Whether you're buying your first or second home or are investing in a property, and are in need of a home loan, we're here to help. The following steps will give you an indication of our process for an established home.

Home Loan Application Process

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Step by Step Guide

  1. Contact Us or Visit Us

Contact Us or Visit Us

  • Stop by a branch or call us on 1300 747 747 to arrange an appointment.
  • Our experienced team of home loan specialists are ready to assist you, either in branch or over the phone.
  2. Finding the Right Loan

Finding the Right Loan

  • During your appointment, our specialists will gain an understanding of your current financial situation plus your requirements and objectives.
  • They will help determine what home loan options are most suitable for you.
  3. Complete Your Application Form

Complete Your Application Form

  • Fill out the forms either online or on paper.
  • This includes providing various information and documents to help us verify your financial situation.
  • Use our home loan application checklist to find out what documents you'll need.
  4. Assessment of Your Application Form

Assessment of Your Application Form

  • Our home loan specialists will review your application and do a preliminary review of your requirements.
  • If everything looks okay, they will pass it onto an experienced Credit Assessor for a full assessment and approval.
  • A Conditional Approval will be issued while we organise the property to be valued, and we will let you know if anything else is outstanding.
  5. Loan Approval

Loan Approval

  • Once we have everything we need and your application is okay to proceed, we will issue you with a formal approval.
  • At this time, our solicitors will be instructed to issue the mortgage pack which includes the formal loan offer.
  6. Sign the Documents

Sign the Documents

  • Once you receive the mortgage pack, make sure you carefully read the loan agreement and terms and conditions before signing the documents.
  • Once signed, return them as per the solicitor’s instructions, who will then arrange settlement.
  • Before settlement, we’ll need a copy of your Comprehensive Home Insurance.
  • We can organise this through our partner Allianz (although you of course can select your own insurer).
  7. Loan Settlement

Loan Settlement (the loan funds are disbursed as needed to complete the settlement)

  • A. If the transaction is to purchase a property, your solicitor or conveyancer will tell our solicitors who to pay. After settlement, the property will be transferred to your name and we will register the mortgage.
  • B. If you’re refinancing the loan, the proceeds will be paid to your outgoing financial intuition, after which the loan will be paid out and closed. We will then discharge the other banks mortgage and register our mortgage.
  8. You’re All Done!

You’re All Done!

  • Congratulations, you have completed the home loan process!
  • Remember, we’re here to help. If you have any questions on your new home loan, contact one of our home loan specialists at any time at 1300 747 747.



Download the guide

Click here to download Your Guide to the Home Loan Application Process brochure.

Compare our home loans

Compare our range of competitive home loans, or apply online.

Important Information

Please note this is guide only. The advice in this document has been prepared without taking your individual objectives, financial situation or needs into account. Applications for finance are subject to approval. Full terms and conditions will be included in Qudos Bank’s loan offer. Fees and charges may apply. Mortgage insurance is required for home loans over 80% and is subject to approval. There are some additional requirements for a construction home loan.