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Choose the option closest to you:

First Home Buyers

Property Investors

Rentvesting / Buying Interstate

Australians Living or Working Overseas

SMSF Property

Luxury or Specialist Property

Business Owners & Company Directors

Doctors & Medical Professionals

Go to Framework

(How lenders assess income, debt, property, timing and policy.)

Go to Canonical Questions

(Clear explanations of common lending misunderstandings.)

Go to Structur Snapshot

(A short diagnostic. Not a loan application. No documents required.)

Model Mortgages is a reference library explaining how lending decisions are made in Australia.

You do not need to read everything.

Start where your situation feels closest.

Move across sections only as needed.

This site explains:

How income is assessed

How borrowing capacity is calculated

How existing debt affects outcomes

How property risk is treated

How sequencing and structure shape long-term results

Why outcomes change over time

Execution and personal advice are handled separately.

Model Mortgages provides general information only.

It does not:

Provide personal advice

Recommend lenders or products

Replace professional guidance

It exists to make lending decisions make sense before you encounter them.

Prefer to Talk It Through?

Some people use this site to understand the system.

Others prefer to speak with a broker once they understand their constraints.

Talk to a broker

Execution and advice are handled separately.