51 Australian mortgage lenders, one calculator.
LendScope runs every serviceability scenario against the 51 lenders below — every major, every subsidiary, the strongest regionals, and the largest non-bank specialists. Updated as policy changes.
Each new application is calculated independently against every lender on the panel. Every card shows the lender's headline variable rate, the date it was taken, and where its serviceability policy comes from — the lender's own broker workbook, a public guide, or the panel defaults (how verification works). Sign in to see assessment buffers, max LVR and shading policy, or jump straight into a free account to run a scenario against the full panel.
Policy verified to workbook — 9 lenders whose assessment floor, buffer, income shading and credit-card factor were read from the lender's own broker workbook, cell by cell. Draft (public guide) — 14 from public broker guides, not cell-checked. Panel defaults — 28 that publish nothing usable, so their overtime shading, HEM multiplier, rental shading and card factor are a panel default · median of 23 sourced lenders, 3 Sep 2026, not that lender's published policy. Rates are each lender's headline variable rate as at 3 Sep 2026. How verification works →
Broker channel closed — 3 lenders on the panel are not accepting new broker applications: Bank of Queensland (since Aug 2024), Heritage Bank (since Sep 2025), Virgin Money (since Sep 2023). Their cards are greyed and their figures are kept for comparison only.
Big four & majors 7
Major-bank subsidiaries 9
Regional & mutual 22
Non-bank & digital 13
How we use this panel
Every applicant scenario in LendScope is shaded through each lender's policy independently. The output is a ranked list: pass / refer / fail at the lender's assessment rate, with the max borrowing capacity at each one. Read the full explainer →
Missing a lender?
If your aggregator panel has a lender we don't yet cover, email hello@lendscope.com.au with the lender name and we'll add it to the queue. We typically add 1–2 new lenders per month.
Try LendScope against the full panel →
Lender data is maintained from public rate cards and broker-portal feeds; brokers remain responsible for verifying current policy under their ACL/Credit Rep authority before submission.