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
Takes about 2 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.
2–3 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
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.
2–3 minutes No credit check Rough numbers are fine — adjust anytime
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 guarantee 100% privacy — your details are never sold or shared.
And the best mobile for you?
Only used to confirm your booking and text you your results — never for cold calls, never shared.
Want a complimentary insurance comparison too?
Optional — we often improve on current General & Life cover. Pick one, or just continue.
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 No cost to you — lenders pay us 256-bit encrypted, never shared