Lenders are able to configure whether particular supporting document requirements are mandatory (or not). Where a supporting document is mandatory, generally you will not be able to submit your application; or lenders will not start processing a submitted application, until all mandatory documents are provided.
How to identify Mandatory supporting documents items
Mandatory supporting documents will have a 'Mandatory' bubble visible against the listed requirement:
An individual document may be mandatory. In the following example, the Rates Notice for an existing property is mandatory, whereas the other documents required for an existing property are not mandatory:
A whole document category may be mandatory. In the following example, all documents requested for the PAYG employment of the applicant are mandatory:
Remember that mostly this is used where the Lender will allow some (all mandatory) documents to be submitted to get the assessment ball rolling - and then require all the rest when you have them.
If this is the case, the Lender will generally allow multiple supporting documents re-submissions. To find out more about supporting documents re-submissions, click here.