Step 1 of 8
About you
A few basics so the road map is personalised.
Step 2 of 8
Your home
Your best estimate is fine. The bank orders a proper valuation later, usually free.
Step 3 of 8
Your loan
It's all on page one of your latest statement, or in your banking app.
What actually leaves your account each month.
Split loan, or a second loan on this place? Add each part and the road map compares the lot.
Step 4 of 8
Income
Gross annual income, before tax. This decides which lenders will fight for your loan.
Step 5 of 8
Other debts
Skip anything that doesn't apply. $0 is perfectly fine, and nothing here rules you out.
Lenders assess the limit, not the balance.
Step 6 of 8
What's the goal?
Pick the one that fits best. The road map shapes itself around it.
The balance, not the limit - what you'd actually pay out.
For the reno, the buffer, whatever the plan is.
Step 7 of 8
Quick checks
These decide which paths the banks open up for you.
Step 8 of 8
Done. Your road map is built.
It appears on screen the moment you hit the button: your loyalty tax, your equity, and the three ways to run the new loan. Just tell me where it should live.
So you can get back to your road map any time.
Only if you'd like a text from me. Never spam.
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Your road map is ready
Your personalised refinance 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, your numbers against the whole lender panel. 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. Rates, lender policy and break costs change - real numbers are confirmed before anything is lodged. Les Tricklebank · Credit Representative 557767 · Loan Market Pty Ltd · ACL 390222 v5.2 · lender panel Jul 2026