Diagnostic · Free

Mortgage readiness quiz

Two minutes. Seven questions. A personalised score across deposit, income, debts, credit and timeline.

7 questions · 2 minutes

Are you ready to apply for a home loan?

Most borrowers either apply too early (and get declined) or wait too long (and miss the home). This 2-minute diagnostic shows where you actually stand — across deposit, income, debts, credit and timeline — and exactly what to do next.

Free. No email required to see your result.
Personalised — observations reference your specific answers.
Built by a licensed Australian mortgage broker.
No data leaves your browser unless you choose to send it.

Who this is for

Anyone considering a home loan in Australia in the next 12 months — first home buyers, upgraders, investors, or existing borrowers thinking about refinancing. The quiz is calibrated against real Australian lender policy as of 2026 and the federal homebuyer schemes (First Home Guarantee, Help to Buy, FHSS) currently in effect.

It is not a borrowing power estimate — for that, try the borrowing power estimator or the repayment calculator. If you are still working from a gross salary figure, start with the take-home pay calculator, and if you are unsure how lenders will read your file, see what your credit score actually means.

After the quiz

You'll see your tier (Ready, Almost there, or Foundations), a list of personalised observations linked to your answers, and three concrete next-step recommendations. You can optionally have the result emailed to you with a tailored 90-day plan — or just call Bishnu directly.

No data leaves your browser until you choose to send it. We never sell contact details.

Frequently asked questions

Is the mortgage readiness quiz the same as borrowing power?

No. The quiz scores deposit, income stability, debts, credit habits and timeline against common lender expectations. It does not calculate maximum loan size. Use the borrowing power estimator on the calculators page for a numeric capacity illustration.

How long does the mortgage readiness quiz take?

About two minutes. There are seven questions. You receive a tier (Ready, Almost there, or Foundations) plus personalised next steps. You can optionally request an email summary.

Does the quiz guarantee home loan approval?

No. Results are general information only, not credit advice or an approval. Lenders assess your full file, including expenses, credit report, employment and property.

Who should take the mortgage readiness quiz?

First home buyers, upgraders, investors and refinancers in Australia who want a structured check before lodging an application or speaking with a broker.

Is the quiz free?

Yes. There is no charge to complete the quiz. If you choose to enquire afterward, mortgage broking is typically paid by the lender at settlement, not as an upfront fee from you.

Prefer a 15-minute call to walk through your numbers?

No commitment. Bishnu reviews your situation and tells you exactly what to do next.

Enquire now Start your application WhatsApp message

Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.