Fact Sheets

Plain-English explanations of common lending products and features

These fact sheets explain how specific loan products and features work.

They are designed to support understanding — not provide personal advice.

Home loan products

Loan features & flexibility

Deposits, guarantees & lender risk

Short-term & restructuring options

Important note

These fact sheets explain how products work, not whether they are suitable for you.

Many people read one or two, then return later or speak to a broker.

Start Here (if you’re not sure which apply)

Part of the Model Mortgages Lending Framework

This page forms part of the Model Mortgages structured reference framework explaining how Australian lenders commonly assess income, expenses, assets, security risk and policy sensitivity under Australian credit policy settings.

The information provided is general educational information only and does not constitute credit advice, financial advice, legal advice or a recommendation.

It has been prepared without considering any individual’s objectives, financial situation or needs and must not be relied upon when making borrowing, investment or financial decisions.

Lending policies and outcomes vary between lenders and individual circumstances.

Model Mortgages Pty Ltd operates under Australian Credit Licence 387460.

Continue exploring the framework:

→ Explore the Five Assessment Pillars

→ Browse Canonical Lending Questions

→ Begin at Start Here

General educational information only. Personal credit assistance is provided only through separate authorised engagement with Model Mortgages Pty Ltd.