What this site is
Model Mortgages is a reference knowledge base created to explain how Australian lending decisions are actually assessed.
Most public loan information is simplified, generic, or written for marketing purposes. This platform explains the real assessment logic used by lenders.
Specifically, it explains:
- How income is treated
- (PAYG, self-employed, overtime, bonuses, allowances)
- How expenses and liabilities are assessed
- How risk is interpreted
- (credit history, LVR, security, loan purpose)
- How structure changes outcomes
- (entities, trusts, business lending, SMSF contexts)
This content is educational and explanatory. It does not provide personal lending advice.
Short Guides by Lending Context
5-minute explanations to help you understand how lending is assessed in practice
Buying a Home
How serviceability, deposits and common pitfalls are assessed.
→ /home-loans/start
Doctors & Medical Professionals
How variable income and complex trust structures are assessed.
Truck Drivers
How variable income, allowances and novated leases are assessed.
Self- Employed
How business income, add-backs and financials are assessed.
Accounting, IT and other Professionals
How LMI treatment and profession-based policy differences are assessed.
Commercial Property & High Value Properties
How postcodes, rental income and commercial security are assessed.
What This Platform Covers
- How lenders assess income, expenses and risk
- Why outcomes vary between lenders
- Credit policy and approval factors
- Loan and structure considerations across home loans and equipment finance
Written for borrowers, business owners and professionals who need accurate lending context.
This platform explains how the system works.
It does not provide personal lending advice.
Written for borrowers, business owners and professionals who need accurate lending context.
This platform explains how the system works. It does not provide personal lending advice.
Important Information:
All information on this site is general and educational only.
It does not take individual circumstances into account.
Personal lending advice is provided only after a full assessment, in accordance with licensing and responsible lending obligations.
About the Author
By Virginia Graham, author of Flirting with Finance and lending industry veteran.
Flirting with Finance explains where home loans sit within the broader financial system — including inflation, interest rates and economic cycles.
Model Mortgages explains how home loans are assessed in practice.