Most borrowers choose the fully automated process to verify their income so they can benefit from a speedy online experience. This is an option for you to provide us read-only access your bank statements for the past 3 months. This is required so we can understand your financial circumstances. This will help us determine how much you can afford to borrow.

Harmoney uses Australasia’s leading bank-grade technology to view your accounts. The process is quick, safe and fully automated.

How does it work?

We automate the retrieval of your bank statements, required for the verification of your income. This means that you won't have to manually upload your bank statements, making it much faster and easier for you to move on and complete the rest of the process.

Is there another option for me?

If you wish to skip this step, you will have to verify your income and identity via another step later. You will be asked to provide a photo of your ID, and have access to a webcam so we can use facial recognition software to authenticate the ID.

To verify your income, you will still need to provide us with 3 months worth of bank statements, which you can upload as a PDF.

Did this answer your question?