Are You Ready?

Know where you stand —
before you borrow.

Get your free Readiness Score and see what's helping, what's holding you back, and what could strengthen your position.

✓100% Free
✓Takes about 5 minutes
✓No credit check
✓No documents to upload
✓No impact on your credit score
Start my assessment →

▣   Your information is private and secure.
We never share your details without your consent.

EXAMPLE RESULT
Your Readiness Score
✓82/100
Looking Strong
0
100
♙Income & stability98
▤Expenses & commitments88
●Debt & liabilities62
♢Financial conduct91
☆
You're doing well overall.

Main opportunity: Reducing existing debt commitments could strengthen your position.

›
WHAT ARE YOU GETTING READY FOR?

One assessment. Your borrowing goal.

🏠Buying a home→🏦Refinancing→💵Personal loan→💳Credit card→🔄Debt consolidation→🚗Car finance→
WHATEVER YOUR RESULT, WE'LL SHOW YOU WHAT IT MEANS

Not Quite Ready

See what's having the biggest impact and where you could focus.

⚑

Getting There

You're making progress. See what could move you towards a stronger position.

⚑
HOW IT WORKS

A simple 4-step process

1☑

Complete the check

Tell us about your income, housing, expenses, debts and financial history.

2▥

Understand your score

See your Readiness Score and the key factors behind it.

3⌕

Explore your position

See what's helping, what could improve, and how changes could help.

4♙

Take the next step

If you're ready, choose whether to connect with a lending professional.

YOUR PERSONALISED RESULT INCLUDES
✓

Readiness Score

0–100 score with clear red, amber or green readiness signals.

▱

Monthly position

See your income, expenses, commitments and estimated surplus.

☷

What's helping and what's not

Understand the factors impacting your score.

↗

Scenarios that show impact

See how changes could improve your readiness.

⌂

Property & LVR (where relevant)

Understand the LVR position used in your assessment.

◷

Readiness over time

See how your result could change in 3, 6 or 12 months.

WHAT YOU'LL NEED

A few rough figures.
No documents.

Have your take-home income, regular expenses, debt balances and limits, repayments, and the amount you're considering borrowing roughly in mind.

✓   No documents to upload✓   No credit check✓   100% private and secure
Start my assessment →◷   Takes about 5 minutes
♢

Independent & unbiasedWe don't lend money.
We help you be ready.

♙

Connect when you're readyYou choose if and when
to connect.

▣

Safe & secureYour data is encrypted
and never sold.