4-minute first-home readiness checkYour first home shouldn't become your most expensive learning experience.
One overlooked detail can mean lost grants, unexpected costs, a property your lender won't accept, or a home that simply doesn't fit your future.
Take the First Home Score™ to uncover gaps in your preparation before you bid, sign or commit.
• Takes 3–5 minutes • Instant personalised result
Being ready to borrow and being ready to buy are not the same thing.
Before you buy, can you confidently answer these?
Do you know your comfortable buying range, not just the maximum a lender may approve?
Do you know whether one extra bid could affect a government scheme or concession you're relying on?
Do you know whether the property you choose will actually be acceptable to your lender, even if you already have pre-approval?
Do you know what should be checked before signing a contract or bidding at auction?
Do you know which compromises are safe to make, and which could leave you regretting the home you bought?
Would the home you're considering still suit your life three to five years from now?
If you're not completely sure about every answer, that's exactly what the First Home Score™ is designed to uncover.
Small gaps in knowledge can have expensive consequences.
A first-home-buying couple bid just $5,000 above a government scheme threshold at auction.
They believed the extra $5,000 would make little difference.
But crossing the threshold meant they lost eligibility for the benefit they were relying on, and ultimately faced more than $15,000 in lender's mortgage insurance.
The lesson: The expensive mistake was not the extra $5,000 bid. It was not understanding the consequence of crossing the threshold.
Another couple had mortgage pre-approval and successfully bought a property at auction.
They later discovered that the property itself was not acceptable security to the lender who had pre-approved them.
The lesson: A mortgage pre-approval does not automatically mean every property you choose will be acceptable to that lender.
These weren't careless buyers. They simply didn't know what they didn't know.
You're an expert in your field, not in home buying. You shouldn't have to make the biggest purchase of your life through trial and error.
You may be highly experienced in medicine, engineering, technology, corporate life or running your own business.
But buying your first home involves a completely different set of decisions: finance, property, contracts, risk, negotiation and long-term planning.
And unlike your career, you don't get years of training before your first attempt.
The First Home Score™ gives you a quick way to see where you're well prepared and where you may still have blind spots.
Designed for Indian professionals and families preparing to buy their first home in Australia.
In around 4 minutes, discover how prepared you are across three critical areas.
Borrowing Power Control
Do you know what you can borrow, what you can comfortably afford, and how your finance should work for you?
Future-Fit Clarity
Do you know what home actually fits your lifestyle, future plans and priorities, and where you're prepared to compromise?
Confident Buying Plan
Do you understand the process, the risks to check and how you'll approach offers, negotiations and auctions?
Your personalised results will show:
Get my First Home Score →• 3–5 minutes • Instant personalised result
Your overall First Home Score
A clear readiness score so you know exactly where you stand today.
Your score across all three areas
Borrowing Power Control, Future-Fit Clarity, and Confident Buying Plan.
Your strongest area
What you've already prepared well, so you can build on it.
Your biggest readiness gap
The area most worth your attention before you start looking seriously.
Practical next steps
Clear, jargon-free guidance to improve your position.
Your first home isn't just somewhere to live.
For many families, it becomes the first major building block of their financial future.
Getting the first purchase right can give you a stronger foundation for whatever comes next: upgrading your home, investing, building a share portfolio, starting a business, or simply having more financial choice.
The objective isn't to buy the biggest home the bank will let you buy.
It's to make a first-home decision that works for your life today without compromising your options tomorrow.
• 3–5 minutes • Instant personalised result