Diagnostic · Free
Mortgage readiness quiz
Two minutes. Seven questions. A personalised score across deposit, income, debts, credit and timeline — and a specific next-step plan based on your answers, not a generic checklist.
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.
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.
Prefer a 15-minute call to walk through your numbers?
No commitment. Bishnu reviews your situation and tells you exactly what to do next.
Prefer the phone? 0400 77 77 55 — direct line to Bishnu Adhikari.