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.

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