Bank AReady
94%
Worth confirming with your broker
- No blockers found — a broker can start here today.
Let's get your loan prepared before you speak to a mortgage broker or bank.
5 minutes, no bank statements, no obligation. We compare your details against multiple Australian banks so you walk in already prepared.
Get started
Free, and no account needed to start.
Connect with mortgage brokers
Ready to start your application
Free, no account
No sign-up until you want your report
5-minute form
Straightforward questions, easy to complete
Privacy first
Encrypted in transit and at rest, and never sold
This is your report
Every bank we screened, scored against its own lending policy — who would say yes today, who is close, and exactly what stands in the way. Bank names are masked so you can see where you stand without being chased by sales calls; a broker you connect with can take your case to them directly.
Readiness report·Updated today
You're in a strong position, Sarah.
2 of 9 banks would say yes today, and 2 more are within reach.
2/9
banks ready for you today
Closest fit·Bank A·94% policy match
Across 9 banks
2 yes·2 close·5 no
Where you stand with each bank
4 banks are in reach. Sorted by how close you are.
Bank BReady
88%
Worth confirming with your broker
- Investment LVR not stated in this bank's policy — broker verification required
Bank CClose
71%
What's between you and 100%
- Deposit of 17.5% is below the minimum 20%
- Employment tenure of 4 months is below the minimum 6 months
Show 1 more
Bank DClose
64%
What's between you and 100%
- Derived LVR of 82.4% exceeds the maximum 80%
5 banks aren't a fit right now· worth knowing, not worth chasing
You shouldn't need to call five mortgage brokers or banks to find out if you qualify.
We match your financial information against the actual policies of multiple banks and show you exactly where you stand.
Who says yes, who's close, and what to fix.
Matched against multiple Australian banks
Big banks, mutuals, online-only.
Across multiple banks and lenders.
You're a few steps away
from clarity
Tell us your situation
Income, savings, property goal. No judgement, and no payslips or bank statements. We just need to understand where you're at.
We ask critical questions
Your financial information is matched to multiple banks so we can evaluate the banks that suit your current position.
You get a clear picture
How many can say yes or no and why. Plus what to fix if your profile needs work.
Tell us your situation
Income, savings, property goal. No judgement, and no payslips or bank statements. We just need to understand where you're at.
We ask critical questions
Your financial information is matched to multiple banks so we can evaluate the banks that suit your current position.
You get a clear picture
How many can say yes or no and why. Plus what to fix if your profile needs work.
While we can't say for sure whether your current capacity meets a particular bank's requirements, we'd be happy to put you in touch with a mortgage broker who can help. Working with a mortgage broker not only boosts your chances of getting approved, it also helps you avoid making multiple credit enquiries, which could otherwise make it tougher to secure a loan.
No spreadsheets,
no bank statements,
just straightforward questions.
Four topics of questions, then a quick photo-ID check and an Equifax ScoreSeeker review of your credit score. Both are needed before we can put your report together, and we ask before either happens.
Start the formWork life
Employment type, income, and time in your current role.
Money picture
Savings, debts, dependants, and household type.
The property
Property purpose, target value, and loan amount.
Who you are
Age, visa status, state, and first home buyer status.
Frequently asked questions
Yes. The readiness check is completely free for consumers. You can fill in the form, get matched against real bank policies, and view your report without paying anything. We make money from mortgage brokers and banks who subscribe to receive pre-qualified leads.
We take the financial details you provide and compare them against the actual eligibility criteria from multiple Australian banks. These are the same PDF policy documents a mortgage broker or bank would read. Our system checks income requirements, LVR limits, deposit rules, and more.
Four categories of questions: your work situation (employment type, income, tenure), financial position (savings, debts, dependants), property details (type, value, loan amount), and basic eligibility info (age, visa status, state). That part takes about five minutes and needs no paperwork. At the end you'll also be asked for a photo ID (passport or driver licence) and a selfie so we can confirm it's really you, and for your consent to an Equifax ScoreSeeker review of your credit score.
Your data is encrypted in transit and at rest. We use row-level security on our database so only you can access your information. We never sell your data to third parties, and we only share your details with a mortgage broker if you explicitly request it.
Yes — with your consent, and it's required. We run an Equifax ScoreSeeker review: a view of your credit score that lets us tell you which banks would actually take you. We ask before it happens and never presume it. Without your credit score we can't tell which banks would take you, so we can't put your readiness report together — if you're not comfortable with that, talk to us before you start.
A mortgage broker typically works with a panel of 20-30 banks and lenders and gives personalised advice. We check across multiple Australian banks automatically and show you where you stand before you even talk to someone. Think of it as preparation, not replacement.
We check against multiple Australian banks and lenders covering the big four (CBA, Westpac, NAB, ANZ), mid-tier banks, customer-owned mutuals, and online and specialist lenders.
The questions take about five minutes, and the photo-ID check about two more. Once you submit, your results are usually ready in well under a minute. You can save your progress and come back within 48 hours if you need to step away.
Yes. After creating an account and viewing your report, you can go back and update any of your answers, and your report is regenerated with the new data. One thing to know: if it has been more than 24 hours since your last credit score check, updating your answers runs a fresh Equifax ScoreSeeker review so your report reflects your current position. Inside that window we reuse the score we already have.
Your report shows which banks you likely qualify with, which are close, and which don't match your profile. If you want to take the next step, you can request to be connected with a qualified mortgage broker who will receive your pre-screened profile.