Mortgage Broker Guides
Practical walkthroughs of the documents, workflows, and scenarios Australian mortgage brokers handle every day. Written for brokers and credit assessors who want to cut rework and present cleaner files.
Document reading guides
Reading Payslips for Home Loan Applications
A practical guide to reading Australian payslips for mortgage applications. What to verify, what to cross check, and what to query.
Reading Bank Statements for Home Loan Applications
How to review Australian bank statements for mortgage applications. Salary credits, expense patterns, undisclosed liabilities, and red flags.
Reading Tax Returns for Self Employed Borrowers
A practical guide to reviewing Australian tax returns for mortgage applications. Key sections, add backs, and how to verify assessable income.
Reading ATO Notices of Assessment
How to review Australian Notices of Assessment for home loan applications. What the document confirms and how to spot outstanding ATO debts.
Reading Credit Reports for Mortgage Applications
A practical guide to reading Australian credit reports. Enquiries, defaults, repayment history information, and what lenders look for.
Reviewing Employment Letters for PAYG Applications
How to review employment letters for home loan applications. What a compliant letter contains and when a letter is required.
Reviewing Rental Statements for Investment Lending
How to review rental statements for investment property loan applications. What managing agents report and how to verify rental income.
Reviewing Superannuation Statements for Home Loans
How to review superannuation statements for home loan applications. When super balances matter and what lenders look for.
Reviewing Credit Card Statements for Home Loan Applications
How to review credit card statements for mortgage applications. What to check and when credit card conduct becomes a red flag.
Reviewing Existing Home Loan Statements
How to review existing home loan statements for refinance and top up applications. Balance, rate, repayment type, and redraw checks.
Reviewing Personal Loan Statements for Home Loan Applications
How to read personal loan statements for home loan applications. Balance, repayment, end date, and consolidation checks.
Reviewing Business Activity Statements
How to read BAS documents for self employed home loan applications. Turnover trends, GST remittance, and cash flow signals.
Reviewing Profit and Loss Statements for Self Employed Borrowers
How to read profit and loss statements for self employed home loan applications. Revenue, expenses, add backs, and interim financials.
Verifying Identity Documents on Mortgage Applications
How to verify driver licences and identity documents on Australian mortgage applications. VOI requirements and common issues.
Reviewing Council Rates Notices for Refinance Files
How to read council rates notices for refinance and equity release applications. Ownership, rates arrears, and property details.
Broker workflow guides
Processing Joint Home Loan Applications
A practical workflow for processing joint home loan applications. Name reconciliation, document allocation, and combined income strategies.
Verifying Self Employed Income for Home Loan Applications
A workflow for verifying self employed income on mortgage files. Documents to collect, structures to understand, and assessments to run.
Calculating Casual Employee Income for Home Loan Applications
A practical method for calculating casual employee income for Australian home loans. Annualisation methods, tenure requirements, and lender policies.
Handling Multiple Employer Income in Mortgage Applications
How to handle borrowers with income from multiple employers. Consolidation rules, lender treatment, and documentation tips.
Annualising Year to Date Income Accurately
A practical method for annualising year to date income on payslips. Pay cycle calculations, financial year timing, and common pitfalls.
Spotting Income Discrepancies Before Submission
A practical guide to catching income discrepancies on mortgage files. Cross checks between payslips, bank statements, and tax returns.
Flagging Red Flag Transactions on Bank Statements
How to identify red flag transactions on Australian bank statements before submitting a home loan application.
Redacting Tax File Numbers on Mortgage Documents
How to redact tax file numbers from mortgage documents before sharing with lenders. Why TFN redaction matters and how to do it safely.
Preparing Submission Notes for Home Loan Applications
How to prepare clean submission notes for Australian home loan applications. Structure, tone, and the information assessors need.
Matching Documents to Applicants on Joint Files
A workflow for reconciling applicant names across documents on joint mortgage applications. Avoid misallocating income and liabilities.
Identifying Undisclosed Liabilities Before Submission
How to identify undisclosed liabilities on Australian home loan applications. Cross checks between credit reports and bank statements.
Assessing Rental Income for Investment Lending
How to assess rental income for Australian investment property loans. Shading, vacancy, and mid year rental timing.
Scenario assessments
Assessing a First Home Buyer Application
A practical approach to assessing first home buyer applications in Australia. Genuine savings, grants, and LMI considerations.
Assessing an Investment Property Application
How to assess an investment property loan application. Rental income, existing portfolio review, and investor specific policy.
Assessing a Refinance Application
How to assess a refinance application in Australia. Reasons to refinance, break costs, and funds to complete calculations.
Assessing a Construction Loan Application
How to assess a construction loan application in Australia. Fixed price building contracts, progress payments, and valuation considerations.
Assessing a Guarantor Loan Application
How to assess a guarantor loan application in Australia. Family pledge structures, guarantor suitability, and release planning.
Assessing a Low Doc Loan Application
How to assess a low doc loan application in Australia. Alternative income verification, accountant declarations, and lender policy.
Assessing a Bridging Loan Application
How to assess a bridging loan application in Australia. Peak debt, end debt, and sale timing considerations.
Assessing a Home Loan for Australian Expats
How to assess a home loan application for an Australian expat. Foreign income, currency shading, and lender specific expat policy.
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