What do I need to apply for a home loan?

What do I need to apply for a home loan?

Complete an application

Complete a home loan application and send it to us with supporting documentation. If you need assistance to complete the application call 1800 864 864 and speak to a home loan specialist or make an appointment with your local mobile lender.

Expected time frame: 10 - 15 minutes

Pre-approval (also referred to as conditional approval)

Your application and supporting documents are checked and you will be contacted with pre-approval or advised if more information is required to process your application. Your pre-approval will remain valid for up to 90 days subject to your financial position remaining unchanged.

Expected time frame: 48 to 72 hours


On pre-approval a property valuation will be ordered. The valuer will either contact you directly or call the real estate agent to gain access to the property. They will submit a report to UniBank.

Expected time frames: Depending on accessibility of the property

Final approval (also referred to as unconditional approval)

Based on the result of the valuation and other conditions of the loan being fulfilled, formal approval is granted for your loan. 

If your loan is for the purchase of a new property we will notify your solicitor immediately and request required documentation such as the contract of sale and transfer documents.

Expected time frame: 24 hours from above if no further information required

Home loan contracts dispatched

Loan contracts and mortgage documents are mailed to you or your solicitor.

Expected time frame: 24 to 48 hours

Contracts and documents

Read through the contract and support documents carefully. Check with your solicitor to see if you need to see them to explain the documentation. Sign and return all documentation in the reply paid envelope provided.

Loan funded and settlement booked

Once your documentation has been returned, a final check will be done to ensure there are no errors and legal documents have been fully executed. We will then liaise directly with your solicitor or previous lender to arrange a settlement date. 

This date will depend on the vendor, other lenders and solicitors


Well done, you can now organise the removalists.

We can cater for your first home loan, investment loan, equity loan, interest only loans or refinance.