> ## Documentation Index
> Fetch the complete documentation index at: https://docs.homestar.goslate.dev/llms.txt
> Use this file to discover all available pages before exploring further.

# Edgecase: Outgoing Mortgage Interest Rate >10%

<Note>
  This occurs when the applicant declares an interest rate above 10% on their outgoing mortgage.
</Note>

## Platform Action

Auto-escalation to human.

### Credit Operations – Next Steps

* Confirm whether the outgoing mortgage is:
  * A **private mortgage**, or
  * An **exceptional case** (e.g., temporary bridge loan, non-bank lender)
* If valid, proceed with full assessment; otherwise, flag for risk review

## Example Situation

An applicant declares a 10.5% interest rate on their current home loan.\
The platform auto-escalates. Credit ops confirm it's a private mortgage with a private lender and continue processing after validating repayment history.