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YOUR APPOINTMENT WITH FRF

Your life. Your plans.
Let’s talk it through.

A little preparation. A much clearer conversation. Here’s what to expect, what to have handy and how we’ll get a picture of your finances together.

You don’t need to know all the answers, or have every document ready. Start where you are. We’ll help with the next step.

See your preparation checklist

Start with a conversation.

You do not need every document ready to book. Use the preparation guidance below as it becomes relevant to your appointment.

Choose a time to talk

Step 1What we’ll discuss

Big picture first.
Then the details.

Whether you’re buying, refinancing, investing or figuring out where to start, the first step is understanding what matters to you.

Your goals & timing

The home, move or opportunity you’re planning for. Your priorities, time frame and any changes ahead, from a new job to a growing family.

Your everyday budget

What comes in, what goes out and the repayment you’d feel comfortable with. We’ll look at deposits, savings, existing debts and the buffer you want to keep.

Your loan options

Potential borrowing capacity, loan structure, rates, fees and useful features. We’ll explain the trade-offs, how we’re paid and any costs that apply.

A clear way forward

The information still needed, any questions to resolve and the next steps we agree together. A first appointment is not a loan approval or a commitment to apply.

Step 2Gather your documents

A few essentials.
Less back-and-forth.

For each person applying, have the following available. Tick off what you’ve gathered as you go; this checklist doesn’t send or save anything.

GETTING TO KNOW YOU

Identification

Current driver’s licenceHave the front and back available, with the details clearly readable. Current passportHave the photo and personal details page available.

If you don’t have one of these, let us know. We’ll confirm acceptable alternatives and any extra identity checks the lender needs. If we meet in person, bring the originals; for a video appointment, we’ll explain the secure verification process.

UNDERSTANDING YOUR INCOME

Pay & income

Your last 3 payslipsThe three most recent consecutive payslips from each current employer, showing your name, pay dates and income breakdown. Your latest income statementHave your ATO income statement for the most recently completed financial year available, ideally marked “Tax ready”.

In myGov, open ATO online services, then Employment and Income statements. If it isn’t available or finalised, tell us. Never share your myGov login.

ATO: find your income statement

SEEING THE WHOLE PICTURE

Accounts & commitments

Your account detailsA list of the banks and accounts you use for income, spending, savings, offsets, loans and credit cards. Your regular commitmentsRent or mortgage, other loans, credit card limits, buy now pay later, HELP debt, dependants and ongoing living costs.

Have recent statements handy to check account names, BSBs, account numbers and balances. Include accounts at other banks and relevant joint accounts so we can see the full picture.

Your income doesn’t fit a standard payslip?

That’s a conversation we can have. If you’re self-employed, contracting, receiving rental income or paid through overtime, allowances or multiple jobs, tell us early. We’ll tailor the evidence needed, which may include tax returns, financial statements, BAS or a longer income history.

Have it ready. Share it securely.

Keep documents on hand until we confirm the appropriate secure way to provide them. Don’t upload identification or financial records to a general enquiry form or send them by ordinary email. This page does not collect documents or bank details.

Step 3Frollo & Open Banking

Less guesswork.
A budget that reflects real life.

We use Frollo to help gather and organise bank transaction information for your living-expense review. It gives us a useful starting point for a conversation about how your money moves.

A FROLLO EXPLAINER · 2 MIN 34 SEC

Your bank data.
Your choice.

Before you connect an account, understand what you’re sharing. Frollo explains Open Banking, screen scraping and the choices you have under Australia’s Consumer Data Right (CDR).

YOUR CHOICE TO CONNECT

Watch the Frollo explainer

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Open Banking vs screen scraping: how to share your bank data safely
By Frollo · English auto-generated captions enabledWatch on Vimeo ↗

What does the video cover?

Open Banking and screen scraping: different ways of sharing bank data, and why sharing an internet banking password matters.
Consent and secure data sharing: choosing what to share, who receives it and for how long, including withdrawing consent to stop future sharing.
The Consumer Data Right framework: accreditation and oversight by the Australian Competition and Consumer Commission (ACCC) and the Office of the Australian Information Commissioner (OAIC).

Explore Frollo for Brokers, or read independent guidance from Consumer Data Right advocates at Financial Rights Legal Centre.

