Twelve settled loans that show how VMG’s credit analysts read a file when an automated assessment has already said no. Each one is a real scenario placed by an accredited broker, with identifying details removed.
A VMG case study is a summary of a settled loan: the borrower’s situation, the reason mainstream lenders declined it, how VMG assessed it, and what settled. Open any card for the full breakdown or test a scenario of your own.
Put it in front of a VMG credit analyst before you lodge. Human underwriting, no credit scoring, no DTI or DSR ratios.
A: Yes. Every case study is a settled loan placed by an accredited broker. Names, locations and identifying details have been removed or changed, and each scenario is cleared by VMG credit before publication.
A: Yes, through an accredited broker. Use the Test a Scenario form or speak to your BDM before lodging so credit can confirm the product tier and the documents needed.
A: No. Each file is assessed on its own merits under human underwriting. A case study shows how a comparable scenario was read, not an outcome your client will receive.
A: Prime, Near Prime, Specialist, Specialist Plus and Flexi Business Plus. The product each loan settled under is shown on the case study page.
On how we can assist you, please contact us to discuss your specific needs.
All applications are subject to Victorian Mortgage Group’s standard credit assessment and lending criteria. Terms, conditions, costs and charges apply. This page is general information only and does not take into account your objectives, financial situation or needs. Last reviewed 18 August 2026.
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