Application document chasing and checking
About 7 hours a week of chasing gone. Borrowers send the right document first time more often, and every upload is checked before a processor opens it.
Hours back
7
hours a week back, typically
How it runs
What we build, step by step.
This is the usual shape. Yours gets built around how your team actually does the job.
- 01
A checklist per file
Built from the loan type and the borrower's situation: PAYG, self-employed, gifted deposit, rental income. Each borrower sees only what applies to them.
- 02
Specific requests from your address
"Your two most recent payslips, dated after 15 September" rather than "income documents". Reminders follow after three and six days, listing only what's still outstanding.
- 03
Every upload checked
Statement dates, missing pages, names that don't match the application, and documents that will go stale before settlement are flagged instead of ticked off.
- 04
Saved and renamed in the file
Documents are named consistently and saved to the borrower's folder.
- 05
A morning list for the processor
Which files are complete, which are waiting on the borrower, and which uploads need a person to look at them.
Shown with software we see a lot. If your team uses something else, we build it into that instead.
Built for your business
Same job, different business. We build yours.
Two firms in the same trade rarely run a job the same way. Different software, different steps, different people signing off. We build it for your business, around how your team actually does the job.
Your steps
Built around the order your team already works in, odd exceptions included.
Your software
Runs inside the tools you already pay for, set up the way you use them.
Your rules
Your wording, your limits, your sign-offs. Nothing generic goes out in your name.
You sign off
Your team keeps the final say.
The processor reviews every flagged document and decides whether an unusual one (a letter of explanation, a gift letter) is acceptable.
What it's worth
What those hours add up to.
7 hours a week, over 46 working weeks, is 322 hours a year. At $50 an hour, that’s
$16,100
back in the business, every year.
Typical, not promised.
Before and after
The job, before and after.
How it runs today
The processor sends a checklist, then opens every upload to see whether it's usable. Half of what arrives is out of date, cut off, or the wrong account, so the chase starts again.
What we build
- A checklist per file
- Specific requests from your address
- Every upload checked
- Saved and renamed in the file
- A morning list for the processor
A month in
More documents arrive right the first time, about 7 hours a week of chasing goes, and processors spend their time on files that are actually ready.
Why the request wording matters
Most repeat requests come from a vague first ask. Tell a borrower "bank statements" and you get one month of one account. Tell them "the last two full months of statements for every account you're using for the deposit, all pages" and they usually get it right.
We write the requests with your team so they match what your lenders want, then the system sends them the same way every time.
FAQ
Does it decide whether a document is acceptable?
No, the processor makes that call. Document checking covers what a checklist can: dates, pages, names and account numbers. Anything that needs judgement goes to the processor.
Can borrowers reply by text?
Yes. Document reminders can go to borrowers by SMS, with a secure upload link instead of attachments.
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Thirty minutes on application document chasing and checking. We build its elf with you, live, and you keep it.