The canonical lending questions

Most lending outcomes are shaped by a small set of recurring structural questions — often long before a property is chosen or a loan is discussed. Model Mortgages documents those questions and explains the assessment frameworks behind them.

Browse by real decision stage

• Should I buy or borrow at all?
• What am I actually able to buy?
• Can I borrow for this structure or scenario?
• How does this affect long-term wealth and flexibility?
• What could prevent settlement or completion?

These five stages form the underlying decision structure

used throughout Structur and the wider platform.

What this site is

Model Mortgages is a national reference library explaining how lending decisions are assessed in Australia.

It focuses on:

• assessment frameworks
• policy interpretation
• structure and sequencing
• timing and long-term risk

Pages are designed to stand alone, so specific questions can be understood without marketing or product bias.

What this site is not

Model Mortgages does not:

• recommend lenders or products
• compare rates or loan options
• assess personal eligibility
• replace licensed financial advice

This site explains the lending system itself. Applying that understanding to a real situation is a separate step.

How lending decisions are actually made

Lenders do not ask:

“Can this person afford the loan today?”

They ask:

“Can this loan be repaid over time,

under stress, and in line with policy?”

To answer that, multiple areas are assessed together:

• income treatment and stability
• existing debts and commitments
• deposit or equity position
• security quality and property risk
• borrower profile and history
• policy settings at the time of assessment

Strength in one area does not override weakness in another.

From questions to decisions

Understanding lending mechanics is only the first step. Structur was created to map how those same assessment frameworks

interact with a real borrower position before advice or application. This creates a clear pathway:

Canonical questions → Assessment logic → Borrower structure → Safe execution

That sequence forms the foundation of the platform.

→ See your position first

→ Start Structur

Three lending domains

Model Mortgages documents lending across:

Home lending

Borrowing capacity, deposits, ownership structure,

policy variation, sequencing, and long-term risk.

Equipment finance

Asset risk, business cash flow, tax structure,

lifecycle strategy, and approval policy.

Business & commercial lending

Cash-flow servicing, collateral, entity structure,

growth funding, and bank risk behaviour.

Together, these form a complete lending knowledge graph

supporting Structur’s decision engine and national authority layer.

How to use this site

• Start with the question blocking you
• Read only the pages that apply
• Ignore everything else
• Use Structur when you want clarity about your own position

This site exists to make lending outcomes understandable before decisions are made.

Applying this in practice

Model Mortgages provides general information only and does not offer personal advice or recommendations. When someone is ready to apply lending logic safely, they may choose to work with a licensed professional using their Structure Map as context.

Authorship

Model Mortgages is authored by an Australian Credit Licence holder and reflects real-world lending assessment frameworks used across residential, business, and asset finance. Full professional biography → Virginia Graham Riches

Model Mortgages

A reference site explaining how lending decisions actually work in Australia — across structure, policy, risk, and timing.

Part of a national structure-first lending platform connecting education, decision clarity, and licensed execution.