Editing or cloning and resubmitting an application

There are several factors that will determine whether you need to edit or clone an application. We’ve provided guidance based on whether the application is:

• pre-formal approval, or
• post formal approval

To avoid needing to edit or clone an application, it’s important to ensure the application details are accurate. View our guide on how to submit a home loan application accurately to speed up approvals and reduce follow-ups.

You may be required to edit and resubmit an application prior to our team assessing your application in the following scenarios:

• changing product details (e.g. moving from Basic to Offset Home Loan)
• changing home loan facility and account structure (e.g. adding an extra home loan account or changing to a fixed rate)
• changing expenses (e.g. updating private school fees)
• error identified with applicant’s data.

You may be required to clone and resubmit an application prior to our team assessing your application in the following scenarios:

• application has expired application was submitted in error and needs to proceed as a principal increase application
• a pre-approval application has expired.

Edits can’t be made in ApplyOnline after the application has been formally approved. Where loan documents have the incorrect applicant or security details, you’ll need to contact our team via chat in Broker Portal. Loan documents will be re-issued if any edits are made to:

• applicant details (e.g. name, residential address, email, phone number)
• security details (e.g. address or ownership structure).

You may be required to clone and resubmit an application post-formal approval when a change is made to data that will impact the credit assessment, for example:

• changing product details
• changing home loan facility and account structure
• changing borrowing structure
• application has expired and could not be extended.
   

If you need to edit and resubmit an application, this won’t change the date the application was originally submitted. Therefore, it doesn’t extend the expiry date.

If a clone and resubmit is completed, this will restart all expiry time periods, starting from the date the cloned application was submitted.

To edit and resubmit an application in ApplyOnline:

1. Select Edit to Resubmit on the application
2. Enter comments in the pop-up and select Save. You can now edit the application. 
3. Make required edits and Submit the application.

To clone and resubmit an application:

1. Select Clone on the application
2. Select Other and provide further details in Clone Reason
3. Select Create
4. Make the necessary changes and attach all documents
5. Select Submit.

A cloned application won’t include any supporting documentation from the previous application, including the identity verification documents. You can easily link your customer’s completed NextGenID report to the cloned application. See Re-using your customer’s NextGenID reports.

If the report isn’t available to be linked or your customer needs to complete a new NextGenID report, you’ll need to resend the NextGenID request from the cloned application.