Loan Types & Mechanics

Different loan types are assessed differently depending on purpose, structure, and risk profile.

This section explains how common loan categories operate and how lenders assess them in practice.

These pages describe how loans work, not which loan is suitable.

Loan Types Covered

• Owner-Occupied Loans
• How lending for a primary residence is assessed and prioritised.
• Investment Loans
• How income, expenses, and risk differ for investment lending.
• Construction Loans
• How progress payments, valuation stages, and timing are assessed.
• Bridging Loans
• How short-term overlap lending is structured and constrained.
• Lines of Credit
• How revolving facilities are assessed and monitored.

How These Pages Fit Within the System

Loan mechanics interact with:

• Assessment Pillars (risk categories), and
• Cross-Cutting Concepts (rules that recur across loan types).

Understanding mechanics helps explain why similar borrowers receive different outcomes.

General information only. No personal advice is provided.