Home loan guidance
Understand your home loan position before you apply.
Estimate how much you may be able to borrow, understand the cost of your chosen property and see potential first-home-buyer support in one place.
No lender application is submitted. Results are indicative educational guidance, not loan approval.
One assessment
A clearer picture of your home buying position
Borrowing guidance
See an indicative borrowing range that reflects differences between lender assessments.
Property position
Understand property price, contribution, purchase costs and estimated loan required.
First-home support
Estimate potential grants and transfer-duty concessions.
What-if scenarios
Explore how debts, credit limits, income or contribution may change your position.
Simple
Clear questions and plain-English results without unnecessary banking jargon.
Practical
See both borrowing capacity and whether your selected property appears realistic.
Australian
Includes state-based purchase costs and potential first-home-buyer support.
How it works
Simple questions. Clearer guidance.
The assessment focuses on information that materially affects borrowing capacity and your property position.
Step 1
About you
Application type, age and dependants.
Step 2
Income & expenses
Income, household expenses and rent.
Step 3
Debts
Credit limits and existing loan commitments.
Step 4
Property
Property details, contribution and first-home status.
Your result
More useful than a single borrowing number
Your result combines borrowing guidance with the property transaction so you can understand both affordability and the funds needed to complete the purchase.
Indicative borrowing range
Estimated borrowing limit
Estimated interest rate and repayment
Stamp duty and purchase costs
Potential first-home-buyer support
Possible LMI
Estimated shortfall or borrowing buffer
Example result structure
Estimated borrowing range
$720,000 – $840,000
Estimated borrowing limit
$800,000
Example only. Your result depends on the information entered and the model assumptions.
Ready to start?
Get a clearer view of your home loan position.
Work through the assessment and see borrowing, purchase and first-home-buyer guidance together.