One of the irritations of a home loan application is preparing and sending all the supporting documentation that the lender requests. Payslips, drivers’ licences, bank account statements all contain highly confidential information, so it’s important that we continue to ensure your data is safe.
Rather than sending multiple emails, which if you mistype the email address, could be sent to the wrong person, we’ve implemented a file collection portal to ensure your files come directly to us.
Our Client Centre Portal provides a safe and simple means of submitting personal information and supporting documents. Using multi-factor authentication, each applicant is assigned a personal link for added security. You no longer need to send multiple emails with attachments, as the portal is a secure communication channel for sharing sensitive information.
Client Centre Portal Overview
Benefits of using the Client Centre Portal
Your data is secure using the same encryption technology as the banks
Access to the portal is protected by two-factor authentication
Data sent through this portal is more secure than emailing the files directly
You can see the full list of required documents and what items are still outstanding
You don’t have to upload everything at once and can return to the portal and upload at anytime
Upload files directly from your computer’s hard drive
You don’t need to remember a password, your link is customised to you
You don’t need to send loads of emails with multiple attachments and risk those emails going to the wrong person
If you only have hard copy files, you still have the option to post them to us.
How to access
We will send you an email with a personalised link for you to access the Client Centre Portal. Once you click on it, a SMS will be sent to your mobile number with a code for you to input. Once you have entered the code, you will be able to access the portal.
Each applicant will be sent a separate link.
We set a deadline for the link to expire within 7 days, but we can extend that deadline if you need more time.
The Home Page
The front page of the Client Centre is your landing page. From here you can see the documents sent by us to you ready for downloading and signing. These appear on the right hand side of the page.
The Borrower Section
In this section, applicants will be able to:
Update your own personal details, including your current and previous address/es. (Note, lenders require at least 3 years of residential addresses)
Provide current and previous employment details (Note, lenders require at least 3 years of employment history)
Add the details including name and date of birth of any dependents (children under the age of 18) you have
Upload your supporting documents. There will be separate sections for each document request with individual instructions for each of the documents (ie, 3 months of transactional bank account statements)
Link to Cash Deck for you to access your bank statements using an encrypted portal. It is now mandatory for mortgage brokers to collect bank statements using a secure service. Cash Deck are an Australian company and are connected with over 120 banking institutions that allows you to log in to your online banking and have your statements retrieved and automatically sent to us.
Financial Profile
In this section you can provide the information about your;
Living Expenses
Assets
Liabilities
Other income not related to your primary employment (ie, dividends or family allowance)
Review and Submit
This is an overview of the sections you have completed. Once you have completed all the sections click Submit and we will be notified.
Client Centre Tips and Tricks
What you’ll need to complete the Client Centre Portal
To ensure a quick turnaround for your application, it’s important to complete the fields with the most accurate information. You may need to refer to the following documents when completing the Client Centre;
Your mobile phone to receive the access code
Recent payslips (last 3 months)
Identification documents
Information about your current debts including balances, current repayments and limits
Balances and limits for any buy now/pay later accounts such as AfterPay or Zip
Mothers maiden name. Ensure you enter your mother’s maiden name (her full name prior to marriage). This information will be used by the lender when your loan documents are sent out.
Access to the Client Centre Portal
Once you click on the link provided in the invitation email, the system will automatically send an SMS access code to the mobile number you have provided us with. You’ll need to enter the code to get access.
Assets and liabilities
Ensure you list ALL your assets, no matter how small, including;
real estate, motor vehicles, boats and caravans
business equity, cash management, charge over cash etc
savings, investment savings and cheque accounts (please list each bank account separately)
gifts (including money from a family member to assist with your property purchase)
home and contents (always include the estimated value of all your furniture)
managed funds and term deposits, shares and superannuation
jewellery, antiques, and collectables (select OTHER as the asset type for these)
Ensure you list ALL your liabilities, no matter how small, including;
credit cards and line of credit
HECS or HELP debt
hire purchase and car loans
mortgage
outstanding ATO / taxation debt
personal loans
store cards, buy now/pay later cards such as AfterPay
Frequently Asked Questions
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With any new system, it takes a little bit of time to change old habits. Our preference is for all our clients to use our Client Centre Portal as the file transfer method is safer for you and it will save us time collating your documents, resulting in a faster turnaround time.
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To upload a file, click on each individual request listed under the requests page. This will open up showing more information about each request, and show an upload button. Click on the upload button then select the file(s) you wish to send to Mint Equity. The document you uploaded will then appear under the heading Your Documents. If you uploaded the wrong document, just click the X to delete.
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This portal uses the same encryption technology used by banks. Any information sent or uploaded uses a secure, SSL/HTTPS connection, and all files are encrypted both in transit and at rest. Every file is automatically encrypted when stored as well as during upload. The whole system is audited by independent security professionals on a regular basis.
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Passwords can be easily forgotten or guessed, so the system uses multi-factor authentication instead. That means that a random code will be sent via SMS to your mobile phone each time you need to access the portal. Only the person with the code will be able to access the portal.
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Once you have finished, all the information will be sent to Mint Equity, and we review and check off the information. If anything needs to be changed, you will be notified and can come back and upload new information.
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We set a deadline for the link to expire within 7 days, but we can extend that deadline if you need more time. Just email your broker or reply to the original email with the portal link and we will push out the deadline.
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To fast track your application, we’ve set a due date for the documentation and you’ll be sent a reminder email closer to the due date. We need all the information requested to start your application review, so the quicker you can get the information to us, the quicker we can start harassing the banks for you.
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As we progress through the application process, we may need additional supporting documentation, however we’ll start with the essential information now to minimise your workload. Our job is to minimise your workload, so we’ll only ever ask for the essential information, but sometimes, lenders change their credit policies and request further information. That’s when we’ll send you the same link, but we’ll add new document requests to complete your application.