This is a general explainer. For the safeguards that apply when information is shared with your broker, see consent, privacy and your account checks below.

A clearer picture

Transaction categories help identify regular spending and commitments, including the costs that are easy to forget when estimating a monthly budget.

Less manual admin

Connecting eligible accounts through Open Banking can reduce the need to download and sort statements. We may still need extra statements or documents.

Your context matters

A transfer between your own accounts isn’t the same as a living expense. We’ll discuss unusual purchases, reimbursements and upcoming changes with you.

Frollo supports verification; it doesn’t replace our review or the lender’s assessment. Categories can need correcting, and transaction history won’t always show cash spending, annual bills or future costs.

What to expect when connecting

Start with the invitation we arrange.
Read who will receive your information, the purpose, the data requested and how long sharing will last. Ask us if anything is unclear.
Choose your bank and authorise sharing.
For a CDR connection, authentication happens with your bank. Follow its prompts and select the eligible accounts you want to share.
Check that the right accounts are included.
Review the selected accounts against your banking app or a current statement. Tell us about anything missing, duplicated or unfamiliar.
We review the picture together.
We’ll discuss the expense breakdown, confirm the context and clarify any gaps before relying on it for the lending assessment.

YOUR INFORMATION, HANDLED WITH CARE

Why use
Open Banking?

Australia’s Consumer Data Right (CDR) is a regulated way to share data with your consent. Open Banking is its banking application. The protections below apply to the CDR connection described in your invitation.

You keep your banking password. You authorise access with your bank. A CDR connection doesn’t require you to give Frollo or your broker your internet banking password.
It’s data sharing, not access to your money. This read-only connection cannot make payments or move funds.
Consent is specific. You choose whether to share, which eligible accounts to include and agree to the data, purpose, recipients and duration shown.
There are rules behind it. CDR accreditation and privacy safeguards place requirements on participating providers, including how they protect and use your information.
You can stop future sharing. Withdraw consent through the relevant provider’s dashboard or stop sharing through your bank. Previously received information may still need to be retained under applicable legal obligations.

These controls make CDR a safer approach to sharing financial data than giving a third party your banking password. They don’t mean every use of a report sits inside the CDR system.

When a report is shared with your broker

If you authorise disclosure to a mortgage broker as a “trusted adviser” who is not CDR-accredited, that copy no longer has the CDR privacy safeguards. Applicable privacy and professional obligations still matter. Read the recipient details in your consent and our Credit Guide & Privacy Statement to understand how your information is handled.

A SMALL CHECK THAT MATTERS

Right bank.
Right account.
Right details.

Before confirming the accounts to share, compare them with your current bank app or statement:

The bank and account holder name match.
The BSB and account number match where displayed. If only the last digits appear, compare those and keep the full statement available.
The accounts include the relevant income, everyday spending and commitments, including those at another bank.
A home loan, offset and transaction account are identified separately. They can have different account numbers.

A Frollo connection isn’t a guarantee that payment details are correct. We may still need a statement to confirm full details. Let us know about mismatches before we proceed.

Step 4Before your appointment

Ready enough
is a good start.

Check the time and location or video link in your appointment confirmation. Have your documents, questions and an idea of your goals nearby. If someone else is applying with you, arrange for them to join where possible.

Missing something, stuck on Frollo or prefer another way to provide information? Let us know. We can discuss available alternatives and what the lender will need.

Call FRF · 0448 010 999

Read our Credit Guide & Privacy Statement

Good questions to bring

What repayment would feel comfortable for us?
What deposit and cash buffer should we plan for?
Which costs and fees should we allow for?
What could change our options or timing?
What happens after this appointment?

No finance vocabulary required.

A little more detail, if you’d like it

Read the official information behind this guide. Your invitation and consent screens explain the specific Frollo service being used.

Prepared 5 October 2026. Document requirements vary with your circumstances and the lender. General lending information only.

RELATED INFORMATION

Questions are welcome before we meet.

Contact the team if you need help preparing or another way to provide information.

Contact the FRF teamChoose a way to ask a question or arrange a conversation.Read the Credit GuideReview the credit assistance and privacy information.

Call FRF Book a conversation