnings. BAS statements, tax returns, and business bank statements help prove your income.
2. Get Your Paperwork Together
- ABN details (if self-employed)
- Tax returns (last 2 years if possible)
- Business Activity Statements (BAS)
- Invoices or contracts showing upcoming work
- Bank statements (personal + business)
3. Understand Your Credit Position
Check your credit score for free. Try to reduce credit card debt or personal loans before applying. Brokers can help you improve your application strength.
4. Talk to a Broker Early
The sooner you speak to a broker, the better. We’ll help you structure your application, choose the right lender, and avoid surprises.