An employment letter is a document provided by your employer that confirms your current employment status and income. Some lenders may require an employment letter, while many only require you to provide proof of your income in the form of recent payslips or tax returns. Some lenders will require you to provide both a letter of employment and recent payslips.
Write your own employment letter for yourself (or to give to your company's HR manager to complete) using our letter template. You can download it as a PDF or a Google Doc (just open it then go to File and select "Make a copy" so you can edit it yourself).
PDF document (.pdf)
Copy the below letter to use for your home loan or download it using the buttons above.
05/01/2023
ABN: 1000 XXXX XXXX
100 Example St, Sydney 2000 NSW
Re: Laura Annette Baxley
To whom it may concern,
I am writing this letter to verify that Laura A. Baxley is currently employed with XYZ Pty Ltd as a Digital Marketing Manager. She has been employed with us for three years and two months, and she is on a two-year full-time fixed contract.
Laura is a hard-working, reliable and honest employee.
Her gross salary is $85,000 and her net salary is $72,480. Laura A. Baxley’s position is in high demand.
Should you have any questions, please do not hesitate to contact me on 0461 XXX XXX.
Kind regards,
(SIGN)
Justin Hamilton
Human resources manager
XYZ Pty Ltd
When you apply for a mortgage, the lender needs to ensure that you can make repayments and are unlikely to default on the loan. To do that the lender will require evidence of your employment status and income.
Most Australian lenders have unique requirements for employment letters, so ensure that you consider the following:
This will vary depending on the lender’s individual policies and eligibility requirements, but most lenders will accept a faxed copy of the employment letter.
Your lender may also accept a digital copy as a PDF.
Most lenders require the employment letter to be no older than 60 days from the date of receipt.
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