Upcoming residential affordability changes

On Thursday 30 July, we’re updating the household expenditure figures we use in our affordability calculations and decisioning systems.

Please use our affordability calculator to find out how much we could lend your clients.

Pipeline rules
All full mortgage applications (FMAs) submitted by 10pm on Wednesday 29 July won’t be affected by these changes.

Any FMAs submitted from 6am on Thursday 30 July will be assessed using our new lending policy.

If a material change is made to an existing application from 6am on Thursday 30 July, the case will be reassessed using our new lending policy.