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With our home loan app tracker, you can see your clients’ applications in real time. Just login to the Broker Portal.

• Easy & any time: Log in any time for an instant update
• Reliable messaging: Direct messaging to credit & update alerts
• Conditions management: Manage conditions & see progress in one place
• Safe & secure: Manage documents  securely 

A market-first innovation for alt doc lending, AltDoc Xpress streamlines the process of completing the Declaration of Financial Position and Accountant’s Letter digitally by your client and their accountant. 

This is more than just a tech upgrade — it could be the gamechanger you’re after for self-employed clients. By digitising a historically manual process, we’re giving you greater control, helping to improve turnaround times, and enhancing the overall experience for everyone involved.

A market first for SMSF loans:

Borrow up to $1m with a 90% LVR on residential securities for Full Doc loans - all with no LPF. This change could be key to unlocking more value.

Help open the door to more self-employed and investor clients.

Here’s what’s now available:

• 80% LVR loans up to $2.5m
• Mixed use securities up to 80% for Alt Doc
• Boarding house (<10 rooms) up to 80% LVR
• Childcare centres up to 70% LVR

You could help more clients with:

• No genuine savings needed across all options
• A postcode refresh: Many suburbs now classified as non–high density. Check our postcode calculator.

One ID, less hassle: We now support single doc ID for face-to-face interviews. No more chasing multiple IDs or dealing with mismatched details. 

What’s changed? Faster, simpler processing 

• One photo ID is now sufficient (current passport, drivers’ licence or proof of age card) 

• Need a redo? If discrepancies pop up, simply re-complete the Customer Identification Form (CIF) using the single doc option. 

What’s the criteria? 

• Purchases: The ID name needs to match the contract. 

• Refinances: The ID name needs to match the title, with a registered mortgage and less than $100,000 cash out. 

Upfront valuations for commercial properties are coming soon to Cotality Property Hub, giving you a faster, more seamless experience. 

• Effortless access: Simply toggle between residential and commercial tabs using your existing login. No extra setup required.

• One hub: Whether it's home, commercial, or SMSF loans, you can order residential or commercial security valuations directly through Property Hub.

• Familiar process: Clients receive email updates and prompts to confirm quotes, followed by payment screens that mirror the residential experience.

Keep an eye out for an email from Cotality this week with next steps. 

You can now send us your home loan application docs through the ApplyOnline documents tab. We’ve updated our system, so you can have confidence we'll receive them first go. Simply load them into the documents tab, hit upload, and you’re in.

Why it’s better than emailing?

• It’s faster: no more waiting on us to upload them.
• A secure way to send your docs with 2 factor authentication
• 100% delivery rate: Confidence we have your docs*

You can now use alternative documentation to demonstrate income for your clients' SMSF loan. Available when fund only borrowing capacity doesn't meet minimum requirements, but member(s) plan to and have capacity to make additional ongoing contributions (in addition to current contributions).

What documentation can you use?

• ABN registered for 24 months
• GST registered for 12 months
• Declaration of financial position plus one of the following:
  • 6 months business bank statement
  • 6 months BAS
  • Pepper Money accountant’s letter