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Start your lending journey — with a clear sequence, not guesswork.

Bishnu Adhikari helps you move from first contact to lender submission with the right documents and narrative.

Speak to a broker Call 0400 77 77 55 Email us Message on WhatsApp

What to have ready (high level)

You do not need everything on day one — but thinking about the list below speeds up your first meaningful conversation.

Identification and contact details for all applicants.
Income evidence (payslips, tax returns, business financials, or BAS — depending on your structure).
Overview of assets, debts, and monthly living expenses.
If purchasing or refinancing: property address or shortlist, and approximate price or loan balance.
Any lender letters or pre-assessment outcomes you already have.

What happens next

Quick alignment call or reply — we confirm your objective, timing, and any constraints (self-employed structure, investment portfolio, etc.).
Targeted checklist — you receive a document list matched to your scenario and chosen lenders, not a generic pack.
Application & tracking — submission, assessment questions, and updates through to approval and settlement. A structured digital application or CRM workflow can plug in here when you are ready for that step.

Prefer to talk before writing? Send an enquiry or call 0400 77 77 55.

Application pathway (overview)

The steps below mirror how files typically progress. Your actual lender portal or aggregator steps will slot into the same flow later without changing how we communicate with you.

Application pathway

Select a stage — details update below.

Contact & scenario

We confirm objectives, capacity, and urgency.

ID for all applicants and current address details.
Income evidence (payslips or self-employed financials/BAS as relevant).
Current debts, card limits, and rough monthly expenses.
Property details or refinance loan balance if already known.

Start by calling 0400 77 77 55 or email bishnu@azurehomeloans.com.au — we will send a tailored checklist based on your scenario. If you prefer writing first, use the secure enquiry form.

Application FAQs

Documents, sequencing, timing and credit enquiries — practical context before you lodge a full application.

Do I have to complete a full online application on day one?

No. Many clients start with a short call or written enquiry so goals and documents can be sequenced before a full digital application through a lender or aggregator platform.

What documents are usually needed for a home loan?

Typical inputs include identification, income evidence such as payslips or tax returns, an overview of assets and debts, living expenses, and property details if you have a purchase or refinance in mind. The exact list depends on your employment type and lender policy.

How long does assessment take after submission?

Timelines vary by lender, file complexity and market volume. Simple PAYG purchases can move faster; self-employed, trust or portfolio files often need more back-and-forth. Your broker should set expectations when the file goes in.

Can I apply if I am self-employed?

Yes, subject to lender policy. Lenders usually want a consistent trail of tax returns, business financials or BAS, and may apply add-backs or haircuts to declared income.

Will applying with multiple lenders hurt my credit score?

Credit enquiries leave a footprint. A broker typically sequences or structures applications so you are not shopping randomly across many lenders at once without a plan.

How do I spot fake brokers, cloned sites, or “too-good” unsolicited loan offers?

Verify the licensee and credit representative on ASIC Connect at connect.asic.gov.au. Never transfer money based on unsolicited “pre-approval” messages; use enquiry channels published on this website. For common red flags, see /blog/home-loan-enquiry-scams-how-to-spot-fake-offers-2026.

Quick enquiry

Same secure form as our contact page — submissions are emailed directly to bishnu@azurehomeloans.com.au from the website. Use it if you prefer writing to calling first.

Unsure if you are “ready to apply” yet?

Take the two-minute readiness quiz first — or request a short call and we will tell you what is missing and what can wait.

Enquire now Take the readiness quiz WhatsApp message

Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.