*Reassessment

Where a rework is required due to a change to the application conditions or incorrect KYC/VOI requirements have been identified, please allow an additional 3 business days on top of the relevant advertised SLA for this to be completed.

End of Financial Year Cut Off Dates

Home lending application deadlines for settlement before COB Monday 30 June 2025

Home lending applications:

• Lodgement for refinance applications (PAYG/Basic self-employed): Monday 2 June 2025
• Lodgement for purchase applications (PAYG/Basic self-employed): Monday 2 June 2025
• Lodgement for construction applications (PAYG/Basic self-employed): Tuesday 27 May 2025
• Final approval for refinance and purchase applications: Monday 9 June 2025
• Returning documentation: Documents must be returned to FMS by Monday 16 June 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:

• Request submission: Friday 30 May 2025
• Returning documentation: Documents must be returned by Monday 16 June 2025 with no outstanding items for verification. 

Progress payments for construction loans:

• Returning documentation: Final valuation forms and other required documentation must be returned by Wednesday 11 June 2025.