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Surprises at Settlement

By the Mortgagefy Team · Published 29 April 2026 · Last reviewed 29 April 2026

Finance delays are the number one cause of settlement problems. When you refer clients to us early, we lock in unconditional approval well before the date — and we keep you updated at every milestone.

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Why Finance Delays Happen — and How We Stop Them

Most settlement delays trace back to a finance issue that could have been caught weeks earlier.

Client Goes Directly to Bank

Banks are slow to process and don't proactively chase their own customers. A 4-week conditional approval sitting without movement becomes your settlement nightmare.

Income Not Verified Early

Self-employed clients often discover mid-process that the lender won't accept their income the way it's presented — killing timelines right when you're close to settlement.

Late Declines

Conditional approvals can still fall over on full assessment. We do a thorough pre-assessment before formal application, so declines are caught early — not at the 11th hour.

Our approach: Flag issues before they become your problem

We pre-assess clients thoroughly before submitting formal applications. If there's an issue — complex income, tight LVR, credit history — we identify the right lender up front, not after wasting 3 weeks with the wrong one. You receive milestone updates by default, so you always know where the finance stands relative to your settlement date.

Milestone Updates — You Stay in the Loop

With your client's consent, we send you a status update at each key stage.

1

Referral Received

We confirm receipt and initial assessment started within the same business day.

2

Pre-Approval Issued

Client has formal pre-approval in hand. You know they're financially cleared to exchange.

3

Unconditional Approval Received

Full approval confirmed. Loan documents are being prepared. Settlement is on track.

4

Loan Docs Signed & Settlement Booked

Client has signed loan documents. We coordinate settlement date with the lender to match your schedule.

✓

Settlement Completed

Funds confirmed. Settlement done. We notify you the moment it clears.

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Conveyancer Partner FAQs

Bank pre-approvals are often conditional and subject to further review at formal application. We can provide a second opinion at no cost — confirming whether the pre-approval is solid or flagging any risks before exchange. Many conveyancers refer clients to us specifically for this purpose, especially when the purchase involves complex income or a tight settlement timeline.

Yes, though outcomes depend on the client's individual situation and lender processing times. When a client is referred early with a tight timeline, we prioritise document collection, choose lenders with faster turnarounds, and flag any potential bottlenecks immediately. We recommend referring clients as early as possible — ideally before or shortly after exchange — to maximise the available time.

Yes — with the client's consent, we flag any material risks that could affect settlement timing as early as we identify them. Our goal is to give you the same visibility a good broker gives their own client. You should never be surprised at settlement by a finance issue we knew about earlier.

Call or text us directly on 0432 634 648 with the client's name, contact number, their settlement date, and any known issues. We'll contact them immediately and confirm back to you that we're engaged. In urgent situations, a 3-way call introduction is often the fastest path.

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