The finder
Three questions, then the reading list
Tell it what you are trying to do, where your income comes from, and how far along you are. It returns one of seven lanes, the questions that decide your outcome inside it, and what shifts because of how you earn. The whole decision table is published in the page source and runs in your browser, so you can read exactly why it answered the way it did.
What you get, and what to do with it
What it returns
- One of seven lanes, matched to your purpose and income source
- The two questions that settle that lane before anything else
- The assessment differences that come from how you earn
- A link to the government source that owns the rule
What to do next
- Read the lane page end to end, including the evidence list
- Read your income situation page — it overrides parts of the lane
- Open the official links and confirm the current thresholds
- Take those questions into your first conversation with a licensed provider
General information. General information about how Australian lending is organised. Rules, thresholds and eligibility are set by government agencies and change; each lane links to the source so you can check the current position. A result here is a reading suggestion. Decisions about a specific loan belong with a licensed lender or credit assistance provider who has seen your circumstances.
Decision table last reviewed 17 August 2026.