Refer Rules
Policy
Team
Process
Systems
100

R_251

CCR RHI 30 plus day arrears detected

100

Who is the group head of Banking & Financial Services?

Greg Ward

100

What must a CA do in order to waive an incorrectly generated tier 2 refer reason?

 Apply ECR

100

Since June 2026, CAs were no longer required to check this system for lease enquiries.

iPortal

200

R_225

Minimum servicing surplus requirement not met, savings position to be reviewed

200

Whose team was Neha in before she became team leader?

John

200
What is the standard formula to calculate living expenses as part of an R_111 review as per LH?

(Starting balance- Closing balance + credits)/ Number of months

200

What is the shortcut to access items copied to your clipboard?

Windows + V

300

R_145

Age of file

300

What dance move did George claim to be a pro at, at the 2025 Christmas party?

The Worm

400

R_269

Primary and secondary education costs are low

500

R_235

DTI ratio and Facility LVR exceed acceptable level

500

What are the 5 red flags to look out for when an R_401 (Refinance without CCR history) triggers on an application?

1. CCR RHI data unavailable for all facilities

2. RHI/FHI rule triggered

3. MRG D

4. Interest rate on new facility higher than exisiting facility being refinanced

5. Interest rate > 10% on home loan facility being refinanced 

500

Name all team leaders in Sydney and Perth (9)

Jeff

Shirley

Liam 

Zana

Dave

Ryan

Barry

Kat

Laurie

Sophie

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