The Heartland broker portal for Australian brokers is the Heartland Bank Australia reverse mortgage broker hub. It splits broker access in two. The broker sign-in under “Login to submit your applications online” is where you submit a new reverse mortgage application. The lending system login opens files for your current Heartland clients. Accreditation comes first, and broker support answers on 1300 662 865.
Choose the Australian Broker Entry
Start at the broker hub on heartlandbank.com.au. It describes itself as the place for everything about being an accredited Heartland Reverse Mortgage broker. The site belongs to Heartland Bank Australia Limited, which lists a Melbourne address and Australian Credit Licence 245606. Heartland also operates in New Zealand through a separate website, so use this Australian hub for an Australian client.
Pick the entry by the job in front of you:
- For a new client, sign in with your broker email and password under “Login to submit your applications online” on the hub. If you have forgotten the password, use “Forgot your password” beside the form.
- For a matter already with Heartland, whether a submitted application or a settled loan, use “Log in” under “Lending system”. It opens Heartland’s lending system, which sits on a seniorsfinance.net address.
The two internet banking logins on the hub are for customers. Reverse Mortgage Internet Banking serves borrowers with a reverse mortgage, and Heartland Bank Internet Banking serves term deposit holders. The “Apply now” link in the hub’s top menu opens Heartland’s digital application for borrowers, not the broker sign-in. None of these opens a broker’s application or client file.
Complete Accreditation Before Applying
Heartland asks you to complete your broker agreement and accreditation before you submit a client loan application. Its application tools page states this before any of its documents.
Request the onboarding information from Heartland’s Accreditation and Referrals page, or call broker support on 1300 662 865. Heartland asks you to confirm whether your aggregator already has a distribution agreement with Heartland before you complete any paperwork. A broker who only wants to refer a client can use the referral form and referral services agreement on the application documents page instead.
Before an assistant or support staff member works on Heartland files, confirm with Heartland broker support what access they can hold and under whose accreditation. Never assume your login or accreditation covers everyone in the office, and never share your own credentials.
Prepare a New Reverse-Mortgage Application
Prepare the application from Heartland’s current documents, then enter it through the hub:
- Open the application tools page and download the current product summary, product guide, credit guide and reverse mortgage information statement. The page lists the product guide, credit guide and information statement as essential documents for every client, with the lending fees and charges schedule. The product summary sits above them under “Which product is most suitable?” and breaks down the loan options.
- Open the application documents page. Download the intermediary application form and the supporting information list.
- Compare the client’s file with that list. Each applicant needs a clear copy of valid ID. The property needs its latest rates notice and any body corporate or strata fees.
- Add the documents the loan purpose calls for. Examples are a contract of sale for a purchase, or statements for debts the loan will repay.
- Sign in under “Login to submit your applications online” on the broker hub and submit the application.
- Record the application reference or acknowledgement Heartland gives once it receives the application. Store it on the brokerage file before you move to the next client.
A loan option from the product summary is not an approval. Only Heartland’s credit decision approves the loan, so describe it to the client as an application in progress until that decision arrives.
Recover Access to an Existing File
Use the lending system login on the broker hub for a file already with Heartland. The hub describes it as access to Heartland’s lending system for information on your current Heartland clients. Submitting a new application through the broker sign-in is a different route.
When a matter is missing or sign-in fails, check three things in order:
- Market: the client’s loan is with Heartland Bank Australia. A New Zealand loan sits outside the Australian hub.
- System: Heartland’s lending system holds your submitted applications as well as settled, discharged and declined files, so look there for any matter already lodged with Heartland.
- Account authority: you are signing in with your own accredited login, and the matter was written under an accreditation you can access.
If all three check out, call Heartland broker support on 1300 662 865. Give the lender reference, the client’s name and the route you tried. Ask support to confirm which system holds the file and which login has authority over it.
Hand Off the Heartland File Clearly
Write a handoff note whenever a Heartland file moves between staff or waits on the lender. Include these items:
- Whether the file is a new application or a matter already lodged with Heartland
- The system used, either the broker sign-in or the lending system
- The lender reference or acknowledgement Heartland gave
- The evidence Heartland still needs
- The staff member responsible for the next contact with Heartland
Update your mortgage pipeline only after Heartland confirms the actual milestone. A submitted application, a document request or a sign-in to the lending system is activity on the file. A credit approval, a loan settlement or a payment is a separate record that needs its own confirmation from Heartland. Move the file to its next stage only when that confirmation is on the brokerage file.
