When you launch from myCRM, the Streamlined Refinance Loanapp record will be established, populated with your myCRM opportunity data.

The first page in Loanapp is the Setup Page - this is where you enter all the high-level detail about the application, and also add in your Applicants. On the side is a menu which allows you to click through to other sections in the application:

On the setup you also have "Attributes" - which if toggled to YES, will conditionally update the Loanapp requirements for that type of application. For now, you don't need to update these toggles, but when Streamlined Refinance supports SMSF, Non-Res and Expat (coming soon) - you will be able to nominate these types of applications:

A key section in the Setup is your Applicants section, where you add your applicants. These should have been established when you launched from myCRM - but if you need to add applicants, click the ADD button and you will be able to add Person, Company or Trust Applicants.

As you add applicants, you will find that your side menu expands with new pages for each:

When you have completed your Setup page, click through to the Applicants Page, which captures all the relevant Applicant details such as DOB, Contact details, Residency Status, Employment, Proof of ID:

The Zeus Loanapp has some digital services built into it, which you can use when creating your application submission. The digital services that are available are:

Note that you can continue working on your application while waiting for your Applicants to complete any digital services.

The Digital Consent is a convenient method for your applicant/s to confirm their Privacy consent for the sharing of their data in order for Zeus to fulfil assessment activities.

The Digital Consent widget is found on the Applicants page, and will be triggered when you have completed all the Applicants personal details, and you click away from the Applicants page (eg continue to the Financial Position page):

For a full run through for Digital Consent workflow and what your Applicants can expect, please click here.

When your applicant's have completed the digital consent, you will be notified by email; and the status on screen will update to Completed.

The Digital Verification of Identity is a service that you can use in the Zeus Loanapp to verify your Applicant's identity.

The Digital ID Verification widget is found at the bottom of the Applicants page. This service will automatically be sent to your Applicant/s when they have finalised the Digital Consent. (You will get an email when they have completed the consent).

Once you have requested the service, the Widget will send the request to your applicant/s. For a full run through of the Digital Verification of Identity Service, the experience for your Applicant/s, and what happens in Loanapp, click here.

When you have completed your Applicant details, you are able to then complete their Financial Position.

Note that for the Streamlined Refinance, you are not required to complete the Living Expenses section.

The Zeus Loanapp incorporates a Credit Bureau check, which happens 'behind the scenes' as soon as your applicants have completed their digital consent:

Once completed, you will have access to the Bureau report by clicking the details button in the digital widget:

Your security property will have populated from the Financial Position, with the transaction type of "owns existing mortgage". You are able to click open the record to view/edit the detail if you need to:

The Zeus Loanapp allows you to order a valuation for your security property. The valuation service has logic that will determine if the security property can be valued via an AVM (instant) or require a desktop/full valuation.

The Valuation service is found on the Loan screen, below where you have filled in the details of your Security property (which will have populated from your Financial Position):

When the Valuation is completed, the Valuation report will be sent to supporting documents, ready for you to view/attach to the supporting docs checklist.

For a run through of the Valuation ordering service in Loanapp, click here.

Loanapp is powered by a Products Engine that can be updated at any time by Zeus. This means that the Products, Rates, Fees and product features will always be correct in Loanapp.

You will select your Product (or Products) in the Loan section:

Note that Loanapp has some great functionality that filters the products so that they match the data that you have entered into the application. eg if you select Interest Type: Variable and Payment Type: P&I - you will only get product variations with these features.

The Loan Fees for each product will be set by Zeus, and come through to the interface. You will note the amounts are set to $0:

This allows you to update with actual known Fees. If any are not required (eg LMI) - you can delete the fee line altogether. If you don't know what the fee amount is, leave as $0 as Zeus will update.

The Streamlined Refinance journey runs policy rules, rather than serviceability, to ensure that your applicant is eligible. (eg new loan amount is =< existing loan amount).

If you pass the eligibility, you are looking very good for full approval 😁

The Compliance section is a set of 'interview' questions that capture more information about your Applicant/s understanding of their application, preferences, retirement plans and other important compliance details.

Note that most of this section is mandatory and must be completed in order to submit.

The Summary Page captures all of your application data on one page for quick review. If you notice anything that needs to be updated, an edit button on each section clicks you back through to the relevant area so that you can update the detail:

The next section will present to you any Application or Print Forms that are available to generate for your application. Print Forms can have conditional logic set on them so that they only appear when required. When you first get to this page, the documents will be listed but not yet generated:

You are able to generate and download each of these forms by clicking the Generate Documents button, which will generate the documents and make them available to view and download.

You can then either use eSign for your applications to digitally sign the forms, or get wet signatures. For more detail on eSign, click here.

The final section is the Submission section. You will note at the bottom of the page 2 action buttons: Generate Documents Checklist and Proceed (submit).

Zeus requires you to generate and finalise your supporting documents checklist before Submitting your app.

Click the first button, "Generate Document Checklist".

This button will generate your supporting documents checklist on a new tab. The supporting documents checklist will be on the left, and you will upload your documents on the right, to then drag across to the checklist items on the left:

You must attach documents to at least all the mandatory supporting documents requirements.

For a full run through of the supporting documents functionality, please click here.

When you are ready (completed the application and attached all your supporting docs) - you can submit the application to Zeus.

Note that if you have not at least attached and satisfied all the mandatory supporting documents, you will not be able to finalise the Submit.

When you have satisfied the supporting documents requirements and press the submit button, Loanapp will package up your application and submit it into Zeus assessment queue, and you will see the final page in Loanapp that confirms successful submission:

If you need help while you are working on your Loanapp, remember you are able to click Live Chat to get help at any time by clicking the button the bottom right corner