Know where you stand, before you move.
A free, education-first self-check suite. No sign-up, no credit check, answers stay on your device. Start with the Quick Check to find the right tool — or jump straight in below.
Three deep checks. One product system.
Each specialist tool uses lending-readiness questions to help you understand the areas a lender may examine.
Quick Check
A 60-second qualifier that tells you which deep-check is actually worth your time. Gives a readiness preview and recommends PAYG / Business / Investor.
PAYG Health Check
For salaried earners. Four sections covering liability pressure, financial visibility, review discipline, and support — the exact dimensions a lender pre-reads.
Business Health Check
For self-employed and business owners. Covers profile, financial operations, lending structure, and recent change — mirrors the areas a business lender typically reviews first.
Investor Portfolio Check
For existing property holders. Models portfolio LVR, usable equity, cashflow, and your next purchase capacity — framed the way an investor-lender would.
Not another generic mortgage quiz.
Built around the way lenders actually read a file, then translated into general-information tools for people who want clearer preparation.
Banker logic, not dashboard fluff
Each question maps to a disclosed readiness factor commonly considered in lending review. No hidden lender promotion.
Your data stays with you
All calculations run in your browser. Answers are saved to localStorage only. Nothing is shared unless you choose to reach out.
Tells you what to fix first
Every result highlights the areas most worth reviewing before you rely on a borrowing assumption.
Transparent scoring. No hidden levers.
Every tool rolls up to a single readiness score out of 100. Here's what goes into it, and what each band actually means.
Four equal dimensions
Each specialist tool measures four dimensions worth 25 points each — liability pressure, visibility, review discipline, support — then sums to a /100 readiness score.
Bands you can act on
70+ well prepared — focus on understanding your options. 45–69 workable — one or two big levers to fix. <45 real prep work — step back before applying.
Calibrated, not flattering
Weights are tuned against how real credit assessors read a file: limits > balances, ATO currency > revenue size, clean employment > promotion speed. The score rewards what banks reward.
Attention insights, not generic tips
Every result surfaces the specific items dragging your score down, in priority order. Low scores auto-expand the top items so you see them on mobile without hunting.
Investor math, not vibes
The Investor Check runs real portfolio math: usable equity at 80% LVR, 80% rent shading for serviceability, 5× gross-income borrowing proxy, and a deposit-vs-capacity check against your target.
A score isn't a decision
These tools map your position — they do not approve, decline or recommend a loan. Use the result to prepare better questions for a lender or an independent qualified professional.
Turn the result into better preparation.
Use the health check to identify the areas worth reviewing, then test the relevant numbers or explore lending policy before making a decision.