Current Home Loan Service Levels
Information for Brokers
Credit Assessment - Time to Decision*
Business days from when all docs received in AOL
PAYG applications
SunLight. View the criteria.
Purchase & pre-approval conversion
Refinance, Add & Equity loan
Construction
Accredited
Within 2 days
5 days
6 days
8 days
Gold
Within 2 days
4 days
5 days
7 days
Self-employed applications
SunLight basic self-employed. View the criteria.
Basic self-employed
Purchase and pre-approval conversion
Income validation requirement: Notice of Assessments.
Basic self-employed
Refinance, Construction, Add & Equity loan
Income validation requirement: Notice of Assessments.
Comprehensive self-employed. All loan types.
Income validation requirement: Full financials.
Accredited
Within 2 days
5 days
8 days
20 days
Gold
Within 2 days
4 days
7 days
20 days
Note: Company or Trust borrowers are assessed as comprehensive self-employed regardless of income.
Post submission
Reassessment*
Pre-approval
Documents generation
Purchase and refinance settlement
Add & equity loan settlement
3 days
2 days
5 days
5 days
5 days
* 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.
