Situation
Salaried employee
Permanent full-time or part-time PAYG income, with payslips that match the bank statements.
What changes for you
- Income evidence is the simplest tier: payslips plus a year-to-date figure
- Probation periods matter — some lenders decline within probation, others do not
- Bonus, overtime and shift allowances are usually shaded, often to 80% and only with a two-year history
The one that derails this profile most often: Undisclosed buy-now-pay-later accounts and unused credit card limits. The limit counts against you, not the balance.
Lanes that usually apply
Most likely first. Read the lane page before the first conversation, not after.
First home loan
Your first owner-occupied purchase, where deposit size and government schemes usually decide more than the headline rate.
What decides it ›Refinance
Moving an existing loan to a different lender or a different product, where the switching cost decides whether it was worth it.
What decides it ›Investment property loan
Borrowing against a property you intend to rent out, where tax treatment and serviceability buffers behave differently from a home loan.
What decides it ›Car and personal loans
Short-term consumer borrowing where the term and the fees, not the headline rate, usually decide what it costs you.
What decides it ›Other situations
General information. How Australian lenders generally assess this profile. General information about how Australian lending is organised. Rules, thresholds and eligibility are set by government agencies and change; each lane links to the source so you can check the current position.