Loan Structure Policy
Loan term, deposit, balloon, asset value and existing finance can all influence lender selection. A workable structure is often just as important as finding a lender willing to consider the applicant.
This page provides general guidance only. Maximum terms, balloon limits, deposits, acceptable LVRs, fees and other structural requirements differ between lenders and may change without notice. Run the scenario with Yes Approved for a current assessment.
Getting the structure right matters.
Two lenders may both consider the same client but allow very different loan structures.
Loan Term
Available terms can vary based on asset type, asset age, applicant profile and lender.
Explore loan terms →Deposit
Some transactions may be available with little or no deposit, while others require additional equity.
Explore deposits →Balloon / Residual
Balloon availability and limits vary by asset, term, lender and transaction type.
Explore balloons →Loan-to-Value
The amount financed compared with lender-accepted asset value can affect approval and lender selection.
Explore LVR →Negative Equity
Selected lenders may consider incorporating some existing finance shortfall into a replacement transaction.
Explore negative equity →Secured vs Unsecured
The right structure can depend on whether suitable security is available and what the funds are being used for.
Explore security →What can influence loan structure?
Loan structure is usually determined by a combination of client, asset and transaction factors.
The transaction
- Purchase price
- Loan amount
- Deposit
- Trade-in value
- Existing finance payout
- Fees being financed
The asset & applicant
- Asset type and age
- Lender-accepted asset value
- Credit profile
- Consumer or commercial purpose
- Income position
- Overall lender appetite
Loan structure scenarios at a glance
General guidance on common structural issues that can influence lender selection and transaction design.
Trade-ins, payouts and fees can change the numbers.
The amount a client needs to finance isn't always the same as the advertised purchase price of the replacement asset.
Trade-in scenarios
The finance position can be influenced by:
- Trade-in value
- Existing loan payout
- Positive or negative equity
- Cash deposit
- Replacement asset value
- Resulting LVR
Amounts being financed
Depending on lender policy, the loan may need to account for:
- Purchase price
- Eligible accessories
- Approved fees
- Existing finance shortfall
- Other eligible transaction costs
- Lender-specific maximum advance limits
Don't compare loan options on rate alone. A lender with a slightly different rate may allow the term, balloon, LVR or trade-in structure the client actually needs, while another lender may not.
Send us the whole structure.
Give us the purchase price, payout, trade-in, deposit, asset and preferred loan structure. We'll review the scenario against available lender options and current policy.
Important information
Information contained in the Yes Approved Partner Policy Centre is general information only and is intended to assist referral partners in understanding common lending considerations and potential finance structures.
It does not represent a complete statement of any lender's credit or product policy and should not be relied upon as confirmation that a particular loan term, deposit, balloon, residual, LVR, negative equity amount or finance structure will be available.
Lender policies, maximum loan terms, balloon and residual limits, acceptable LVRs, fees, asset criteria, credit requirements, product availability and assessment processes are subject to change without notice.
Available structures can vary according to the applicant, transaction, asset, asset value, loan purpose, credit profile, amount financed and other lender-specific factors.
All finance applications remain subject to lender eligibility requirements, credit assessment, verification, applicable legal and regulatory requirements and final lender approval.
Yes Approved does not guarantee that a particular loan structure or finance product will be available based on information contained within the Partner Policy Centre.
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