Do I qualify to borrow and build?
Find out where you stand. Tell us a little about your income, deposit, and goals, and a finance specialist will come back with an indicative borrowing capacity and the house & land pathways that suit you.
Indicative only and not a loan approval or financial advice.
Four things that shape your borrowing capacity
You do not need to be an expert — that is what we are here for. But understanding these four areas helps you see what we are assessing and why.
Income & serviceability
Lenders assess your capacity to service the new loan alongside existing commitments. Steady PAYG income simplifies this; self-employed applicants need up-to-date financials and tax returns.
Deposit or equity
A deposit from savings, existing equity, or a combination gives you options. Most investment builds require a meaningful contribution, and equity in a home you own can often substitute for cash savings.
Credit history
A clean credit file strengthens your application. Minor issues do not automatically disqualify you — we can review your position and identify lenders who may still accommodate your situation.
Existing debts & position
Current loans, credit cards, and other properties all factor into serviceability. The number of properties you already hold also influences which lenders and structures suit you best.
A clear, four-step assessment
From submission to a clear answer, the process is straightforward and respectful of your time.
- 1
Submit your details
Complete the short assessment below — it takes about two minutes and there is no obligation.
- 2
We review your position
A finance specialist reviews your income, deposit, debts, and goals to map your indicative borrowing capacity.
- 3
You get a clear answer
We come back with an indicative capacity range, suitable package pathways, and the structure that supports your goals.
- 4
Next steps, your choice
If you wish to proceed, we move into qualification, package selection, and finance structuring — at your pace.
Tell us about your position
Share a few details and a finance specialist will come back within one business day with an indicative capacity and pathway recommendation.
Information provided is general only and does not constitute financial, tax, or legal advice. You should seek advice from a qualified professional before making investment decisions.
Fast response
No long waits for an indicative answer.
Built for your goals
Assessed for your goals and not just approval.
No obligation
Only proceed if and when you are ready. No pressure, ever.
Common questions about qualifying
Is this a formal loan approval?
No. This is an indicative assessment based on the details you provide. A formal approval requires a full loan application with supporting documents and lender assessment.
Does it cost anything?
No. The assessment is free and without obligation. You only proceed further if and when you choose to.
What if I am self-employed?
Self-employed applicants are welcome. Having recent tax returns and financials ready helps us give you a more accurate indicative capacity.
Can I use equity in my home instead of cash savings?
Yes. Equity in an existing property can often serve as your contribution. We will review how much usable equity you have as part of the assessment.