DIP refer cases

Submitting a Full Mortgage Application (FMA)

Once you've received a Subjective Accept, you can submit the FMA.

If you submit the FMA before receiving a Subjective Accept, we won't instruct the valuation until our underwriters have fully assessed and accepted the case. This will delay your case.

Making changes to the initial DIP after receiving a Subjective Accept could change the application back to 'Refer'.

Underwriting cases

We'll only underwrite your case once you've submitted the FMA.

We may need to assess some higher risk cases in more detail. For example, we may look at 'Year to Date' figures when considering bonus, overtime and commission.

Editing names and address history

If a DIP decision hasn't been obtained, you can revisit the DIP section and amend the property details.

Once a DIP has been scored, you can't amend the applicant's name or their current and previous address history. Contact us for further guidance.

Some decline decisions will mean a case can't be edited. If you're still having trouble editing the case, contact us on Broker Chat.

Expired DIPs or declines

When the DIP is declined due to affordability or criteria, you can appeal by getting in touch with your BDM. For further information relating to a decline that's been submitted to FMA, please call our Mortgage New Business team.

If the DIP decision is 'Decline' due to affordability or criteria, you can also amend the original data and reprocess the DIP to receive a new decision. For more details, read our keying guide (PDF, 1.1MB).

For an existing expired DIP, you can re-run the DIP to generate a new expiry date. This will leave a new soft footprint on your client's credit record. If you have gone past the DIP stage of your application, you can do this by selecting Amend Case and clicking through each of the screens to generate a new decision.

When a DIP is declined due to the property, you can appeal the decision by completing the DIP Property Decline Appeal Form (PDF, 524KB).

Managing your application

If your case is a DIP refer, wait for a 'Subjective Accept' before submitting the case to FMA. Make sure the initial DIP data is keyed accurately and upload all requested documents when you submit the case to FMA. This will help avoid unnecessary delays during the application process.

You can reserve a product in NFI Online for 90 days. If rates change during this time, we'll honour the rate that you reserved.