Conditional approval in minutes, from your portal
Set up your own form once, share it as a link or put it on your website, and your client goes from Check if you Qualify to a signed conditional approval without waiting on anyone.
- InstantQualify check, on screen
- 4 stepsLoan, business, property, applicant
- All costsSet out in the conditional approval
- 3 documentsPhoto ID, rates notice, mortgage statement
Set up your conditional approval form
You do this once. After that the link and the website form work for every client, and both carry your partner reference, so the deals that come through them are linked to you.
Log in to your partner portal
Go to app.homesec.com.au and sign in with your partner email and password.
Open Form
In the menu, choose Form. This is where you generate your own form to send to a client or put on your website.
Choose the conditional approval form
Click the drop-down that shows V1 under Select Form and choose the conditional approval form from the list.
Set your brokerage and colour
Enter your Broker Fee (%) and pick a Color to match your website. The preview on the right updates as you go.
Copy your Direct Link or Iframe Code
The Direct Link is a web address you can text or email to a client. The Iframe Code embeds the same form on your website, so clients can check what they qualify for on the spot.
The video shows the 2024 portal menu. In the current portal your application link, referral link and website embed code are under Links; the portal walkthrough shows where everything is now.
What your client does
The client sees the form in the colour you chose. It asks for the facts a lender needs and nothing else, in the order a business owner can answer them.
Check if you qualify
Your client (or you, with them on the phone) enters six things and clicks Check if you Qualify! The answer shows straight away as the amount they could qualify for, in the hand.
- Loan Amount Required
- Property Value
- 1st Mortgage Debt (enter 0 if none)
- Property Type: Residential, Vacant Land or Commercial
- Property Post Code
- How many months do you want to capitalise the interest? (1 to 6)
Loan Details
If they are happy with the outcome, Apply Now! opens four short steps. The first is the loan.
- Loan Amount and Loan Term
- Purpose of Loan
- Exit Strategy
- What are the funds being used for
Business Details
Business Lookup finds the business by name or ABN and fills the ABN in.
- Business Industry
- Time Trading
- Owner/Director's Phone
- Business Address
Property Details
The security property, and who owns it. Add Another Property if more than one is offered.
- Property Value and Property Type
- Property Debt
- Property Owner Type: Individual, Company or Trust
- Property Owner(s) and Property Address
Applicant Details
Each applicant, with Add Another Applicant for directors or co-owners. Tick the Privacy Statement and Privacy Consent, then Submit.
- First name and Last name
- Mobile Number and Email
- Date of Birth
- Address
What a conditional approval includes
Every detail of the loan
- The loan amount, and the amount in the hand.
- The term the client chose, and that they can repay early or extend without a fee.
- How interest is paid, including the months capitalised (up to 6 months with no repayments).
- The security, and the borrower and guarantors.
Every cost, and the conditions
- Every fee and cost in one place, including your brokerage. No valuation fee.
- The conditions to be met before settlement.
- The documents still needed: usually photo ID, the rates notice and the latest mortgage statement.
- What happens next, and how long each step usually takes.
The point is that your client can see the whole deal before committing to anything. If the numbers do not suit them, they do not proceed and nothing is owed.
What happens after your client signs
The conditional approval appears
On screen straight after Submit, and the link is emailed to your client. It sets out the loan amount, the term, every cost and the conditions.
Your client pays the assessment fee
On the same screen. It is payable only once the client has a conditional approval in front of them, and it is shown there before they pay.
The offer goes out to sign
The system sends an e-signature link, and your client signs the conditional approval digitally.
Documents in
Usually just three: photo ID for each applicant, the rates notice for the security property and the latest mortgage statement.
Due diligence
A Lending Manager confirms title, identity, the existing lender's position and the exit. Conditions are worked through with you, not handed back as a list.
Loan agreements
Loan contracts are issued and your client signs them in the presence of their lawyer.
Funds in your account
Funds in your client's account in as little as 24 hours from a clean, complete scenario, and your brokerage paid the same day.
Funding times are from a clean, complete scenario. All loans are subject to assessment and approval.
Three ways to use it
On the phone with the client
Open your Direct Link while you talk, enter the figures together and have a conditional approval in their inbox before you hang up.
Sent by text or email
For a client who wants to do it tonight. They check what they qualify for and apply, and the application carries your partner reference.
On your website
Paste the Iframe Code into a business-finance page. Visitors check what they qualify for there and then, and the form carries your partner reference.
Before you send it
- Know the exit. The form asks for an Exit Strategy. A refinance, a sale or a receivable with a date makes the approval stronger.
- Get the debt right. The 1st Mortgage Debt and Property Debt drive the amount in the hand. A guess that is too low comes back to bite at due diligence.
- Everyone on title applies. Add each owner as an applicant, so nobody is a surprise on signing day.
- Not sure it fits? Send the Simple Seven first and a Lending Manager will tell you, usually within 30 minutes in business hours.
Questions about conditional approvals
What is the conditional approval generator?
How long does it take?
What does a conditional approval include?
Is a conditional approval a final approval?
What documents will my client need?
Will my client see my brokerage?
Can I put the form on my own website?
Who do I call if something does not look right?
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Reviewed by Jason Brockmuller, Joint Chief Executive