Lending Assessment Workspace
Scenario Structure Planner
Input your financial profiles below to instantly trace the delta between standard bank algorithms and Model Mortgages optimized policies.
Borrower Profile
Annual Gross Base Salary:$130,000
Bonus, Commissions or Overtime:$20,000
Credit Cards Combined Limit:$10,000
Declared Monthly General Expenses:$3,100/mo
$750,000
$120,000
Structural Servicing Audit
Underwriting Servicing Delta
First Home Module Active
1. Traditional Bank Routing
Counted Annual Income:$146,000
Assessed living costs/Liabilities:-$4,040/mo
Estimated max borrow capacity:$542,800
2. Model Mortgages Structure
Counted Annual Income:$150,000
Assessed living costs/Liabilities:-$3,290/mo
Optimized max borrow capacity:$713,750
Net Borrowing Resource Gain:+$170,950 (31% Capacity Gain)
Optimized via base-rate recognition exceptions, card liability minimization, and removing artificial floor overlaps.
Equity & Collateral LVR Check
Required Bank Loan Ratio:16.0% LVRDeposit covers 84.0%
LMI Risk Trigger Point:LMI ChargedLVR exceeds 80%
Estimated LMI Cost:$7,560Added to primary loan size
Diagnostic Case Recommendation
LVR exceeds 80%. We can configure parental guarantor options or first-home concession structures to bypass the $7,560 LMI charge entirely.
Need a Deeper Diagnostic?
Open StructurThis modeler illustrates the key lending mechanics. For a complete borrower diagnostic — mapping your full income, liabilities, security, and lender policy position — continue to Structur.
Model Mortgages explains the mechanics. Structur helps map the full borrower position.