The Canonical Decision Layer Of Australian Lending
Lending outcomes are often determined before borrowers realise a decision is already forming. A small set of recurring structural questions shapes approval, decline, borrowing limits, and timing across Australian lending — yet most borrowers never see these questions.
Begin with the structure behind your situation
Every lending outcome is shaped by a small number of structural decision factors.
Model Mortgages documents these factors so lending behaviour can be understood before advice, applications, or product selection occurs.
Choose the pathway that best matches how you want to explore lending decisions.
Start from your situation
Introduction
Each lending scenario encounters different structural limits, policy settings, and decision questions. Choose the environment closest to yours to understand what typically shapes real-world outcomes.
Environments
First home buyer →
Property investor →
Self-employed or business owner →
Doctor or high-income professional →
Expat or overseas income →
Equipment or vehicle finance →
Borrowing capacity →
Commercial or business property →
SMSF property purchase →
See your snapshot
Lending outcomes depend on the structure present when risk is assessed —
income, deposit, debts, ownership, and timing.
This position can be mapped privately before speaking with any lender or broker,
revealing realistic borrowing paths and potential constraints.
Map your snapshot → Structur
Understand the lending system
Model Mortgages explains the mechanics that determine lending outcomes across Australian residential, commercial, and asset finance.
Three pathways
The lending system
How credit assessment operates across Australia.
→ View the framework
Assessment pillars
Income, assets, security, borrower profile, and policy.
→ Explore the five pillars
Canonical lending questions
The recurring decision contexts that determine real-world outcomes.
→ Browse the canonical questions
What Model Mortgages is
Model Mortgages is a national reference library explaining how lending decisions are assessed in Australia.
It focuses on:
- assessment frameworks
- policy interpretation
- ownership and structure
- timing and long-term risk
Each page is written to explain a single lending concept clearly,
without marketing or product promotion.
From explanation to real-world help
Understanding lending mechanics is the first step. Applying that understanding to a real purchase, refinance, or finance decision
occurs separately with licensed professionals where appropriate.
- Residential & investment lending → Finance on the Coast
- Equipment & asset finance → Equipment Financing Australia
- Business & commercial lending → You Business Loans
All operate under Australian credit regulation and provide real-world lending assistance separate from this reference.
Authorship
Model Mortgages is authored by an Australian Credit Licence holder and reflects real-world lending assessment frameworks used across residential, commercial, and asset finance in Australia.
→ Author and professional background — Virginia Graham Riches
Model Mortgages
A national reference explaining how lending decisions actually work in Australia — across structure, policy, risk, and timing.