Four pathway types cover almost every deadline-era loan. Lender names stay off this site — broker guides are confidential — so what you see are anonymised types with indicative ranges as at 23 August 2026. Exact lender matching happens in the broker conversation.
Pathway
Full credit assessment against current policy, with the widest lender panel and the lowest indicative rate ranges.
from 6.89% p.a.
p.a. · as at 23 August 2026
Full income and serviceability assessment applies. Most lenders in this lane require a corporate trustee.
Pathway
Streamlined “easy refi” lanes: no serviceability reassessment and no income documents where conduct is clean.
from 6.94% p.a.
p.a. · as at 23 August 2026
Dollar-for-dollar only — the new repayment must be lower than the current one. Most lenders in this lane require a corporate trustee.
Pathway
For loans sitting above 80% of the property value — a smaller panel lends to 85–90% LVR on refinance.
from 7.49% p.a.
p.a. · as at 23 August 2026
Higher rates apply above 80% LVR, and corporate trustees only. Watch early-repayment fees on these products.
Pathway
Near-prime lanes that tolerate defaults, arrears history or discharged bankruptcy — priced for the risk.
from 7.99% p.a.
p.a. · as at 23 August 2026
Rates sit 1–2% above prime lanes and application fees are higher. Mortgage arrears right now narrows the panel further.
Residential ranges shown; commercial ranges differ and cap at 80% LVR. Indicative only — not an offer of credit.
The eligibility check matches your answers to pathway types in about two minutes — no credit check, and your answers stay in your browser until you choose to share them.
