Track My Pre-settlement Application

Received your loan offer? Congratulations!

This easy-to-follow guide helps you progress to settlement online in your own time. Feel free to save and come back later.

Your guide to becoming settlement-ready

To lower the chance of delay, finish all 3 steps well before Settlement Day.

Accept your loan offer online

Let’s seal the deal. Sign into Internet Banking, and follow the steps.

Submit your Loan Authority form

Nominate your account, set up repayments and share your solicitor’s details.

Upload settlement documents

Check your list of documents we still need, follow the prompts and upload them. Simple.

Frequently asked questions

All you need to know about checking, accepting and uploading documents online.

Before you get started

Why submit my documents online?

You can accept all, or most, of your documents online.

Simple. Review in your own time, clarify with your Lending Manager or Broker before signing.
Direct. Connects to our system for instant access right up to settlement.
Faster. No manual processing, less chance of settlement delays.
Secure. All in one place, can’t get lost in the mail.

Signing into Internet Banking

I’m already with Bank of Melbourne

Know your Customer ID and password to sign in to Internet Banking or on a computer.

You’ll need an active Internet Banking profile.
Haven’t banked online in a while? Call 1300 304 660 and follow the prompt For all other loan enquiries. We’ll ask a few questions to make sure it’s really you, and give you a new temporary password.
You will then be able to set a password of your own choosing.

I’m new to Bank of Melbourne

Use your Customer ID and temporary password to sign in.

When you received your Loan Offer, you received a reminder email with your Customer ID. And if your temporary password was about to expire in the next 24 hours, we also reissued a new temporary SMS password.

Temporary password expired?

Temporary passwords expire after 30 days.
You won’t automatically receive a new temporary password SMS after if it’s expired. Instead, call 1300 304 660 and follow the prompt For all other loan enquiries. We’ll ask a few questions to make sure it’s really you, and give you a new temporary password.
You’ll then be able to set a password of your own choosing.
You’ll need to give us consent that you’re happy to for us to send you these types of communications.

FAQs about signing into Internet Banking

Property in VIC, NSW, QLD, SA or ACT?

If the property’s address is in VIC, NSW, QLD, SA or ACT, you don’t need to print any Loan Documents. You can accept them all online.

Property in TAS, NT or WA?

The property’s in TAS, WA or the NT:

Remember, you can still accept your Loan Offer and most documents in Internet Banking.
But for some documents, like the Mortgage Agreement, you’ll be prompted to print it out, fill it in, sign it, and return it to your Lending Manager or Broker. This is due to state and territory laws.

And I’m applying with someone else:

In Internet Banking, the primary applicant is prompted to download, print, fill out, and sign the Mortgage Agreement.
They then give it to the secondary applicant to sign too. Either applicant then returns it to their Lending Manager or Broker.

1. Accepting your Loan Offer online

Sign into Internet Banking, and follow these steps:

View my Loan Offer

On the main page, go to your home loan progress bar > Under Make it official > View and accept offer

Review my Loan Documents

Under Make it official > View and accept offer

Enter the one-time SMS code sent to the mobile number you’ve provided

Select Read document to review all the documents displayed here (required).
A digital Mortgage Agreement only appears here if you live in a ‘digital’ State (ACT, NSW, QLD, VIC, SA).

Understand legalities of my loan contract

Review Important information about your Loan Contract

Confirm and accept loan offer

Check the box to confirm whether you’ve read the documents.
Select I accept my Loan Documents – these documents will be final and binding.

Documents to action and keep

Documents for you to return or forward section lists documents that need a physical signature, and further actions you need to take.

Note: State government regulation in ‘non-digital’ states (TAS, NT and WA) means you’ll need to physically sign some documents, including the Mortgage Agreement.

2. Submitting your Loan Authority form online

Nominate an account, set up your repayments and share your solicitor’s details.

Start Loan Authority form

Go to Home Loan > Select Continue > Track your application
Select Make it official
Under Outstanding loan details
Select Review and submit

View Outstanding loan details

You’ll see the info you need to provide, including Account details, Direct Debit details and Solicitor details.
Tip: have these on hand before you continue.

