The Wave Money broker portal starts at the lender’s public broker portal page, where anyone can download its residential and commercial lending documents. The separate Broker Login link opens a sign-in screen for brokers who already hold Wave Money credentials. Use the public files to prepare a file, then rely on your accreditation and Broker Relationship Manager to submit it.
Open the Official Broker Portal
Open https://wavemoney.com.au/brokers/portal/ to begin. The page lists its downloads under two headings, “Residential Lending Documents & Tools” and “Commercial Lending Documents & Tools”. Each file opens without signing in.
The Broker Login link at the top of that page goes to a sign-in screen on the same wavemoney.com.au site. It asks for a user name and password. Sign in only with credentials Wave Money issued to you.
Check the domain before you enter a password. The Wave Money in this guide is an Australian non-bank lender based in Sydney, holding Australian credit licence 513760. It lends to residential and commercial borrowers through brokers. A mobile money and payments service called Wave Money operates in Myanmar on a different domain, so type wavemoney.com.au instead of trusting a search result.
Choose the Resources for the File
Choose the resource group by the security property and the loan’s purpose. Use the residential group for a home loan or residential investment loan. Use the commercial group when commercial, industrial, retail or warehousing property secures the loan, which is the acceptable commercial security in Wave Money’s product guide. When a scenario mixes both, settle the commercial and residential mortgage question before you choose forms.
Residential Lending Documents and Tools
| Resource | What it helps you prepare |
|---|---|
| Product & Policy Guide | The residential range of First Wave (Prime), Set Wave (Alt Doc and Alt Doc Plus) and Peak Wave (Specialist), plus the commercial product |
| Loan Application Form | The application itself, with a broker section and a borrower section |
| Loan Application Checklist | The income, expense, liability, identity and supporting documents to send with the form |
| Loan Servicing Calculator | The serviceability workings Wave Money asks you to include with the application |
| BAS Calculator | Alt doc income from the borrower’s lodged business activity statements |
| Accountant’s Declaration | One of the alt doc income options, signed and dated by the accountant |
| Applicant(s) Declaration of Financial Status | The alt doc borrower’s declaration, completed, signed, dated and witnessed |
| Post Code Categories | The location category of the security property’s postcode, which the guide’s pricing uses |
Commercial Lending Documents and Tools
The commercial group holds the same Product & Policy Guide and a Lease Doc Calculator. Use the Lease Doc Calculator when an existing lease on the security supports the income. The guide sets a minimum lease term of two years for that verification. Commercial income can also be verified under Wave Money’s full doc, alt doc and alt doc plus policies. The guide points commercial documentation back to the standard Loan Application Checklist.
What a Download Does Not Do
A downloaded form or a completed calculator is preparation only. Wave Money assesses every application against its lending criteria and credit policy. Nothing reaches its credit team until you send the application through the submission route below. The product guide is marked for accredited brokers only, so keep it out of the client’s hands.
Confirm Broker Authority and Submit
Wave Money accepts applications from accredited brokers, and downloading its public files does not give you that status. Start with the Become Accredited page. Complete its request form, then follow the SMS link Wave Money sends to verify your identity. Have your driver’s licence ready, because the page says the check takes about a minute.
For accreditation questions, contact the Broker Relationship Manager for your state through the relationship manager page. The product guide lists the same team for scenarios, assistance and accreditation. Wave Money’s broker service is on 1300 014 600 and brokers@wavemoney.com.au.
Once accredited, follow this order for a new file.
- Send the scenario details through the Submit a Scenario form, or talk the deal through with your Broker Relationship Manager.
- Complete the broker section of the Loan Application Form. Have the borrower section completed, signed and witnessed.
- Ask every applicant and guarantor to finish Wave Money’s identity verification through its OCR Labs SMS link.
- Gather the documents on the Loan Application Checklist, including the completed serviceability calculator and broker notes on the client’s requirements and proposed structure. Remove tax file numbers from tax returns first.
- Send the application to the credit inbox printed on the checklist, lending@wavemoney.com.au. Use another route only when Wave Money tells you to.
- Ask your Broker Relationship Manager to confirm that the credit team has the file.
Wave Money’s public broker pages describe no automatic acknowledgement. Keep the sent email and the written confirmation from Wave Money, with any reference it gives, on the client file.
Resolve Login and Receipt Problems
For a failed sign-in, use the “Lost your password?” link on the Broker Login screen to start a password reset on wavemoney.com.au. If no reset arrives, or the screen does not recognise your user name, call the broker service on 1300 014 600 or email brokers@wavemoney.com.au. Give your name, your brokerage and the user name you tried. Never send your password.
A login failure and an application with no confirmed receipt are different problems. Wave Money’s documented application route is the credit inbox, not the Broker Login screen. A sign-in fault therefore tells you nothing about whether a sent file arrived.
When you sent a file but have no confirmation, ask your Broker Relationship Manager to check with the credit team before you send it again. A second copy can create a duplicate application. Give them details that identify the file without exposing the client:
- the borrower’s surname and the security suburb
- the loan amount and lending group, residential or commercial
- the address you sent from and the day you sent it
- any reference Wave Money has already issued.
Leave tax file numbers, identity documents and bank statements out of that request. Once Wave Money confirms receipt, record the confirmation beside the sent email on the client file. If the scenario suits another lender on your panel instead, the broker portal guides cover each lender’s entry point.
