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Submitting a loan

Step 1 - Complete Application form
  • Log into your CRM system or directly into ApplyOnline (depending on your submission process) and complete the Adelaide Bank application.
  • Ensure that you have all supporting documents in individual files required for the application (see our supporting document checklist for clarification).
  • Ensure that all parties have signed the application where required (including the NCC Purpose Declaration if applicable).
Step 2 – Submit Application
  • Complete all mandatory details and hit 'submit' (taking note of any red or amber ‘flags’).
  • If your customer/s would like to digitally sign their loan offer document you’ll need to select the Electronic Signature drop down box under Receive Loan Offer Documentation. You’ll then be required to supply a valid and unique customer email address and phone number during the application process.
  • Ensure all Responsible Lending questions are completed in full.
  • You will receive notification of the submission with your application number (via email and/or backchannel message through the submission system).
  • Please note:
    • Non-South Australian documents ineligible for KWIL will be issued via the Galilee Portal for downloading by the broker.
    • South Australian documents ineligible for DocuSign will be issued via hard copy in accordance with non-digital process.
Step 3 – Upload supporting documents
  • Use ApplyOnline to submit supporting documents and meet the madatory checklist items. This applies to new residential lending and variations to existing loans. Use DocSend for new commercial loans only.
Step 4 - Quality check
  • Our pre-assessment team will review your supporting documents to ensure everything is on file for our assessment team to be able to assess your application.
Step 5 - Assessment
  • You will receive notification when the loan documents have been produced. You will also be able to see this status change in ApplyOnline.
  • Loan documents will be dispatched to the nominated destination on the application.
  • Your customer needs to complete, sign and return the documents in the pre-paid envelope including the FATCA & OECD questions on the Financial Summary.
  • If you selected digital documents as the delivery option during the application stage the digital document pack will be made available electronically.
Step 6 – Approval
  • We will notify you of Conditional Approval and arrange Valuations & Lender’s Mortgage Insurance if required.
  • We will also notify you of Formal Approval or if lending criteria have not been met and rework deals with new loan structures or loan amounts if possible.
Step 7 – Loan documentation
  • You will receive notification when the loan documents have been produced. You will also be able to see this status change in ApplyOnline.
  • Loan documents will be dispatched to the nominated destination on the application.
  • Your customer needs to complete, sign and return the documents in the pre-paid envelope including the FATCA & OECD questions on the Financial Summary.
  • If you selected digital documents as the delivery option during the application stage the digital document pack will be made available electronically.
Step 8 – Settlement
  • You will receive notification when the loan is ready for settlement, and then settles. You will also be able to see this status change in ApplyOnline.
Step 9 – Commission payment
  • Commission payments are arranged within seven days of month-end.
  • Payments will be sent directly to your aggregator who will facilitate payment to you.
Step 10 – Post-settlement support
  • Your customer will receive an welcome call from us to ensure that loan settlement is to their satisfaction as well as to provide an introduction to internet banking and their relevant account numbers.

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This website is for broker use only and any advice provided is of a general nature only. Information on this page can change without notice to you.
Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. GPO Box 1048, Adelaide SA 5001. Terms conditions and lending criteria apply.
© Copyright 2021 Adelaide Bank a division of Bendigo and Adelaide Bank Limited.