Prepare a clearer finance submission.
Access the product summaries, checklists and process explanations designed to support broker submissions. Each resource should state its version date and the service or product to which it applies.
Connect the documents with the credit story
Good preparation reduces avoidable clarification. A useful submission connects the loan purpose, borrower information, asset position and repayment plan rather than providing an unstructured collection of files.
Guides should distinguish the information needed for an initial discussion from the documents required later. Where a product or process changes, the resource centre should identify the current version.
Transaction-specific requests may go beyond a general checklist. The team will explain those requirements as the assessment develops.
Prepare for the decision you are asking the team to make
An initial scenario and a detailed credit submission serve different purposes. The first establishes the key facts and whether a more detailed discussion is appropriate. The second provides evidence for a defined proposal. Sending a large document collection without a summary can leave important assumptions unclear, even where individual records are accurate.
Use the product pages and process guide as a starting point, then follow the transaction-specific information request. For property, connect asset and debt details with the exit. For development, add approvals, budget, delivery and sales assumptions. For business lending, explain operating performance and the cash cycle. Check document dates, reconcile the requested amount with the use of funds and identify outstanding material. These online guides explain information categories; they do not represent a downloadable application pack or replace lender requirements.
A practical preparation checklist
| Consideration | What to explain |
|---|---|
| Property | Ownership and asset details, current debt, occupancy and valuation context. Connect the proposed security with the intended repayment source. |
| Development | Approvals, feasibility, delivery programme, budget, cost to complete, sponsor equity and sales position. Identify outstanding contracts and dependencies. |
| Business | Historical and current financial information, debt schedule, operating model and supported cash flow assumptions. Explain how new funding changes the position. |
| Every scenario | Client authority, purpose, amount, timing, evidence for the exit and known complications. Identify document dates and any assumptions requiring confirmation. |
The process, explained
- 01
Establish the relationship
Introduce your business, professional role and client needs. Discuss the services you intend to provide, the authority you hold and the type of relationship you want to establish with Regalis.
- 02
Agree responsibilities and information handling
Confirm who can communicate with the client, which information can be shared and how documents will be supplied. Discuss any relevant verification, commercial terms and disclosure requirements before relying on the arrangement.
- 03
Prepare an authorised handover
For a live matter, explain the client objective, timing and known complications. Identify the decision being sought and who will manage the application or investment discussion after the introduction.
- 04
Maintain the agreed communication
Updates follow the client authority and the role of each party. Keep business and contact information current, raise changes to the arrangement and use only the access permissions that have been expressly provided.
Questions before you proceed
Is this a complete list of credit requirements?
No. A checklist is a preparation guide. The borrower, security, structure and funding provider can create additional information needs. The team should explain the purpose of further requests as the assessment progresses.
Where should confidential supporting files go?
Use the document process agreed with the team. The public scenario message is intended for an outline, rather than identity documents, bank records or detailed client financial material. Confirm authority before sharing any client information.
Bring the next scenario into focus
Prepare a concise transaction summary, confirm the client authority and identify the next decision you need. The team can then discuss the assessment route, outstanding information and an appropriate communication arrangement.