¹ Excludes mortgages on vacant land in addition to building and renovation loans given there aren't any in-use operational emissions linked to these. From this 7 days, Westpac will permit select refinancers who never fulfill the financial institution’s normal serviceability examination to go through a “modified Serviceability Evaluation Level,” https://westpac-melbourne44566.ouyawiki.com/851183/head_an_overview