Frequently Asked Questions
What is Structur?
Structur is a structured pre-assessment layer designed to identify how lending frameworks are likely to interpret a borrower’s position before formal credit assessment begins.
It does not provide approvals, lender comparisons, or product recommendations.
It provides structural clarity.
Structur is not designed to predict approval.
It is designed to clarify structure.
Is Structur a loan application?
No.
Structur does not collect information for a lender and does not submit any form of credit application.
It maps structural positioning only.
Does using Structur affect my credit file?
No.
Structur does not access your credit report and does not impact your credit score.
It is a private, non-obligatory structural assessment framework.
Is my information shared with lenders?
No.
Structur does not submit your information to lenders and does not trigger any form of credit enquiry.
Your inputs are used solely to generate your Structure Map.
If you later request contact with a licensed professional, you will first provide consent to be contacted. Any formal assessment will require separate documentation, privacy acknowledgements, and (where relevant) credit authorisation.
No information is transferred to lenders without your knowledge and agreement.
Is Structur financial advice?
No.
Structur provides structural mapping only.
It does not provide personal financial advice, lender recommendations, or product comparisons.
Formal advice is provided by licensed professionals following a full fact find and formal credit assessment.
How is Structur different from borrowing capacity calculators?
Borrowing calculators estimate capacity using simplified assumptions.
Structur examines how income type, ownership structure, liabilities, timing, and policy sensitivity interact — the same way lenders and credit teams assess internally.
It focuses on structural interaction, not just numerical output.
Who should use Structur?
Structur is particularly useful for people with:
• Multiple income sources
• Self-employment or business interests
• Existing properties or financial commitments
• Complex ownership structures
• Forward planning beyond an immediate purchase
It is also appropriate for anyone who wants structural clarity before committing.
Why not simply speak to a broker first?
You can.
Structur exists for people who prefer to understand their structural position before entering formal assessment discussions.
It improves the quality and depth of those conversations.
Can I use Structur more than once?
Yes.
Most people revisit their Structure Map as circumstances evolve — income increases, liabilities reduce, deposits grow, or goals shift.
Responsible borrowing is not a single event.
Who developed Structur?
Structur was developed by Virginia Graham Riches, founder of Model Mortgages, drawing on structured lending assessment frameworks observed across Australian credit practice.
Where does Structur fit in the lending process?
Structur sits intentionally between education and execution.
Model Mortgages explains how lending is assessed.
Structur maps how those frameworks interact with your position.
Licensed professionals execute formal lending advice and implementation.
Structure comes before strategy.
Strategy comes before execution.