Skip to main content

Topic guide

Australian Lender Policy Guides for Mortgage Brokers

Choose an Australian lender policy guide by lender and scenario, then verify the current rule and escalation route in the detailed guide.

Published
Updated

Use these lender policy guides to choose the lender-specific information you need for an Australian mortgage scenario. Open the lender you’re considering from the guide list, then read the sections that match your client’s circumstances.

Choose a Lender Policy Guide

Start with the lender’s name, then narrow your policy question to the borrower, the security and the loan purpose. The guide list is organised by lender so you can compare the same question across your shortlist.

  • Choose the guide for the lender assessing the application. Keep each lender’s requirements separate when comparing possible options.
  • Match the borrower details to the policy question. For a self-employed client, focus on income evidence and trading history. For a client with credit issues, start with the guide’s credit-history information.
  • Identify the property offered as security. Its type and location help you find the relevant security requirements. Include the proposed loan amount and deposit when researching loan-to-value ratio, which compares the loan with the property’s value.
  • State the loan purpose. A purchase, refinance or construction scenario can lead you to different parts of the same lender guide. Specify whether the property is an owner-occupied home or an investment.

For example, a self-employed client refinancing an investment property needs the chosen lender’s income, security and refinance requirements considered together. Opening that lender’s guide keeps the research tied to one application.

For income questions, open the relevant ANZ or Westpac guide. When comparing National Australia Bank (NAB) with Commonwealth Bank of Australia (CBA), use the same borrower details in both guides.

A security question also needs a lender-specific answer. Compare the Bankwest, ING, Macquarie and Suncorp guides using the same property description if they’re on your shortlist.

For a refinance, start with your proposed lender’s guide, such as AMP Bank, Athena or Bank Australia. Use the Advantedge guide when that is the lender you’re researching.

If you’re researching credit history, keep the facts consistent across the Pepper Money, Liberty, Bluestone and RedZed guides. Opening these guides doesn’t establish that any lender accepts your client’s history.

For a construction enquiry, use the guide for the lender under consideration. The Brighten, Connective Home Loans, HSBC and ME Bank guides keep each enquiry tied to its lender.

Loan purpose also matters when reading the St.George, ubank, Virgin Money or Yard guide. State the purpose before applying information from a different type of application.

When comparing La Trobe Financial, Regional Australia Bank, Bank of China and Granite Home Loans, record which lender each answer belongs to. Keep a separate note of conditions that still need confirmation.

Apply the same method to Defence Bank, Police Bank, Police Credit Union, P&N Bank and Great Southern Bank. Choose the relevant guide from your lender shortlist, then ask the scenario-specific question.

Use the detailed guide to find the relevant rule and escalation route. Before relying on a changing threshold or exception, verify it against the lender’s current broker channel.

If your scenario needs an exception, seek confirmation from the lender’s credit team or business development manager (BDM). Keep the current policy wording and any scenario-specific confirmation with the file.

Explore this topic

Choose the guide you need

  1. ANZ Home Loan Lending Policy 2026

    Check ANZ home loan policy before placing an investor file, including deposit sources, negative gearing, interest-only limits and income rules.

  2. Westpac Home Loan Lending Policy 2026

    Check Westpac refinance and mortgage lending policy for income, loan purpose, construction, non-residents, property security and maximum LVR.

  3. NAB Home Loan and Mortgage Lending Policy 2026

    Before you submit a NAB home loan, match its lending policy to pre-approval, genuine savings, HECS, professional eligibility, security and LVR limits.

  4. Bankwest Home Loan Lending Policy 2026

    Will Bankwest accept this construction or self-employed file? Check its lending policy for income records, interest-only terms, security and exceptions.

  5. CommBank Mortgage Lending Policy 2026

    Check CommBank mortgage lending policy for income, commitments, deposit, property security and LVR, with dated sources for each borrower scenario.

  6. ING Home Loan Lending Policy 2026

    Check ING lending policy when a borrower uses gifted funds or seeks interest-only repayments, including declarations, credit and property limits.

  7. Macquarie Home Loan Lending Policy 2026

    Check Macquarie lending policy for a complex home-loan scenario, including income, residency, security, LVR and exception records.

  8. Pepper Home Loan Lending Policy 2026

    Considering Pepper Money for a bad-credit home loan? Its lending policy guide covers credit events, income verification, security and scenario disclosure.

  9. Liberty Home Loan Lending Policy 2026

    Will Liberty accept low-doc income or a bad-credit home-loan history? Check its lending policy for borrower records, property limits and LVR conditions.

  10. Suncorp Home Loan Lending Policy 2026

    Before lodging with Suncorp, verify the current banking rules. Suncorp lending policy covers genuine savings, income, property and maximum LVR.

