Real-Time Loan Affordability Assessment API

Machine learning models trained on Australian spending patterns classify expenses into essential and discretionary categories.

Loans, mortgages, BNPL payments, rent, credit card repayments, subscriptions, and recurring bills are automatically identified.

3-6 months provides reliable affordability assessment accounting for normal variability and seasonal expenses.

Yes, the API can analyze variable income patterns for gig workers and calculate conservative income estimates.

Yes, affordability checks using actual banking data exceed NCCP requirements for income and expense verification.

We recommend leaving 15-20% buffer in disposable income calculations to account for unexpected expenses.

Yes, you can allow customers to provide additional context or documentation if they believe expenses are overstated.