Why This Framework Matters

Most borrowers begin searching for answers after a lender has already formed a credit view.

By that stage, assessment logic has typically already been applied.

Australian lending outcomes are not primarily determined by interest rates or product comparison.

They are shaped by structured credit assessment frameworks.

Every lending decision reflects interaction between:

• Income recognition and serviceability

• Expense benchmarks and existing commitments

• Asset position and available equity

• Security valuation and collateral risk

• Borrower profile and policy sensitivity

Model Mortgages documents these recurring assessment layers before an application is submitted.

When structure is understood early, lending outcomes become more predictable.

The 5 Assessment Pillars of Australian Lending

All lending decisions ultimately map to five structural categories:

1. Income & Serviceability

How income is recognised, shaded, stabilised, or excluded.

2. Expenses & Commitments

Declared living costs, benchmarks, liabilities, and household structure.

3. Assets & Equity

Deposit composition, usable equity, liquidity, and balance sheet strength.

4. Security & Collateral Risk

Property type, location, marketability, valuation sensitivity, and policy overlays.

5. Borrower Profile & Policy Sensitivity

Employment type, entity structure, credit conduct, industry risk, and lender appetite.

Each pillar contains recurring decision patterns that determine outcomes.

[Explore the Five Pillars]

The Canonical Questions Lenders Always Ask

Across thousands of lending scenarios, the same structural questions repeat.

These questions have been grouped into ten canonical clusters:

• Income Recognition
• Living Cost Modelling
• Existing Debts
• Borrowing Capacity
• Deposit & Equity
• Credit Conduct
• Ownership Entities
• Security Risk
• Timing & Policy Changes
• Policy Sensitivity

Each cluster explains how lenders define risk, calculate buffers, and determine capacity.

[Browse Canonical Questions]

Start With Structure

If you are reviewing your position:

1. Begin at Start Here
2. Identify which pillar dominates your scenario
3. Review the relevant canonical cluster
4. Then complete a structured snapshot

Model Mortgages provides the framework.

Execution pathways sit separately.

[Start Structured Review]

A Structured Framework, Not a Comparison Site

Model Mortgages does not publish rates.

It does not rank lenders.

It does not offer instant approvals.

It explains structure.

When structure is clear, product selection becomes secondary.

Model Mortgages Pty Ltd

Australian Credit Licence 387460

Educational reference framework for Australian lending structure.