Lending, explained the way it is assessed.
A glossary that answers in one sentence first, the questions people ask before they call, six calculators that show their working, and six guides written new for this site. No rates are quoted. Read freely without submitting an enquiry; if you choose to start a review, we explain what information we collect and why.
Three ways in.
What does that word mean?
42 lending terms defined in one sentence and explained on their own page, grouped from home loans to development finance.
Open Questions and answersWhat do people ask first?
The questions a broker is asked before the first call, answered in writing, from how much can I borrow to how are you paid.
Open ToolsWhat are the numbers?
Borrowing power, repayments, refinance savings, stamp duty for every state, fixed rate ending and development feasibility, with the method on the page.
OpenSix guides, written new, current at September 2026.
Each written for the questions the archive has covered most, with the tools that run the numbers and the archive articles that go deeper. All guides.
Buying a first home in Victoria: deposit, schemes, duty and the loan.
Most first home buyers in Melbourne are not short of a plan; they are short of a clear account of which rules apply to them.
ReadGuide, 12 minute readRefinancing a home loan: when it pays, what it costs, and when to stay put.
Refinancing is a calculation, not a reflex.
ReadGuide, 13 minute readInvestment property loans: structure first, then the rate.
An investment loan is judged twice: by the lender when it is written and by you every year after.
ReadGuide, 12 minute readCommercial property finance: how a lender reads the asset, the lease and you.
A commercial property loan is assessed on the asset and the income it produces before it is assessed on you.
ReadGuide, 12 minute readSMSF property loans: the rules the fund must follow and the lender will check.
A fund borrows under rules that do not apply to any other borrower.
ReadGuide, 14 minute readDevelopment and construction finance: from a house build to a multi-unit project.
Building is funded in stages, against a plan, on a lender’s terms.
ReadScenarios, rates and the office.
What does an assessment look like?
Every illustrative scenario from the service pages in one index, 33 of them, with the figures and the disclaimer beside each.
Open Our lender panelWhich lenders do you actually use?
The 24 lenders Opulent Finance settled loans with in the last twelve months, taken from the Credit Guide. 16 are banks or mutuals, 8 are not banks at all.
OpenRates and the marketHow do I read a rate move?
The cash rate, your rate, fixed rates, repricing, the buffer and the debt to income limit, explained without a rate being quoted.
Open Burwood and the eastWhere is the office?
Harker Street, Burwood; the firm was established in 2010. What buying in the eastern suburbs looks like from the lending side, and how a review works locally.
OpenThe article archive, every address kept.
Explore articles from the Opulent Finance archive. Every article keeps its original address, publication date and author on this site. Browse the archive.
When the reading raises a question, ask it.
A finance review starts with a conversation and a written position from Dayan Kasturiratna, who provides the credit assistance on every file. No credit check to start.
The Learn section is general information about lending in Australia. It does not take account of your objectives, financial situation or needs, is not credit assistance, and is not tax, legal or financial advice. Lender policies, government schedules and regulations change; check the current position with the relevant body or with us before relying on it.
