Current Home Loan Service Levels
Information for Brokers
Credit Assessment - Time to Decision*
Business days from when all docs received in AOL
Note: Company or Trust borrowers are assessed as comprehensive self-employed regardless of income.
* Where a rework is required due to a change to the application conditions or incorrect KYC/VOI requirements have been identified, additional time is required.
Home Lending 2025 End of Year Cut Off Dates
Application deadlines for settlement prior to close of business (COB) Thursday 25 December 2025
Home Lending Applications:
- Lodgement for Purchase, Refinance and Construction Applications (PAYG/Basic self-employed): COB Friday 21 November 2025
- Returning Documentation: Documents must be returned to FMS by COB Wednesday 10 December 2025 with no outstanding items for verification.
Settlement can only proceed when all required documents are executed correctly and returned, conditions are met, and VOI has been accepted. Any outstanding items must be finalised at least 48 hours prior to settlement to avoid delays.
Existing Customer Variations
- Fully Executed Submission: COB Friday 5 December 2025
- Maintenance Variation Request: COB Wednesday 10 December 2025
Progress Funding – Final Invoices
- Returning Documentation: Final invoice requests must be returned by COB Monday 1 December 2025
