Talk with one of our loan specialists. They will review your application and help you choose the most appropriate loan for your needs.

What you do:​

• Be prepared with your financial information such as income and expenses

• Tell us your key financial goals

What we do:

• Verify the information you provided

• Tailor a loan product to achieve your goals

• Provide access to our onTrack application portal

Once you have applied, you will need to supply some supporting documents. You can do this using onTrack.

You will need:

• Evidence that you have your deposit

• A contract of sale for the land (or proof that you own it)

• A fixed price building contract from a registered builder

Contract of sale

Building contract from a registered builder

 

What you do:​

• Log in to onTrack

• Start uploading supporting documents to your application checklist

What we do:

• Verify the information you provide

• Contact you to assist with the application process.

We will arrange for a property valuation to be done on the home you are building.

What you do:​

• Nominate a time for the valuer to come

• Attend the valuation or arrange for a contact to attend

What we do:

• Order the valuation

• Review the valuation

If the valuation falls within the expected range, and our credit assessment is positive, we will approve your loan.

What you do:

• Check onTrack for application status

What we do:

• Notify you of your success

At this Stage you will receive through onTrack:

• Final Approval of your loan

• Your Mortgage documents and Loan Agreement pack

What you do:​

• Complete your loan documents and return to us

What we do:

• Call you to make sure you have received the documents and everything is in order

We will contact your conveyancer or solicitor to arrange settlement of the purchase.

What you do:​

• Arrange necessary deposits to be transferred to your conveyancer

• Notify your conveyancer that we will be your lender for settlement

• Arrange conveyancer to contact us to book in settlement

What we do:

• If further legal documents are required for settlement we will contact your conveyancer

We will use a portion of the approved loan amount to complete your purchase of the land.

What you do:​

• Arrange for you portion of the purchase price to be paid by your conveyancer

What we do:

• Pay our contribution towards the land from your loan funds

What you do:​

• Sign the invoice from your builder

• Send it to us

What we do:

• Order an inspection

• Pay the invoice if the stage has been satisfactorily completed

Once the home has reached practical completion we will make the final payment to the builder. You can then collect your keys and move in.

What you do:​

• Send us the final invoice

• Insure the house

• Provide us with a copy of the occupancy permit

• Collect your keys

What we do:

• Make the final payment