Stream 02 ยท Applied Credit Clinics

Complex credit, worked end-to-end.

One real scenario per clinic - taken from an actual file, worked through the five-stage framework from first contact to a submission-ready recommendation. You leave each clinic with a method you can run on Monday's deal, not notes you'll never open again.

Clinics
26
Five themes plus a capstone
Format
One file
Scenario sheets, workbook, printed client file
For
Years 2+
Experienced brokers and teams
Outcome
Submission-ready
Every clinic closes with the recommendation built

Self-Employed & Structures 7 clinics

01
Alt-Doc & the New ABN
14 months trading, limited BAS - how non-banks calculate income
02
Multi-Entity Income
Company + trust + sole trader: add-backs and intercompany loans
03
Declining Self-Employed Income
Lowest year, average, or latest - the policy that decides the deal
04
Partnerships & Professionals
Medical/dental pathways vs alt-doc convenience
14
Family Trust Borrowing
Discretionary trusts as borrower for investment property
15
SMSF Lending
Limited recourse borrowing for residential property
16
Commercial Owner-Occupier
A trading company buying its own premises

Credit Impairment 5 clinics

10
Paid Defaults
The $4,200 telco default and where it actually matters
11
Part IX Debt Agreements
Lending after formal debt agreements
12
Discharged Bankruptcy
2.5 years post-discharge - pathways and pricing
13
Mortgage Arrears History
Internal lender records vs the credit file
25
High-LVR Dual Approval
Lender + insurer approval with a small paid default

Security & Property 4 clinics

06
Rural & Acreage
The 8-hectare hobby farm: zoning, policy, valuation
07
Company Title
The narrowest lender pool in residential lending
08
Off-the-Plan Shortfall
When the valuation lands under contract at settlement
09
Dual Occupancy
Granny flat income - who counts it and how

Construction & Development 5 clinics

19
Construction Loans
Progress draws, cost overruns, builder insolvency risk
20
Owner-Builder
Owner-builder on a rural block - the most restricted category
21
Knockdown Rebuild
KDR with bridging finance across the build
22
Small Development
Subdivide, build two, sell - resi vs development finance
23
Bridging Buy/Sell
Misaligned settlements and peak debt maths

Niche Borrowers 4 clinics

05
ATO Debt Consolidation
Cashing out tax debt - who permits it and how to frame it
17
NZ Citizens
Special Category Visa 444 lending
18
Expat Income
Australians paid in foreign currency
24
Family Guarantees
Security guarantees with ageing guarantors

Capstone everything at once

26
The Capstone File
Self-employed income, paid default, complex security - every complexity from the program in one scenario, worked cold.

Run a clinic with your team.

Clinics run standalone or as a program - each closes with a submission-ready file and the method to repeat it. Talk to Jason about which theme fits your team's book.

Talk to Jason