How home loan decisions are assessed
Home loan decisions are assessed using structured credit frameworks that consider income, deposits, security, ownership structure, policy settings, and timing.
This section explains how home loans are assessed, not which loan to choose.
Assessment mechanics for home loans
Home loan assessment applies the universal credit framework to residential property lending, with additional focus on serviceability models, deposit sources, and property acceptability.
Home loan lending scenarios
Different borrower situations interact with policy in different ways.
These pages explore how assessment logic is applied in common home loan scenarios.
- First Home Buyers
- Property Investors
- Rentvesting & Interstate Buying
- Australian Expats
- SMSF Property
- Luxury & Specialist Property
Home loan concepts & mechanics
Reference material covering rates, buffers, loan structures, and mechanics that apply across home loan types.
This section provides general information about how home loan assessments work. It does not provide personal advice or product recommendations.
