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.


→ How Home Loans Are Assessed

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.


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.

Scroll to Top