What your bank statements should explain before a bond application
A statement is not merely proof of an account. It shows whether declared income and recurring commitments form a coherent monthly picture.
Application notes
Guides for the application file
Notes for buyers who want to understand the records, assumptions and household choices behind an affordability assessment.
The home costs that sit beyond the bond instalment
Rates, levies, insurance and upkeep can narrow a comfortable-looking monthly margin once possession begins.
Joint applications: one purchase, two financial histories
Combining incomes can widen a purchase range, but each applicant’s debts, support duties and spending remain part of the assessment.