One scenario, every lender on your panel.
Your panel, right now
Sample scenario · $640k @ 80% LVR · $167k income · rates as at 18 Oct 2026 · indicative only| Lender | Status | Rate | DTI | Max loan |
|---|---|---|---|---|
MOH Mortgage House Non-bank |
Pass | 6.14% | 3.8× | $768K |
ING ING Major |
Pass | 6.29% | 3.8× | $758K |
ATH Athena Non-bank |
Pass | 6.49% | 3.8× | $744K |
WBC Westpac Big four |
Pass | 6.24% | 3.8× | $742K |
CBA Commonwealth Bank Big four |
Pass | 6.34% | 3.8× | $735K |
ANZ ANZ Big four |
Pass | 6.64% | 3.8× | $735K |
Panel changes
18 Oct 2026 · all changes →Quick scenario
Computed by the app's engineMade for the way deals actually run.
51 lenders. One input.
Real rates, APRA buffers and DTI caps. Rates are refreshed from each lender's rate page (last 18 Oct 2026); nine lenders' policies are read from their own broker workbooks with a cell cited per figure, and the rest are marked draft or generic until they are.
DTI & NSR side by side.
Each lender's debt-to-income cap and net surplus in a single view. Caps come from the lender's own policy workbook where we have it — NAB and ANZ are verified with the cell cited, Westpac is marked draft until it is.
Variable, fixed or split — up to four tranches.
Model a split loan with its own rate, term and repayment type per tranche, or override any lender's rate to test a negotiated offer. Bridging, construction and company or trust borrowers are modelled too. P&I and interest-only both assessed at the lender's buffer.
Where it fits in a broker's day.
Enter the household once and see which of the 51 lenders service the new loan at their own buffer, HEM multiplier and income shading — with the lender's DTI shown next to the result.
Set the state and the property type and the funds to complete card builds deposit, transfer duty after first-home relief, LMI at each lender's LVR cap, registration fees and the grant.
Export the scenario straight into eight lenders' own Excel workbooks (ANZ's is macro-gated, so it downloads blank), send the client a read-only link, keep the audit pack, then jump to the broker portal from the 53-portal directory — the numbers you quoted are the numbers in the workbook you lodge.
Ready to check your next scenario?
Free while LendScope is in beta. No card required.