Once you have completed step 1, ‘The Form’ and step 2, ‘Selecting Lenders’ we are able to run a check to see if there are any potential issues that could prevent a lender from returning a loan amount. For example, you requested a term of 38 years in step 1 but the maximum you can select on a lenders calculator is 35, therefore it’s possible you will be unable to proceed with that lender. 

There are three types of warnings that could appear on the platform. The first two are based on the information we have learned about the lender’s calculator. 

We analyze each lender’s form and aim to replicate their own validation checks into our platform. 

Warning One: Hard Exceptions

Sometimes a lender will not allow us to make a selection, for example, a dropdown for a mortgage term that only allows us to select a maximum of 35 and therefore if you have chosen a term of 40 we physically cannot enter this value.

Warning Two: Soft Exceptions

Sometimes a lender will allow us to input a figure to a field, for example, 40 in the mortgage term box but when you click calculate it gives you a validation error that the maximum term is 35. For these instances, we still send and input 40 but we expect this to fail.

Warning Three: Criteria Hub Warnings

Criteria Hub warnings are based upon your inputs we have been able to check Criteria Hub intelligence and report any issues that might exist. These are just advisory and will not prevent the lender from returning a result but should be noted and factored into your advice.

Being able to view all these warnings before running the calculation means that if you see a lender who might be excluded that you would like to be included you can go back to the first step and make changes before clicking the calculate button.