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Lendology · Broker Credit Coaching

The credit training that does not exist anywhere else.

26 sessions. 52 real world credit scenarios. Built for brokers who are tired of escalating deals they should be able to handle. No other provider in Australia offers this.

26
Sessions
52
Scenarios
$495
/month inc GST
No
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8+ Years Active
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Why this matters

Nobody else offers this. Here is why it matters.

Every other form of broker education focuses on business growth, lead generation, or compliance checkboxes. Nobody teaches the actual craft of structuring complex loans. CPD courses tick a box. Aggregator PD days cover products. Credit coaching builds the skill that makes you money.

Lendology Credit Coaching CPD Courses Aggregator PD Days Self Teaching
Structured curriculum26 sessions over 12 monthsOne off modulesAd hoc topicsNo structure
Real credit scenarios52 from actual applicationsHypotheticalProduct focusedTrial and error
Live feedback from a broker1:1 with Jason, every sessionNo feedbackGroup Q&ANone
Lender policy depthMulti lender comparisonSurface levelSingle lenderVaries
Ongoing relationship12+ monthsOne sessionOne dayAlone
Investment$495/month, no lock in$169 to $500 per courseUsually freeFree
The program

26 sessions. Every one built around real loans.

Four stages, from foundations to mastery. Each session covers specific credit scenarios drawn from actual applications. Click a stage to see the sessions inside.

Stage 01
Foundations (Sessions 1 to 6)
Lender policy frameworks, serviceability fundamentals, basic residential scenarios
01
Alt-Doc / Low-Doc Lending
New ABN, recent start, BAS-based income - when full-doc is not an option and alt-doc lenders need to fill the gap.
Self-Employed
02
Multiple Entities & Add-Backs
Pty Ltd + trust + sole trader - whose income counts, what add-backs lenders actually accept, and intercompany complexity.
Self-Employed
03
Declining Self-Employed Income
When Year 2 is lower than Year 1. Lowest year vs average, accountant letters, and building the narrative for lenders.
Self-Employed
04
Partnership Income & Lease Liabilities
50/50 partnerships, accountant letter requirements, and when equipment leases become serviceability killers.
Self-Employed
05
ATO Tax Debt Consolidation
Self-employed clients with ATO payment plans who want to refinance. Lender appetite, disclosure, and structuring.
Self-Employed
06
Rural & Semi-Rural Security
Hobby farms, acreage, and properties most lenders will not touch. Where the policy cut-offs are and who will lend.
Security
Stage 02
Application (Sessions 7 to 13)
Submission quality, first home buyers, refinance, investment lending
07
Company Title & Restricted Security
Company title apartments, non-standard title types, and navigating the very short list of lenders who will consider them.
Security
08
Off-the-Plan Valuation Shortfalls
What happens when the valuation comes in lower than the contract price, settlement is weeks away, and the deposit gap needs closing.
Security
09
Dual Occupancy & Granny Flat Income
PPOR plus granny flat on one title. Rental income treatment, security valuation, and the lenders who understand dual occ.
Security
10
Paid Defaults & Lender Thresholds
Small paid defaults, timing windows, and the matrix of which lenders accept what at which LVR. Prime vs specialist pathways.
Adverse Credit
11
Part IX Debt Agreements
Completed Part IX agreements, waiting periods by lender, and rebuilding the application for clients who have done the hard work.
Adverse Credit
12
Discharged Bankruptcy
Post-bankruptcy lending. Discharge timeframes, deposit requirements, income rebuilding, and the lenders with genuine appetite.
Adverse Credit
13
Mortgage Arrears & Conduct History
COVID arrears, repayment history blemishes, and how to present a conduct file that lenders can approve.
Adverse Credit
Stage 03
Complexity (Sessions 14 to 20)
Self employed, construction, guarantor, trusts, adverse credit
14
Trust & Company Borrowers
Discretionary trusts, unit trusts, corporate trustees - who guarantees, how income flows, and lender documentation requirements.
Structures
15
SMSF Residential Property (LRBA)
Limited recourse borrowing arrangements. Fund balance requirements, compliance, and the specialist lender market for SMSF.
SMSF
16
Company Borrower & Director Guarantees
Trading companies buying commercial premises. Director obligations, multiple guarantor structures, and lender policies.
Commercial
17
Non-Resident & Visa Lending
NZ citizens on SCVs, 482 visa holders, temporary residents - FIRB implications and lender appetite for non-permanent residents.
Visa / Non-Res
18
Foreign Currency Income
Australian citizens employed overseas, paid in foreign currency. Income conversion, lender acceptance, and rate loading.
Foreign Income
19
Construction - Progressive Drawdown
Fixed price contracts, progress inspections, cost overrun buffers, and managing the build timeline from the finance side.
Construction
20
Owner-Builder Construction
Owner-builder licences, lender restrictions, cost-to-complete assessments, and the specialist solutions that actually work.
Construction
Stage 04
Mastery (Sessions 21 to 26)
SMSF, bridging, commercial crossover, complex serviceability, capstone
21
Knockdown Rebuild & Bridging
KDR on existing PPOR. Bridging during the build, rental costs, peak debt calculations, and managing the whole process.
Construction
22
Small Residential Development
Duplex builds, subdivision finance, sell-one-keep-one strategies, and the line between residential and development lending.
Development
23
Bridging Finance - Buy/Sell Timing
Misaligned settlements, peak debt, sale evidence, and when open vs closed bridging is the right recommendation.
Bridging
24
Family Security Guarantees
Parental guarantees, ageing guarantors, exit strategies, independent advice obligations, and elder abuse considerations.
Guarantor
25
High LVR + Adverse Credit
When LMI insurer policy and lender policy conflict. Navigating dual assessments on low-deposit applications with credit blemishes.
Complex
26
Capstone - Multi-Layer Complexity
The deal that has everything: self-employed, separated, paid default, trust funds in dispute, PPOR plus cash-out. Bringing it all together.
Capstone
Credit scenarios

52 scenarios. Every one real.

