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St George toughens up loan criteria 7 January 2009
St George Bank has restricted the use of overtime and shift allowances when assessing a loan applicant’s income. It has also restricted the extent to which multiple permanent jobs can be assessed. Income from casual jobs is to be excluded from serviceability calculations, and a reduced amount of commission income is to be taken into account. Bonuses are to be excluded from serviceability calculations. The bank also notified brokers that its Quick Start loan, available to first home buyers with no deposit, was being withdrawn. Investors face stricter tests in assessing net income. Borrowers looking for 100 per cent LVR face tougher tests.
