AI can't approve your loan. It can prepare the file.
This is not a borrowing-capacity calculator pretending to be a lender. It organises your income, debts, dependants, equity and documents into the file a broker actually needs — and flags the gaps before the first call, so the conversation is faster and the answers are sharper.
- 01Income type (PAYG / self-employed)
- 02PAYG income
- 03Self-employed income
- 04Dependants
- 05Living expenses
- 06Existing home loan repayments
- 07Credit card limits
- 08Car & personal loans
- 09HECS/HELP balance
- 10Existing rental income
- 11Existing investment debts
- 12Deposit / usable equity
- 13Target purchase price range
Borrowing capacity prep
Information checklist · documentation gaps · questions for your broker
You are helping an Australian property investor PREPARE the information a mortgage broker will need. You are NOT a lender and you do NOT estimate borrowing capacity, servicing or approval — only a broker can, against current lender policy. Your job is to organise the file and surface gaps and questions. MY SITUATION (fill in what you can): - Income type: [PAYG / self-employed / mix] - PAYG income (gross): [$] - Self-employed income (last 2 years if known): [$] - Dependants: [number] - Estimated monthly living expenses: [$] - Existing home loan repayments: [$ / month] - Credit card limits (total): [$] - Car / personal loans: [$ balance and repayment] - HECS/HELP balance: [$] - Existing rental income: [$ / year] - Existing investment loan debts: [$] - Deposit / usable equity available: [$] - Target purchase price range: [$] Return exactly these sections: ## 1. BROKER INFORMATION CHECKLIST The documents and figures a broker will typically ask for, marked as PROVIDED or MISSING based on what I gave you. ## 2. LIKELY DOCUMENTATION GAPS What is missing or unclear, and why a broker will need it. ## 3. ISSUES TO CLARIFY BEFORE THE CALL Anything in my situation that commonly needs explanation (self-employed income, recent job change, undisclosed debts, expenses). ## 4. QUESTIONS TO ASK YOUR BROKER Specific, structured questions based on my situation. ## 5. WHAT NOT TO RELY ON AI FOR A short, honest list of what only a broker/lender can determine. --- IMPORTANT: Preparation and education only. Not credit advice and not an assessment of borrowing capacity, servicing or approval. A licensed mortgage broker must assess this against current lender policy.
No AI tool can tell you what you can borrow. Lender policy, servicing buffers and income treatment change constantly and vary by lender. This prepares the inputs; the assessment is the broker's.
Numbers organised? The lending structure still needs a human.
AI can prepare the property summary, the assumptions and the risk questions. A credit specialist structures the actual deal — borrowing capacity, lender policy, income treatment, loan structure and the application strategy. Bring your prepared file when it's time.
These tools are for preparation and education only. They do not replace credit assessment, financial advice, tax advice, legal review or lender policy checks. Verify everything with qualified professionals. Finance on the Coast is a subdivision of Model Mortgages Pty Ltd (ABN 82 108 681 063), Australian Credit Licence 387460.