The Canonical Decision Framework Of Australian Lending
Over time, lending assessment has become more complex — not less. Borrowers now have access to calculators, commentary, AI summaries, and comparison tools.
What remains less visible is how credit decisions are actually formed once a file reaches formal assessment.
Lending decisions are layered.
Income recognition.
Living expenses.
Existing liabilities.
Equity and deposit position.
Security risk.
Ownership structure.
Policy interpretation.
Timing.
These layers interact.
Two borrowers with similar income and deposit can experience very different outcomes depending on how those layers are interpreted within policy.
Model Mortgages is structured around those recurring decision layers.
Why This Framework Matters
Most people encounter lending structure only when an application is already underway.
At that point, structural constraints are discovered reactively — not strategically.
Model Mortgages organises lending knowledge according to how assessment frameworks actually operate in Australia.
Not by lender.
Not by product.
Not by rate.
But by decision layer.
This framework exists so that assessment logic can be understood before commitment.
Three Ways To Navigate The Framework
The Lending System
A structured overview of how credit assessment operates across Australia.
Assessment Pillars
The five core domains that influence risk evaluation.
Canonical Questions
The recurring structural questions that shape real-world lending assessment.
A Private Starting Point
Understanding the framework is one layer.
Mapping your own position within it is another.
Structur provides a private structural snapshot of how the assessment pillars may apply to you — income, deposit, liabilities, security, timing, and policy sensitivity.
Not an application.
Not advice.
A structural map.
See your private snapshot → Structur
Lending Framework Across Borrower Contexts
Structural assessment behaves differently depending on borrower environment.
Explore how the framework typically operates across:
- First home buyer
- Property investor
- Self-employed or business owner
- Doctor or high-income professional
- Expat or overseas income
- Equipment or vehicle finance
- Commercial or business property
- SMSF property purchase
Each environment encounters different policy settings, structural limits, and timing considerations.
What Model Mortgages Is
Model Mortgages is a national reference framework explaining how lending assessment operates in Australia.
It focuses on:
- structural credit logic
- policy interaction
- ownership and entity considerations
- timing and risk layering
- assessment sensitivity across contexts
Each page addresses a single lending concept within its structural and regulatory context.
This is general information only.
It does not provide personal credit advice.
From Framework To Implementation
Understanding assessment structure is the first step.
Execution occurs separately through licensed professionals operating under Australian credit regulation.
Specialist lending pathways include:
- Property Lending Australia
- Medical Finance Australia
- Mining Finance Australia
- Expat Finance Australia
- Commercial Finance Australia
- Equipment Financing Australia
Local relationship support may also be provided through Finance on the Coast.
Education.
Structure.
Execution.
Intentionally separated.
Authorship
Model Mortgages is authored by an Australian Credit Licence holder and reflects real-world credit assessment frameworks applied across residential, commercial, and asset finance markets in Australia.
→ Author and professional background —