WhatsApp Templates · Loan & Mortgage Brokers
WhatsApp message templates for lending brokers
A lending broker typically uses six templates, five utility and one marketing. The utility set tracks the application, chases documents, announces sanction, confirms disbursal and reminds on EMI dates; the outbound offer of a fresh loan or balance transfer is marketing. Each stage is a step the borrower has already applied for, which is what keeps these messages utility.
Loan files stall when documents sit unsent and the customer has no idea where the file has reached. WhatsApp gives a running status the borrower can follow without calling, and lets the broker chase one missing paper at a time. A customer-initiated message opens a 24-hour window; broker-initiated updates after that need an approved template.
Application Status Update
UtilitySend it when: At each stage of a live application the borrower has already submitted.
Your {{1}} application {{2}} is at the {{3}} stage. We will update you when it moves to the next step.Pending Documents Request
UtilitySend it when: When the lender is waiting on papers to proceed with underwriting.
To take your application forward we still need {{1}}. Please share by {{2}} so processing is not delayed.Sanction Confirmation
UtilitySend it when: When the lender issues a sanction letter with amount and rate.
Good news, {{1}}. Your loan of {{2}} is sanctioned at {{3}}. We will send the agreement details next.Disbursal Notice
UtilitySend it when: When funds are being released and the borrower needs to know the date.
Your loan for {{1}} is scheduled for disbursal on {{2}}. Ensure the account details are current.EMI Due Reminder
UtilitySend it when: Before a monthly instalment date on a running loan.
Your EMI of {{1}} is due on {{2}}. Reply if you would like the deduction details or a statement.Balance Transfer Offer
MarketingSend it when: To past applicants when a lower rate or a top-up is available.
{{1}}, rates have moved since your last loan. Reply if you would like us to check whether a switch saves you money.How the category changes what you pay
- Every template is submitted under one category, and Meta assigns the final one in review. A utility template that reads like a promotion can be reclassified as marketing, which changes both the rate and the opt-in requirement.
- Since 1 October 2026, service messages are charged per delivered message after the first 1,000 free service messages per business phone number per month. The allowance does not roll over and there are no volume tiers.
- Inbound messages are free, and a customer-initiated message opens the 24-hour customer service window. Anything you start outside that window needs an approved template.
Loan & Mortgage Brokers on WhatsApp: common questions
Send these from your own number, with a team behind it
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