Practical residential lending information
Home loan and finance guides
Clear, useful information for borrowers preparing for residential lending, commercial property finance or a business loan conversation.
Residential lending
Home loan guides and checklists
Understand common documents, decisions and process steps without assuming that one lending pathway is right for everyone.
Home loan application checklist
Organise identification, income evidence, statements, property information and other common application documents.
View the home loan checklist 02First home buyer guide
Understand deposits, purchasing costs, pre-approval, contracts, documents and the usual home loan application journey.
Read the first home buyer guide 03Refinancing guide
Review the existing loan, likely costs, available equity, documents and the broader outcome before changing lenders or loan structure.
Read the refinancing guide 04Investment property loan guide
Prepare for an investment lending discussion by considering purpose, borrowing position, cash flow, property information and future plans.
Read the investment property loan guide 05Home loan pre-approval guide
Learn what pre-approval can indicate, what it does not guarantee and which changes may affect an assessment before purchase.
Read the pre-approval guide 06Borrowing capacity guide
Understand how income, expenses, liabilities, dependants, loan settings and lender policies can shape borrowing capacity.
Explore borrowing capacity factors 07Offset account and redraw guide
Compare how offset accounts and redraw facilities generally work, including access, fees and record-keeping considerations.
Compare offset and redraw 08Lenders mortgage insurance guide
Understand who lenders mortgage insurance protects, why it may apply and which costs and alternatives need careful review.
Understand lenders mortgage insurance 09Construction loan guide
Learn how construction lending, progress payments, valuations and builder documentation generally work.
Read the construction loan guide 10Guarantor home loan guide
Understand guarantees, security, lender assessment and the responsibilities for borrowers and guarantors.
Read the guarantor loan guide 11Self-employed home loan guide
Prepare for the different income, structure and documentation questions lenders may ask self-employed borrowers.
Read the self-employed guide 12Home loan deposit guide
Compare deposits, genuine savings, purchase costs, LMI, guarantees and funds required to complete.
Read the deposit guide 13Using equity to buy property
Understand usable equity, valuations, LVR, serviceability and the risks of increasing property debt.
Read the equity guide 14Fixed vs variable home loans
Compare repayment certainty, flexibility, split loans, offsets, redraw and fixed-rate break costs.
Compare loan structuresCommercial finance
Commercial property lending
Understand the property, lease, valuation and borrower information commonly discussed for commercial finance.
Commercial property finance guide
Prepare for owner-occupied or investment commercial property finance by clarifying the asset, borrower, lease, security and transaction.
Read the commercial property guide 16Commercial property refinancing guide
Review valuation, commercial LVR, leases, serviceability, costs and equity release when refinancing.
Read the commercial refinancing guideBusiness lending
Business finance preparation
These guides outline common preparation questions for business funding, acquisitions and working capital.
Business loan application guide
Organise the funding purpose, business financials, cash flow information, forecasts and supporting documents before applying.
Prepare a business loan application 18Business acquisition finance guide
Understand purchaser contribution, historical financials, goodwill, security, due diligence and serviceability.
Read the acquisition finance guide 19Working capital and cash flow finance
Explore funding for seasonal gaps, debtor cycles, inventory, suppliers and recurring operating needs.
Read the working capital guideUse the guides with context
Information is a starting point
Document requirements and suitable lending structures vary between borrowers and applications. For an overview of residential services, visit Home loans, refinancing and investment loan support.
These guides provide general information only. The right lending option depends on individual circumstances and may require appropriate financial, legal or tax advice.
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