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.
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.
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.
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.
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).
Need help?
If you continue to experience ApplyOnline validation issues, contact your Partnership Manager or email [email protected].