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
4 days
5 days
8 days
Gold
Within 2 days
3 days
4 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
4 days
5 days
20 days
Gold
Within 2 days
3 days
4 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
Construction / Progress Funding: Welcome Kits
Construction / Progress Funding: Invoice Payments
3 days
2 days
5 days
5 days
5 days
10 days
7 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.
End of financial year application deadlines
Application deadlines for settlement before close of business Tuesday 30 June 2026
Home lending applications
- Lodgement for refinance, purchase and construction applications (PAYG/Basic self-employed): Friday 5 June 2026
- Returning documentation: Documents must be returned to First Title by Wednesday 24 June 2026 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
- Request submission: Friday 5 June 2026
- Returning documentation: Documents must be returned by Wednesday 24 June 2026 with no outstanding items for verification.
Progress payments for construction loans
If final builder invoice to be paid prior to Tuesday 30 June, 2026:
- Final valuation forms and other required documentation must be returned by Monday 15 June 2026.
