Product: First Home Buyer Loan
Type: residential
Max LVR: 80.0%
Amount Range: $100,000 - $2,500,000
Max Term: 360 months
Rate: 6.6% - 7.0%
Contact: Ashleigh Lowe
Purpose: purchase
Property Type: residential
LVR: 70.0%
Amount: $490,000
Term: 300 months
Property Value: $700,000
Address: a a a
| Filter | Result | Client Value | Lender Requirement | Note |
|---|---|---|---|---|
| Loan Type | Pass | purchase (residential) | residential | |
| LVR Limit | Pass | 70.0% | 80% | |
| Loan Amount | Pass | $490,000 | $100,000 - $2,500,000 | |
| Security Type | Pass | residential | residential | |
| Credit Score | Pass | 610 | - | |
| Monthly Turnover | Pass | - | - | |
| Property Owner | Pass | Yes | Required | |
| Borrower Type | Fail | Investment | first_home_buyer | Product targets: first_home_buyer; Client profile: investor |
| Dimension | Raw Score | Weight | Weighted Score | Visual |
|---|---|---|---|---|
| LVR Headroom | 50.0 / 100 | 25% | 12.5 |
|
| Lender max LVR 80% - Client LVR 70.0% = 10.0% headroom. Formula: min(100, headroom/20 x 100) = min(100, 10.0/20 x 100) = 50.0 | ||||
| Interest Rate | 89.3 / 100 | 25% | 22.3 |
|
| Rate = 6.6%. Formula: (20 - 6.6) / 15 x 100 = 13.4/15 x 100 = 89.3. (Scale: 5% = 100, 20% = 0, linear) | ||||
| Loan Amount Fit | 73.0 / 100 | 15% | 10.9 |
|
| Amount $490,000 is within range $100,000-$2,500,000. Mid = $1,300,000, distance ratio = 0.34. Formula: max(60, 100 - 0.34 x 80) = 73.0 | ||||
| Term Match | 0 / 100 | 15% | 0.0 |
|
| Client term 300mo > Lender max 60mo (for interest_only) -> 0 (term too long) | ||||
| Payment Flexibility | 33 / 100 | 10% | 3.3 |
|
| Lender offers 1 type(s): principal_and_interest. Base = 1 x 33 = 33. Client prefers 'interest_only' but NOT available -> 33 | ||||
| Turnaround Speed | 60 / 100 | 10% | 6.0 |
|
| Turnaround 72h (<= 72h / 3 days) -> 60 | ||||
| TOTAL | 100% | 55.1 |
|
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