Partner Lending Policy Centre
Understand where a client scenario may fit.
Practical lending policy guidance for referral partners across employment, credit, documentation, vehicles, commercial finance and loan structure.
Different lenders can assess the same client very differently. Use the Policy Centre as a starting point, explore Finance Niches where you need more detailed guidance, then send us the actual scenario for assessment against current lender policy.
A Better Way To Assess A Scenario
Policy fit often comes before pricing.
Start with the client. Then find the lender.
Understand the scenario Employment, business history, credit, income and asset all matter.
Identify potential pathways One lender saying no does not necessarily mean the scenario cannot work.
Go deeper where required Use Finance Niches for more detailed guidance on specialist lending situations.
Run the actual scenario Let Yes Approved review the details against current lender policy.
Information in the Yes Approved Lending Policy Centre is general guidance only. It does not represent a complete statement of any lender's credit policy and should not be relied upon as confirmation that a client, asset, transaction or structure will qualify for finance. Lender criteria, rates, fees, products and assessment requirements may change without notice. All applications remain subject to lender eligibility requirements, assessment, verification and final approval.
Why Policy Matters
Two lenders can look at the same client very differently
Lending policy is rarely a simple yes or no. Employment history, credit profile, business age, documentation, asset type, loan structure and lender appetite can all influence the outcome.
A client who falls outside one lender's standard criteria may still have a viable pathway elsewhere.
The Policy Centre has been built to help Yes Approved referral partners understand the major areas lenders commonly assess — without trying to replace an individual lender assessment.
Explore Lending Policy
Start with the part of the scenario that matters most
Each policy area explains common lender considerations, typical scenarios and when it's worth sending the client through for a more detailed assessment.
Applicant & Employment
Probation, casual work, new employment, self-employment, contractors and visa holders.
Explore Applicant Policy → CPCredit Profile
Credit scores, enquiries, defaults, repayment history, hardship and specialist credit scenarios.
Explore Credit Policy → DOCIncome & Documentation
PAYG income, self-employed income, BAS, bank statements, Low Doc and alternative documentation.
Explore Documentation → VAVehicles & Assets
Asset age, private sales, repairable write-offs, equipment, specialist assets and valuations.
Explore Asset Policy → BCBusiness & Commercial
ABN history, GST registration, new businesses, Low Doc, business structures and commercial purpose.
Explore Commercial Policy → LSLoan Structure
Loan terms, deposits, balloons, LVR, negative equity, trade-ins and secured versus unsecured finance.
Explore Loan Structure →Common Client Scenarios
Got one of these on your desk?
Jump directly to the relevant overview, then explore the deeper policy resources or send the actual client scenario to Yes Approved.
Need More Detailed Policy Guidance?
Go deeper with Finance Niches
The Lending Policy Centre is designed to give referral partners a practical overview of the factors that commonly influence lender selection.
When the client or transaction involves a more specialised situation, our Finance Niches provide more intricate guidance around individual scenarios, lender appetite, asset types and specialist lending considerations.
Explore detailed specialist finance topics and common lending considerations through the Yes Approved Finance Niches.
Explore Finance Niches →Using The Policy Centre
From question to scenario in three steps
Check the policy area
Start with the client's main issue — employment, credit, documentation, asset, commercial profile or loan structure.
Go deeper if required
If the situation is more specialised, move into Finance Niches for more detailed guidance around that type of client or transaction.
Run the actual scenario
Send the circumstances to Yes Approved so we can review them against available lender options and current policy.
A Useful Partner Rule
Don't rule the client out too early.
Probation, a newer ABN, a lower credit score, an older asset, Low Doc requirements or an unusual transaction can reduce the number of available lenders — but they do not automatically mean there is no finance pathway.
Partner Tools
Move from policy guidance to action
Research a scenario, go deeper into specialist policy, submit the client or manage your referrals through the Partner Centre.
Run a Client Scenario
Send us the client, asset and transaction details for assessment against current lender options.
Run Scenario → 02Finance Niches
Go deeper into specialist clients, assets and lending scenarios where lender policy can become more intricate.
Explore Finance Niches → 03YES Track
Refer clients online, submit applications and keep track of your referred client opportunities.
Explore YES Track → 04Partner Hub
Access partner resources, client education, referral tools and useful Yes Approved finance resources.
Visit Partner Hub →Don't See Your Scenario?
Give us the full story.
Some lending questions don't fit neatly inside a general policy guide or specialist niche. Send us the applicant, asset and finance requirement and we'll review the scenario against available lender options and current policy.
Built For Referral Partners
A quicker way to handle the unusual finance questions.
Mortgage brokers, accountants, dealers and business advisers can use the Lending Policy Centre to understand the issue, Finance Niches to investigate specialist scenarios in more detail, then hand the actual finance assessment to Yes Approved.
Important policy information: Information contained in the Yes Approved Lending Policy Centre and associated Finance Niches is general information only and does not represent a complete statement of any lender's credit policy. Lender policies, eligibility requirements, asset criteria, documentation requirements, rates, fees and product availability can change without notice. Individual applications remain subject to lender assessment, verification, applicable legal and regulatory requirements and final approval. Yes Approved does not guarantee finance availability or lender acceptance based on information contained within these resources.
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