What this site is
Model Mortgages is a reference knowledge base created to explain how Australian lending decisions are actually assessed.
Most public loan information is simplified or written for marketing.
This platform explains the real assessment logic behind lending decisions.
Specifically, it explains:
- How income is treated
- (PAYG, self-employed, overtime, bonuses, allowances)
- How expenses and liabilities are assessed
- How risk is interpreted
- (credit history, LVR, security, purpose)
- How structure changes outcomes
- (entities, trusts, business lending, SMSF contexts)
Start Here (5-minute guides by situation)
Buying a Home
How serviceability, deposits and common pitfalls are assessed.
→ /home-loans/start
Doctors & Medical Professionals
How variable income and complex trust structures are assessed.
Truck Drivers
How variable income, allowances and novated leases are assessed.
Self- Employed
How business income, add-backs and financials are assessed.
Accounting, IT and other Professionals
How LMI treatment and profession-based policy differences are assessed.
Commercial Property & High Value Properties
How postcodes, rental income and commercial security are assessed.
What This Platform Covers:
• How lenders assess income, expenses & risk
• Why outcomes vary between lenders
• Credit policy & approval factors
• Structure of home loans & equipment finance
Written for borrowers, business owners and professionals who need accurate lending context.
This platform explains how the system works. It does not provide personal lending advice.
Important Information:
All information on this site is general and educational only.
It does not take individual circumstances into account.
Lending advice is provided only after a full assessment, in accordance with licensing and responsible lending obligations.
About the Author
By Virginia Graham, author of Flirting with Finance
& lending industry veteran.
Flirting with Finance explains where home loans sit within the broader financial system — including inflation, interest rates and economic cycles.
Model Mortgages explains how home loans are assessed in practice.