›_mortgageOS
Serviceability and policy — in one pass.
Capacity, surplus, DTI and the lender policy check, together
Black Mountain Financial · Loan tools · Serviceability
›_mortgageOS
Daniel & Erin Smithneeds $760,000
Engine: All lenders (compare)
Pulled from the deal’s fact find
Assessed at each lender’s own rate, buffer and floor.
▶ Calculate capacity
Ranked by max borrowing · 🏆 Best on both: BankwestRequired: $760,000
LenderOutcomeAssessSurplus/moDTIMax borrowPolicy
BankwestPass8.95%+$1,9404.1$812,000✓ clear
MacquariePass9.10%+$1,5204.3$788,000✕ exception
CBATight9.24%+$3104.6$763,000✓ clear
WestpacShort9.30%−$4804.9$741,000—
ANZShort9.45%−$1,2105.2$702,000—
Bankwest — full assessment
Assess rate8.95%
Surplus /mo+$1,940
Max borrow$812k
DTI4.1
LVR74%
Net /mo$11,180
✓ policy clear · short-stay rental accepted · services with room
Macquarie — policy exception
Short-stay (holiday-let) rental income — not accepted under Macquarie policy. Services on paper, but needs a policy exception to proceed.
⚠Westpac · living expenses floored to the HEM benchmark
⚠ANZ · negative surplus at the assessment rate
illustrative — assessed via the BMF Serviceability Suite
⬇ Export Excel
▤ Generate report
✓ Save to deal