This article outlines how validation errors work in ApplyOnline (AOL) and provides guidance on resolving common issues.
What is ApplyOnline (AOL)?
ApplyOnline (AOL) is a web-based lodgement platform used to submit residential home loan applications to lenders.
Each lender configures mandatory fields and business rules within AOL. When required data is missing or incorrect, a validation error will appear.
Validation errors are typically shown in red.
How to identify validation errors
Validation errors can be found in several locations within your AOL application.
Left-hand section menu
A red cross icon appears next to sections with outstanding errors.
Main application window
Fields with missing or incorrect data are highlighted in red.
To Do panel (right-hand side)
Lists all outstanding validation errors.
Provides a detailed explanation of the issue.
Clicking the error message takes you directly to the relevant field.
Field hover explanation
Hovering over a highlighted field displays an explanation of the required data.
Clearing validation errors
To clear a validation error:
Review the message carefully.
Enter or correct the required data as indicated.
You cannot submit the application until all red validation errors are resolved.
Validation warnings (orange)
Some validation messages appear in orange.
These are warnings and do not prevent submission.
However, you should provide appropriate commentary if required.
Common ApplyOnline validation errors and solutions
Below are common validation errors and how to resolve them. Additionally, this section will now include common submission errors to provide a more comprehensive troubleshooting guide.
Mortgage priority error
Validation message:
“New mortgage priority must not be the same as the existing mortgage priority.”
Solution:
Open the existing mortgage under the Security tab.
Change the existing mortgage priority to Second.
Address must be provided
Validation message:
“An address must be provided for Security 1.”
For pre-approvals, the property address may not yet be known.
Solution:
Use manual address entry.
Enter “1 TBA Street” with a valid suburb and postcode to clear validation.
Compliance checklist incomplete
Validation message:
“One or more non-mandatory documents within the Compliance Checklist are incomplete or missing. Click here to [Update Checklist now].”
Solution:
Connective Credit Representatives must complete the separate Document Checklist under the Documents section.
Upload:
Credit Guide
Credit Proposal Disclosure
Preliminary Assessment
This will clear the validation error.
Missing Compliance Documents
Submission errors often occur when required compliance documents are not uploaded. To resolve this:
Open the application’s Documents tab.
In the left-hand panel, select Compliance.
Upload all required compliance documents listed in this section.
After uploading, click Continue to proceed with the submission. If the Compliance section still shows missing items, ensure each required document is attached in the correct category and reattempt submission.
Home Guarantee Scheme error
Validation message:
“If applying for Home Guarantee Scheme is Yes then there must be a Type of Security selected for ‘Home Guarantee’.”
Solution:
Add an additional Security.
Set the Type of Security to:
“Home Guarantee Scheme – <relevant option>”.
“Invalid (must be greater than or equal to 1)” error
If you receive:
“Invalid (must be greater than or equal to 1)”
This typically means a required numeric field cannot be zero.
Solution:
Enter at least $1 to clear the validation.
Example: If Property Expenses are listed as $0 under the Securities tab, enter $1 to satisfy validation.### Payslip Verification and Date Fields If you are unable to validate a payslip or cannot see required fields such as date fields:
Adjust Browser Zoom: Reduce your browser zoom level until all fields and sections are visible. This can be done via the browser menu (e.g., the three dots in the top-right corner). Adjusting to around 80% often works.
Scroll to Reveal Hidden Fields: Hover your cursor over the form area and scroll to uncover any hidden sections.
Reopen the Application Screen: If changes were made by someone else or after adjusting settings, close and reopen the application screen to refresh the view. Once all fields are visible, complete the required entries (e.g., pay period dates and frequency) and re-run the validation.### Clearing Validation Errors in Red Sections If certain sections, such as Security or Loan Product, remain highlighted in red without specific error messages:
Navigate to Other Products > Cross Sell Segment.
Open the Security tab to reset and clear the validation. This action often resolves the issue and allows you to proceed.### Applicant Name Validation ApplyOnline does not allow spaces within the middle name field. If an applicant has multiple middle names:
Remove spaces from the middle name field.
Alternatively, place additional middle names into the Family Name/Surname field to bypass the validation error.
Less than three years of employment or address history
Validation message:
“You must provide at least 3 years of employment for applicant 1.”
Solution:
Ensure there are no gaps in employment or address history.
If the applicant was unemployed, select Unemployed for the relevant period.
Confirm the combined history covers at least three years.
Missing Liability Information
Validation errors related to liabilities can be resolved by adding the missing liability information to the application. Once the liabilities are entered:
Re-run the validation process.
Confirm that the error is resolved.
Manually Attached Identification Documents
If a validation error occurs after manually attaching an ID following the completion of NextGenID, follow these steps:
Remove the manually attached Identification Document from the application.
Refresh the page to allow the system to automatically verify the Identification Document from the completed NextGenID.
Check the Applicants tab to confirm the error is cleared.
Best practice tips
Review the To Do panel before attempting submission.
Resolve errors section by section.
Double-check numeric fields for zero values.
Use placeholder details only where lender policy permits (e.g. pre-approval).
Regularly check for updates or changes in external systems that may affect your application.
Use the validation tool in ApplyOnline to identify and address errors before attempting submission.
Always ensure your browser is updated to the latest version for optimal compatibility.
If issues persist, try closing and reopening the application or clearing your browser cache.
Need help?
If you continue to experience ApplyOnline validation issues, contact your Partnership Manager or email [email protected].