01/09/2026
Your income and credit score matter, but your bank statements can also play a big role in a home loan application.
Lenders may review your statements to check income, expenses, debts, BNPL repayments, overdrafts, regular transfers and overall account conduct.
The goal is not to have “perfect” statements.
The goal is to make sure your application is complete, accurate and easy for the lender to verify.
Before applying, review your statements, avoid unnecessary new credit and keep explanations ready for any unusual transactions.
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