Set up account details

Select Account details > Choose the account you want to be credited at settlement with any surplus (meaning there is money left over after we setup your loan). Have no Bank of Melbourne account? It will say We couldn’t find an eligible account, please contact your Lending Manager/Broker.
You can choose the same, or a different account, to be debited with any shortfall (meaning there is additional money you need to provide to setup your loan).
You can Save and continue or Skip this step to move to the next section.

Set up your direct debit

Select one of your Bank of Melbourne accounts, or use an external bank account.
Select whether you’ll be repaying Monthly, Fortnightly or Weekly.
Review the Direct Debit Request Service Agreement before acknowledging and accepting.
You can Save and continue or Skip this step to move to the next section.

Provide solicitor details

Add your solicitor (or conveyancer) details.
You can Save and continue or Skip this step.
Settlement scam watch: if you receive a message to transfer funds into a different account, first check it’s legitimate by calling or messaging us back using these original contact details. Never use contact details from a suspicious message.

Submit

Finally, you’ll be directed back to your Outstanding loan details screen, which will show all completed areas with a green tick and any fields that still need more detail.

When all areas are ticked, and you’re satisfied with all your details, select Submit and your loan details will be saved and reviewed by your Lending Manager/Broker.

Troubleshooting

How can I minimise the chance of settlement delay?

Ensure all home loan applicants give their loan authority.
Fill in all screens rather than selecting skip

Why can’t see a ‘Review & submit’ button?

If you’ve already given details and none of the info is outstanding, a ‘Review & submit’ button won’t appear. The step will show as 'Complete'.

What if I can’t see an option in my digital Loan Authority form?

If we don’t need to confirm any details, they won’t appear in this Outstanding loan details online form.

How do I change details after I’ve already submitted this form?

Use the physical form in your Download, view or return document section. You can find it by going to View Documents > Documents for you to return or forward > then download and print Loan Authority Amendment.

Need a hand? Your Lending Manager or Broker can help.

3. Upload settlement documents

Sign into Internet Banking, check your list of documents, follow the prompts and upload them. Simple.

Track your application

On the main page, go to your home loan progress bar and select Continue > Track your application
Select Make it official > Upload settlement documents > then select the Upload documents button.

Upload documents

Check what documents are needed, follow the prompts and then upload them.

Successful uploads

A green box will confirm that the document(s) have been successfully uploaded.
When your documents have uploaded successfully, they’ll be listed under Uploaded documents in your Upload your settlement documents screen.

Unsuccessful upload

If the file’s too large, is the wrong type of file or doesn’t upload – a red error sign appears.
Document won’t upload for some reason? Your Lending Manager/Broker can share them with us for you.

FAQs about pre-settlement documents

What settlement documents do I have to provide?

Check your loan offer cover letter for the Document Checklist.
Or go to the Track your application dashboard, go to Make it official > Upload settlement documents to see the list.

Need help finding them? Ask your Lending Manager or Broker.

Where are my digital Loan Documents?

Sign into Internet Banking
Go to your home loan progress bar: Your loan documents are ready for your signature – View and accept offer.
Select Continue > You’ll be taken to the Track your application dashboard.
Under Make it official > Select View and accept offer.
Enter the one-time SMS code sent to the mobile number you’ve provided.
You’ll be taken to your Accept your Loan Documents screen where you can view and read your documents.

Is something missing in my Loan Authority form?

How can I minimise settlement delays?

Tips:

Be organised. If you have documents to accept, check, sign and return them quick-sharp.
Attention to detail. Before signing your loan documents, check the deposit amount hasn’t changed, your name’s spelled correctly etc. And if you have a mortgage Broker, have them double-check everything.
Accept & upload online.
- Faster. No manual processing, less chance of settlement delays.
- Direct. Connects to our system for instant access right up to settlement.
- Simple. Review in your own time, clarify with your Lending Manager or Broker before signing.
- Secure. All in one place, can’t get lost in the mail.
Coordinate. Work closely with your conveyancer and Lending Manager or Broker to help move everything along smoothly.

I’m applying with someone else, how does each co-borrower accept documents?

Who needs to upload the documents?

How do I change details after submitting the Loan Authority or 'Outstanding loan details' form?

