One scenario, every lender on your panel.

51 lenders on the panel — rates refreshed 3 Sep 2026. Free while LendScope is in beta.

How we verify → Get started →

Lenders on panel

7 majors · 22 regionals · 13 non-banks

Lowest variable rate

5.84%

Owner-occ P&I · as at 3 Sep 2026

Lender workbooks

Native Excel exports in the lender's own layout

Broker portals

One click from the result to lodgement

Your panel, right now

Sample scenario · $640k @ 80% LVR · $167k income · rates as at 3 Sep 2026 · indicative only

Variable Sorted by max loan

Lender	Status	Rate	DTI	Max loan
MOH Mortgage House Non-bank	Pass	5.89%	3.8×	$785K
ING ING Major	Pass	5.99%	3.8×	$778K
ATH Athena Non-bank	Pass	6.24%	3.8×	$761K
WBC Westpac Big four	Pass	5.99%	3.8×	$758K
CBA Commonwealth Bank Big four	Pass	6.09%	3.8×	$752K
ANZ ANZ Big four	Pass	6.39%	3.8×	$751K

+ 45 more lenders · 48 passing, 0 refer, 0 fail, 3 closed to brokers · computed by the app's engine Open in app →

Panel changes

4 Sep 2026 · all changes →

51 lenders

FMC

Firstmac policy updated

4 Sep 2026 · max LVR 95% → 90%

Policy

NAB

National Australia Bank policy updated

4 Sep 2026 · rental shading 80% → 90%

Policy

CBA

Commonwealth Bank policy updated

4 Sep 2026 · assessment floor 5.25% → 5.4%

Policy

Quick scenario

Computed by the app's engine

Owner occ.

Household income$167,000

Liabilities (monthly)$640

Property · deposit$800K · $160K

$790KMax borrowing power · La Trobe Financial

✓ 48 passing ⚠ 0 refer ↓ 5.84% lowest

Built around brokers

Made for the way deals actually run.

Real rates. Per-lender policy. One screen.

51 lenders. One input.

Real rates, APRA buffers and DTI caps. Rates are refreshed from each lender's rate page (last 3 Sep 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.

Big 4 Regionals Mutuals Non-bank Digital

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.

Westpac · draft7.0×

ANZ · verified7.5×

NAB · verified8.0×

This scenario3.8×

Per-lender Per-lender caps

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.

Lowest on panel5.84%

Lowest big four5.99%

Rate overrideyours

Per-tranche rates

In the deal

Where it fits in a broker's day.

Three common scenarios

Refinance

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.

↻

One input, every lender

Sort by max borrowing, surplus or funds to complete

First home buyer

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.

Cash at settlement, per lender

Duty scales and grants for all eight states and territories

Lodgement

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.

⇩

From result to lodgement

Native workbook exports, share links and the audit pack

Ready to check your next scenario?

Free while LendScope is in beta. No card required.

See the lender panel Get started →