Pick the one that fits best. We tailor the rest of the questions to your situation.
Which way are you moving?
Buying before you sell works differently depending on the direction — this shapes the numbers we run.
Do you own your home?
Rolling debts into a home loan needs a home loan — but there's a pathway either way.
Let's get your options
Eight quick questions, about three minutes. No credit check, nothing goes on your file.
Property value and loan amount
Move the sliders. We'll show you the loan-to-value ratio (LVR) live.
Eight quick questions, about three minutes No credit check Rough numbers are fine — adjust anytime
Close enough is fine — we confirm the exact figures with you later. No need to dig out statements now.
Need to check your numbers first? No problem — we'll email you a link to pick up exactly where you left off.
This one's a little small for us
Loan-to-Value Ratio80%Strong — most lenders compete for this LVR
At this price, a 5% deposit is $—
instead of $— at a standard 20% — with no LMI for eligible first-home buyers under the Government's 5% Deposit Scheme. Your eligibility and your suburb's price cap are confirmed in your Roadmap.
Indicative arithmetic on the figures you set — eligibility, price caps and other costs (like stamp duty) are confirmed before anything proceeds. Not an offer or approval.
Add more detail (optional — sharpens your lender match)
Combined LVR—
How much do you need?
A quick figure to get you the right options — we'll refine it together.
Eight quick questions, about three minutes No credit check Rough numbers are fine — adjust anytime
Street number and street, not just the suburb — funders price the actual title.
Either is fine \u2014 start typing the name and we\u2019ll find the ABN, or paste the ABN straight in. This decides which funders can look at the deal at all.
If you don\u2019t have the ABN to hand, the exact registered name is enough for now.
How do you earn your income?
This determines which lenders will accept your application.
Combined household income
Gross (before tax), all income sources combined. Australian median is ~$95k.
$40k$95k median$250k$500k+
Any credit concerns?
Default, missed payment, bankruptcy in the last 7 years — anything we should know?
🔒 Answering won't affect your credit score — nothing here is a credit check.
What applies? (tick any that fit)
Nice work — that's the hard part done.
Your personalised pathway report is ready. First, what should we call you?
Where should we send your report?
You'll see it on the next screen — we'll email a copy so you have it to keep.
We never sell your details. We share them only to assess your loan, as our Privacy Policy explains.
And the best mobile for you?
Richard will ring you shortly, during business hours, to go through your options; it's a 20-minute call, recorded for your file. Never used for marketing.
If a lender fits, do you want it in writing?
A formal written quote sets out the lender, the structure and the costs. Nothing is payable today — this just tells us how you'd like to proceed.
Last step — a few details for your assessment.
For car and personal loans the first step is a soft credit check — it's only visible to you and never affects your credit score. These details let Richard run it the moment you're ready.
Preparing your personalised pathway report…
50 lenders compared No credit check at this stage Most clients pay nothing: the lender pays us when the loan settles. Complex or private-lending files may carry a fee, quoted in writing and agreed before we recommend anything. Encrypted. Shared only to assess your loan