You can find our credit information policy and the Macquarie Residential Home Loans Credit guidelines online.
For more on who and what we finance, also see:
What's our credit policy?
What's our debt reducer policy?
We have a common debt reducer policy for spousal relationships only.
Where an applicant has a joint commitment with a non-applicant spouse (held or to be held either with Macquarie or another financial institution):
- Where 100% of the joint commitment is included in servicing, 100% of any associated rental income and negative gearing benefit can be used in the servicing calculation
- A portion of the joint commitment can also be considered in the servicing calculation. However, the non-applicant spouse will need to also show ability to service the remaining portion using a verified household servicing calculation, with income and all commitments of the non-applicant spouse included. This means we don’t automatically split the debt 50/50.
Where required, you can use the Macquarie Serviceability Calculator to assess the position including the non-applicant spouse. Here’s a form to capture their statement of position.
Refer to our Macquarie residential home loans credit guidelines, Section 3F – Commitments – Existing financial obligations for a full list of requirements.
Who and what we finance
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Exit strategy -
Self-employed applications -
Security property location and LVR
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