What is ApplyOnline (AOL)?
ApplyOnline (also known as AOL or Apply Online) is a web-based lodgement platform used to send residential home loan applications through to the lender. Each lender will configure the mandatory fields and data entry using Validation Errors. The validation errors are indicated in red.
How do I find validation error information in my ApplyOnline (AOL) application?
The validation error information in your ApplyOnline (AOL) application can be found in the following places:
The left-hand section menu will display a red cross icon where there are outstanding validation errors for that section.
Fields in the main application window will be highlighted in red, indicating there is missing or incorrect data.
The right-hand To Do window-pane will list outstanding validation errors with a detailed explanation of the required data. Clicking the validation error messages will take you to the corresponding field(s).
Hovering the mouse over the field validation will display an explanation of the data required.
To clear the validation, enter data as required according to the validation error message.
Apply Online Validation Warning
Some Apply Online validation messages appear in orange text. These are validation warnings and will not prevent attempts to submit through to the lender.
Common ApplyOnline (AOL) Validation Errors and Solutions
These are some of the most common ApplyOnline (AOL) validation errors and advice on how to resolve them.
Note: You will not be able to submit the application through to the lender until you have cleared all validation errors.
Orange warning explanation mark icons will not prevent submission, but you should include commentary to explain the warning if required.
Mortgage Priority
Validation Error
"New mortgage priority must not be the same as the existing mortgage priority"
Solution
Open the existing mortgage in the Security tab and change priority to Second.
Address Must Be Provided
Validation Error
"An address must be provided for Security 1." For Pre-Approvals the address might not be known."
Solution
Use the manual address entry. "1 TBA Street" along with a valid suburb and postcode to clear the validation.
Compliance Checklist Documents Incomplete
Validation Error
"One or more non-mandatory documents within the Compliance Checklist are incomplete or missing. Click here to [Update Checklist now]."
Solution
Connective Credit Reps also have a separate Document Checklist to complete in the Documents section. Upload the Credit Guide, Credit Proposal Disclosure and Preliminary Assessment to complete the checklist, which will clear the validation error.
Home Guarantee Scheme
Validation Error
"If applying for Home Guarantee Scheme is Yes then there must be a Type of Security selected for 'Home Guarantee'."
Solution
You need to add an additional Security and set the 'Type of security' to 'Home Guarantee Scheme - <option>' to clear the validation error.
I'm getting the error "Invalid (must be greater than or equal to 1)"
If you're getting the error "Invalid (must be greater than or equal to 1)", you'll just need to enter a value of at least $1 to clear the validation error. For example, you may have $0 for Property Expenses under the Securities tab, but you'll just need to enter $1 so it passes validation.
Stating less than three years worth of Employment or Address information
Validation Error
"You must provide at least 3 years of employment for applicant 1"
Solution
Ensure there are no gaps between employment or address information. If unemployed during the three years Unemployed can be selected.