  11. Advantedge Home Loan Lending Policy 2026

    Considering Advantedge home loans or an Edge product? Check the lender identity, borrower, income, deposit and property rules before recommending a route.

  12. AMP Home Loan Lending Policy 2026

    Before placing an AMP home loan, confirm current income evidence, deposit treatment, repayment options and property conditions for the file.

  13. Athena Home Loan Lending Policy 2026

    Is an Athena home loan suitable for this file? Verify borrower eligibility, usable income, refinance purpose and property rules first.

  14. Bank Australia Home Loan Lending Policy 2026

    Assessing a Bank Australia home loan? Confirm current deposit, income, property and evidence rules without relying on a general lender review.

  15. Bluestone Home Loan Lending Policy 2026

    For a complex Bluestone home loan or mortgage, verify current credit, income, document and security rules before presenting the scenario.

  16. Brighten Home Loan Lending Policy 2026

    Check Brighten home loans against the file's residency, income, deposit and property evidence before asking for a lender-specific answer.

  17. Connective Home Loans: Lending Policy 2026

    Placing a Connective Home Loans alt-doc file? Verify the actual lender, self-employed income evidence, security rules and submission path.

  18. HSBC Home Loan Lending Policy 2026

    Before recommending an HSBC home loan, confirm current residency, income and property evidence, plus offset eligibility and fees, for the exact scenario.

  19. ME Bank Home Loan Lending Policy 2026

    Preparing an ME Bank home loan file? Verify employment, deposit, repayment and property rules and the evidence required for the borrower.

  20. RedZed Home Loan Lending Policy 2026

    For a RedZed lending scenario, verify the current self-employed income path, document set, credit position and property conditions.

  21. St.George Home Loan Lending Policy 2026

    Compare a St.George home loan package or mortgage with the borrower's income, deposit, repayment and property rules before submission.

  22. ubank Home Loan Lending Policy 2026

    Considering ubank home loans? Verify the current borrower, income, deposit and property rules without turning the answer into a rate review.

  23. Virgin Money Home Loan Lending Policy 2026

    Check a Virgin Money home loan against current borrower, income, deposit and security rules before treating the brand as the policy owner.

  24. Yard Home Loan Lending Policy 2026

    Before presenting Yard home loans, verify the borrower's income, deposit, loan purpose and property evidence against current policy.

  25. La Trobe Financial Home Loan Lending Policy 2026

    Assess La Trobe Financial policy for construction or development finance through income, security, product and evidence questions before submission.

  26. Regional Australia Bank Home Loan Lending Policy 2026

    Assess a Regional Australia Bank home loan by checking current borrower, income, deposit, property and evidence rules before lodging the scenario.

  27. Bank of China Australia Home Loan Lending Policy 2026

    Assess a Bank of China home loan in Australia by verifying borrower, income, deposit, property and evidence rules from current local sources.

  28. Defence Bank Home Loan Lending Policy 2026

    Assess a Defence Bank home loan by checking membership, borrower evidence, deposit, property and lending rules separately from defence assistance.

  29. Police Bank Home Loan Lending Policy 2026

    Assess a Police Bank home loan by checking current membership, borrower income, deposit, property and evidence rules for the scenario.

  30. Police Credit Union Home Loan Lending Policy 2026

    Assess a Police Credit Union home loan by checking current membership, income, deposit, security and evidence rules from its own sources.

  31. P&N Bank Home Loan Lending Policy 2026

    Checking a Police and Nurses home loan? Use the current P&N Bank identity to verify borrower, deposit, property and evidence rules.

  32. Great Southern Bank Home Loan Policy 2026

    Searching for CUA home loan pre approval? Great Southern Bank is the current name; verify its application route, evidence and offset-account rules.

  33. Granite Home Loans Lending Policy 2026

    Assess Granite Home Loans, including SMSF scenarios, against current borrower, income, credit, deposit, property, LVR and evidence rules.

  34. BOQ Home Loan Lending Policy 2026

    Before you place a client with Bank of Queensland, check its home loan policy on income evidence, deposit and LVR limits, security and exceptions.

  35. RESIMAC Home Loan Lending Policy 2026

    Assessing Resimac home loans for a client? Check the residential product route, income evidence and security limits before recommending a loan.

  36. Mortgage House Home Loan Lending Policy 2026

    Placing a client with Mortgage House? Check the Mortgage House sole trader loan and self employed loan rules, low doc options, LVR limits and exceptions.

  37. People's Choice Home Loan Lending Policy 2026

    Lodging a People's Choice home loan? Check the lender's current income, deposit and security rules and how they shape the borrowing power you can quote.

Check the policy behind your next scenario

Ask Bulma a lender policy question and inspect the source behind the answer.
Try Bulma free