A home loan with fixed, variable and Line of Credit options

We use digital processes and data to assess our online home loan applications. This includes verifying your identity, and assessing your income, expenses, and liabilities. As part of your home loan application, you will be required to log into your internet banking where we will access your financial transaction data safely and securely.

In most cases, the financial data we obtain via your internet banking is enough. There is no need to provide any documentation (other than proof of identity by taking some photos on your smart phone), making it a quick and easy experience where you can be approved in minutes.

For the few applications where we may have questions, the Customer Support team will contact you via email and phone to cover any questions they may have. If needed, they may request some additional documentation.

We aim to use data at every opportunity to deliver a better experience for you. To assess your loan application, we need to complete a digital review of your banking and loan data.

The process we use to do this is proven, safe and secure. We take data security and the protection of sensitive information extremely seriously.

We have the following protocols in place:

• One-time use only: we never see or store your banking username or password;
• Read-only data: your transaction history and account details are read-only – it’s impossible for us to transfer or transact with any of your accounts;
• Maximum security: we use 256-bit encryption with all information (the same as big banks); and
• Secure storage: all data is securely stored, and we only use it in accordance with our Privacy Statement & Policy.

In fact, the information that we digitally assess is similar to what you would supply if you were to manually provide your bank statements to us. We just take the hassle out of the process for you.