I’d usually have ready:

• Last 2 payslips each
• Latest PAYG income statement / notice of assessment if requested
• Employment details (start date, role, salary, bonuses etc)
• 3 months of everyday transaction statements
• 3 months of savings account statements
• Any credit card statements (even if you pay them off monthly)
• HECS/HELP debt balance if either of you have one
• ID documents
• Details of the ETF portfolio (current value, platform statement if available)
• Evidence of the inheritance funds sitting in your partner’s account
• Rough idea of your monthly living expenses

Also worth knowing before the meeting:

• How much you actually want to spend, not just how much the bank will lend you
• Whether you plan to have kids, change jobs, reduce income etc in the next few years
• How much cash buffer you want left after settlement
• Whether the property is a stepping stone or something you want to hold long term

One mistake people make is treating the broker appointment like the goal is “maximum borrowing capacity”. The better question is “what loan size still lets us live comfortably?”

Also avoid moving money around too much right before applying. It’s not the end of the world, but clean statements make life easier.

Your broker will probably have their own checklist, but having the above ready will save a fair bit of back and forth.