How do I download copies of my Loan Documents?

Once you’ve accepted your documents online, you can find a copy on the Track your application dashboard:

Select View documents > Select Download all

You may also see other documents that need actioning, like:

Loan Authority Amendments
Solicitor Instructions
Mortgage Agreement for non-digital states and territories

Good to know

These documents are only available here until settlement.

FAQs about setting up Internet Banking

How do I register for Internet Banking while I apply?

During your home loan application, we’ll ask if you want to use Internet Banking. If you say “yes” we’ll set it up for you. You also need to agree to get emails and texts from us so we can send you your Internet Banking details.

Your Customer ID

Never been a Bank of Melbourne customer before? We’ll create a Customer ID for you to use Internet Banking. If you have been a customer before, you might already have a Customer ID, and we’ll just enable your Internet Banking profile.

Your temporary SMS password

If you’re new to Internet Banking, we’ll send you a temporary password by SMS so you can sign in for the first time.

Why didn’t I get a temporary SMS password?

If you didn’t receive a temporary password by SMS, it might be because:

You didn’t agree to getting texts and emails from us.
The mobile number you gave us in your application doesn’t match the one you use.
You’re overseas and don’t have access to the mobile number you gave us.
Network or tech issues.

To fix this, you can:

Call 1300 304 660 and follow the prompt For all other loan enquiries.
Tell them you're applying for a home loan and need help with Internet Banking.
They’ll ask a few questions to make sure it’s really you, like your name and loan application details.
Once verified, they can confirm your Customer ID and that you’ve agreed to getting texts and emails. They’ll send another temporary SMS password, and help you get set up.

If your identity can’t be verified over the phone, you’ll need to visit a branch with photo ID. This ensures your info remains secure.

What if I didn’t get my Customer ID email?

If you didn’t get the email with your Customer ID, it might be because:

You didn’t agree to getting emails from us.
The email you gave us in your application doesn’t match the one you use.
Network or tech issues.

To fix this, you can tell your Lending Manager or Broker that you didn’t get the email. They can help by checking if you agreed to get emails, and by giving you your Customer ID.

Or you can call us on 1300 304 660:

Follow the prompt For all other loan enquiries.
Tell them you're applying for a home loan and need help with Internet Banking.
They’ll ask a few questions to make sure it’s really you, like your name and loan application details.
Once verified, they can confirm your Customer ID and that you’ve agreed to getting texts and emails. They’ll send another temporary SMS password, and help you get set up.

If your identity can’t be verified over the phone, you’ll need to visit a branch with photo ID. This ensures your info remains secure.

Can I use the website’s ‘Register for Internet Banking’ option?

Why do I need to verify my ID in-branch?

We want to make sure your info stays safe and secure. Sometimes, to be extra careful, we need to check who you are in person at a branch. To do this, you need to bring photo ID, like a passport or driver licence. You may need to visit a branch if:

You can’t answer the security questions over the phone.
Your address needs fixing, and your lender or broker can’t help update it.
Your date of birth date isn’t recorded (only if you became a customer before 1 July 1985).
We think something unusual might have happened to your account.
We don’t have enough details to check who you are online or over the phone.

Visiting the branch helps us be sure that it’s really you, so your details stay safe.

Protect your deposit from scammers

Keep an eye out for scammers pretending to be someone you trust, like your conveyancer, Lending Manager or Broker. If they ask you to send money to a new bank account, don’t do it right away. First, speak to the person you know using their original phone number or email to double-check. Never use contact details from a suspicious message.

Tell me more

Track it in the Bank of Melbourne App

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The Detail

Conditions, credit criteria, fees and charges apply. Based on Bank of Melbourne’s credit criteria, residential lending is not available for Non-Australian resident borrowers. Interest rates subject to change. Before making a decision, it’s best to read the terms and conditions.

Loan Accounts – Charges for specific services and accounts (PDF 360KB)

This information is general in nature and has been prepared without taking your objectives, needs and overall financial situation into account. For this reason, you should consider the appropriateness of the information to your own circumstances and, if necessary, seek appropriate professional advice.

Key Fact Sheet for Home Loans

Track my pre-settlement application: 3 steps