Start with the funds you have
Understand available funds, deposit requirements and costs outside the purchase price.
First home buyers
Your first home starts
before the property search.
Understand the deposit, borrowing position, costs and timing before the search becomes a commitment.
Homebuyer
readiness map
readiness map
YourFirst home→
01Understand your position02Prepare with clarity03Move forward supported
01
Before the property search
Know the moving parts.
Then make the move.
A first home purchase involves more than finding a property. A clear view of your funds, commitments, costs and timing can make later decisions more deliberate.
Borrowing capacity
More than
one number.
Borrowing capacity is shaped by your complete position, not an isolated estimate.
Position01Income02Expenses03Commitments04Deposit05Criteria06Structure
01Income and employment02Living expenses03Existing commitments04Available deposit05Lender requirements06Loan structure
First-home support
Useful when relevant.
Never assumed.
Programs, concessions and lender pathways may be worth discussing, but eligibility and rules can change.
Check what may apply →- 01IdentifyWhich programs may be relevant?
- 02CheckWhat rules apply?
- 03IntegrateHow does support fit the wider position?
A practical sequence
From early questions
to a clear next step.
Prepare
Bring the position you know today.
Understand
Clarify capacity, costs and considerations.
Search
Look with a more informed range.
Proceed
Move through approval supported.
Direct access
Your first step does not need
to be a property inspection.
Start with a direct conversation about your position.