About You

1 of 7

Step 1 of 7

About you

A few basics so the road map is personalised.

First name

Buying solo or with a partner?

Partner's first name

State

Dependent kids under 18

Step 4 of 7

Income

Gross annual income, before tax. This one number sets your borrowing power, the backbone of your whole road map.

Your gross annual income

Stays in your road map maths and nowhere else - no credit check, nothing sent to any bank.

Partner's gross annual income

Step 5 of 7

Debts

Skip anything that doesn't apply. $0 is perfectly fine. Nothing here rules you out; your road map shows how to work around every one of these.

Do you have a home loan?

On the property you're keeping.

Balance still owing

Repayments (per month)

Optional - we estimate it if you leave this blank.

Years remaining on the loan

Optional - we assume 25 if you're not sure.

HECS / HELP balance

Credit card limits (combined)

Lenders assess the limit, not the balance.

Do you have a car loan?

Amount still owing

Repayments (per month)

Do you have a personal loan?

Amount still owing

Repayments (per month)

I use Afterpay / Zip / other BNPL

All good - it just goes on your prep list. Straight answers here make the road map accurate.

Step 6 of 7

Savings

Cash on hand now, plus what you typically save each month. This is what turns your road map into real dates.

Current savings (cash + offset)

Don't include the sale money here - we add that from the sale details automatically.

Putting all of it toward this purchase?

How much are you putting in?

The rest stays in your pocket - the road map plans around this number.

How much you save each month

Be realistic - lenders verify with bank statements.

From your sale: $0 joins your deposit

Expected sale price, less the loan payout and ~2.5% selling costs. Counted automatically - keep it out of the savings figure above.

Usable equity in your place: $0

80% of its value minus what's owing - released as extra lending against your current place, so it works like deposit without selling.

Use it toward this purchase?

Step 3 of 7

Property goal

The home you're aiming for.

What's the plan for this property?

Target purchase price

Where are you looking to buy?

Sets the right government scheme price cap for your area.

Property type

Expected rent per week

A rough figure is fine - check what similar places rent for nearby.

Step 2 of 7

Your situation

Where you're starting from. This decides which grants, schemes and strategies your road map gets built on.

Have you ever owned property in Australia?

Do you still own a property?

Was that within the last 10 years?

What's the plan for it?

Expected sale price

Loan owing on it

Rough is fine. We allow ~2.5% for agent and selling costs, and the rest joins your deposit automatically - so don't count this money in your savings figure too.

What's it roughly worth today?

A ballpark is fine - this is where your usable equity comes from.

Will it be rented out after you buy?

Expected rent per week

A rough figure is fine - check what similar places rent for nearby.

Where are you living right now?

Your rent per week

Are your tax returns lodged and up to date?

Step 7 of 7

Done. Your road map is built.

It appears on screen the moment you hit the button: borrowing power, deposit plan, grants you qualify for, and your step-by-step action plan. Pop your email in and I'll send your copy straight to your inbox.

Your road map appears on screen instantly - and your emailed copy is yours forever, on any device.

Mobile (optional)

Only if you'd like a text from me. Never spam.

Send me the free 7-day First Home Buyer series

One short email a day - the seven mistakes that cost first home buyers the most. Unsubscribe any time.

Les (july10, Credit Representative 557767) collects these details to build your road map and to contact you about your enquiry. They're stored securely with trusted providers - some located overseas, including the USA - and are never sold. You can access, correct, delete or unsubscribe any time; see our Privacy Policy for how, including how to make a complaint.

✓

Your road map is ready

Your personalised home buying plan, built from the numbers you gave me. Save it, have a read, and when you're ready, let's talk it through.

Straight to your inbox - yours forever, open it any time.

The share link contains your numbers - send it to people you trust.

Walk Me Through My Road Map →

30 minutes with me, going through your road map step by step. Your details carry over, so no re-typing.

This tool gives a general estimate based on the info you enter. It is not personal financial advice. Stamp duty, grants, and lending policy change - real numbers will be confirmed before pre-approval. Les Tricklebank · Credit Representative 557767 v5.11 · lender panel Aug 2026