Every scenario in the program is drawn from actual loan applications. Not textbook examples. Real serviceability challenges, real lender quirks, real compliance pressure.

First home buyer Refinance Self employed Investment Construction Guarantor Debt consolidation Trusts SMSF Adverse credit Bridging Commercial
Lender policy deep dives
Each scenario covers which lenders apply, how they assess it, and why the submission gets approved or knocked back.
Real structuring decisions
You work through the structure with Jason. Which lender, which product, which features, and why. Not theory. Actual decisions on actual deals.
Compliance built in
BID, responsible lending, and file note obligations are covered inside every scenario. Not as a separate module. As part of how you do the work.
Confidence you can feel
By the end you will know which deals you can handle, which lenders to use, and how to structure submissions that get approved first time.
Built for brokers who are tired of this

If any of this sounds familiar, this program is for you.

"I escalate deals I know I should be able to handle."

You have the experience to write the loan but not the confidence to structure it yourself. You send it upstairs and wait, knowing you should have been able to do it. Credit coaching fixes that.

"I avoid complex scenarios because I am not sure of the policy."

Self employed, trusts, construction. You know these deals exist but you have not written enough of them to feel confident. So you pass them on or refer them out. That is revenue walking out the door.

"I have done the CPD hours but I still do not feel confident."

You have ticked every box. Completed every module. But when a complex deal lands on your desk you still feel uncertain. CPD does not build the skill. Practice with an active broker does.

What you get access to

Your private participant portal.

Every participant gets access to a private portal where you can track your progress, review session learnings, and access resources between sessions.

Session tracking

See which sessions you have completed, which are coming next, and your progress through each of the four stages.

Session learnings

After each session, record your key takeaways and action items. Build a personal reference library of what you learned and how to apply it.

Resources

Access session materials, scenario guides, and reference documents. Everything you need between sessions to keep building on what you learned.

Progress dashboard

Visual progress through the program. See your stage, session count, and scenario coverage at a glance.

What participants say

Built for the deals you actually face.

★★★★★
"The credit scenarios Jason covers are exactly what I was seeing on my desk. After about 10 sessions I stopped second guessing myself on deals I used to escalate. The confidence shift was massive."
Sarah M.
Brisbane, QLD · Credit Coaching
★★★★★
"I have been broking for six years and thought I knew credit policy well enough. Jason showed me gaps I did not even know I had. The self employed and trust scenarios alone changed how I structure half my deals."
Mark T.
Perth, WA · Credit Coaching
★★★★★
"I have sat through CPD courses and online modules for years. This is the first program where I actually learned something I used on a live deal the next day. Jason knows exactly what lenders are doing right now because he is dealing with them himself."
Sarah M.
Brisbane, QLD · Credit Coaching
★★★★★
"Jason is knowledgeable, flexible and generous with his time and provides useful, practical advice through the whole process. I always feel heard and understood. Highly recommend."
Rachel Schulz
Google Review · ★ Verified
Common questions

Everything you need to know about Credit Coaching.

$495 per month including GST. There is no lock in contract. Cancel anytime with no exit fees. There are no enrolment fees and no hidden costs.
CPD courses are designed to meet regulatory requirements. They are usually online, self paced, and cover broad topics at a surface level. Credit coaching is a structured 26 session program where you work through real credit scenarios one on one with an active broker. It builds the actual skill of structuring complex loans, not just the hours on your CPD log.
No. The program starts with foundations and builds up. If you have been writing loans for at least two years and want to handle more complex deals, this is designed for you. If you are brand new to industry, the Mentor Program is a better fit.
Yes. While each session follows a structured curriculum, Jason regularly uses participants' real deals as working examples. If you have a live deal that fits the session topic, bring it along.
Sessions are scheduled at mutually convenient times. If you need to reschedule, just let Jason know in advance and you will find a new time. The program is flexible around your workload.
The program covers policy across the major banks (CBA, Westpac, ANZ, NAB), second tier lenders (Bankwest, Macquarie, ING, Suncorp), and select non bank lenders. Jason works with a broad panel and covers the lenders most relevant to each scenario.
Credit coaching sessions can count toward your CPD hours under the MFAA or FBAA structured education category. Jason can provide documentation to support your CPD log.
Some aggregators have professional development budgets or co investment programs. Check with your BDM. Lendology can provide a tax invoice and program outline for your aggregator's approval.
No. Credit coaching works with any aggregator. Loan Market, Connective, AFG, PLAN, Finsure, Outsource Financial, or any other. There is no panel restriction.
Most participants report feeling more confident within the first 6 to 8 sessions. By Session 10 you will be handling deals you previously would have escalated. By the end of the program you will have worked through 52 scenarios and know exactly which deals you can write and how to structure them.
Every session is live on Zoom with Jason. One on one. There are no recorded modules, no group calls, and no pre built workbooks. You get real time feedback from someone who is actively writing the same types of loans.
There is no lock in contract. If the program is not right for you, cancel anytime. You only pay for the months you are enrolled. No exit fees, no penalties, no questions.

Also looking for MFAA mentoring?

If you are a new broker completing the mandatory MFAA mentoring requirement, the Lendology Mentor Program is a 24 month structured program at $349/month.

View the Mentor Program