Income. Expenses. Liabilities. Reviewed together.

What BrokerDash looks at

Payslips, year-to-date figures and the credits coming into the client's bank statements.

Why it matters

Income is where an assessor starts. When the payslips, the year-to-date figures and the deposits don't tell the same story, the lender will ask. Finding it first means the question is answered before submission instead of in a deferral.

What you see (sample findings)

• Unexplained YTD variance

  Recurring credits observed across bank statement deposits.

• Additional income identified from bank deposits

  Recurring contractor credits observed across the review period.

Sample data. Every finding is for your review; you decide what to ask and what to submit.

What BrokerDash looks at

Packaging deductions on the payslip and the matching reimbursements in the bank statements, with Australian payroll and super context.

Why it matters

Packaging changes how a payslip reads. Matching the deduction to the reimbursement shows where the money goes and stops it being mistaken for unexplained income or spending.

What you see (sample findings)

• Salary packaging reimbursement matched

  $325.00 per month matched between payslip and bank credits.

Sample data. Every finding is for your review; you decide what to ask and what to submit.

What BrokerDash looks at

Spending observed in the bank and card statements, compared with the client's declared living expenses.

Why it matters

A declaration well below what the statements show is one of the most common reasons a file comes back. Seeing the gap early lets you have the conversation with your client before the lender does.

What you see (sample findings)

• Observed expenses differ from declared living expenses

  Declared expenses appear $1,230 lower than observed spending.

Sample data. Every finding is for your review; you decide what to ask and what to submit.

What BrokerDash looks at

Repayments and other commitments visible in transaction history.

Why it matters

A repayment in the statements with no matching liability on the application is something an assessor will find. Better that you find it first.

What you see (sample findings)

• Personal loan repayment observed in statements

  Repayment of $320/month identified in bank statement activity.

Sample data. Every finding is for your review; you decide what to ask and what to submit.

What BrokerDash looks at

The dates on each supporting document.

Why it matters

An out-of-date payslip or statement is an easy deferral to avoid. Lender requirements vary, so BrokerDash flags it for you to check against the lender you are using.

What you see (sample findings)

• Supporting document may be older than lender requirements allow.

  A more recent document may be required.

Sample data. Every finding is for your review; you decide what to ask and what to submit.