Income evidence
Salary, overtime, bonus, commission, business income, rent, and board can need different evidence and may be treated differently.
How lenders may assess a mortgage.
Different lenders can apply different affordability models, income rules, expense assumptions, and credit policies. Understanding the categories helps you prepare better questions; it does not predict an approval.
Living costs
A lender may compare stated expenses with transaction history and its own minimum expense assumptions.
Debts and limits
Credit-card limits, overdrafts, BNPL, student loans, personal loans, and car finance can affect an affordability assessment.
Deposit and property
Deposit source, LVR, property type, intended use, and valuation evidence can all create different questions.
Timing and context
A recent job change, one-off transfer, business event, or old credit issue may need context rather than a simplistic label.
Compare questions, not promises.
Public MoreGage education uses conservative, standard, and flexible policy examples before naming banks. Any lender-specific information must be sourced, dated, maintained, and compliance-reviewed.
Learn what to ask a mortgage broker →