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Are you ready for a home loan?

Eight quick questions covering what lenders look at. You'll get a readiness score and practical next steps.

Answer yes or no

1. Have you been in your current job (or self-employed) for at least 6 months?

2. Have you saved at least 5% of the price you want to pay?

3. Have you been saving regularly for at least 3 months?

4. Do you have money set aside for stamp duty, legal fees and inspections?

5. Are your credit cards, personal loans and buy now pay later accounts under control?

6. Have you paid all your bills and debts on time over the last two years?

7. Do you know roughly what you spend each month?

8. Could you comfortably afford repayments if rates rose by 3%?

Your readiness

0%

    Book a First Home Buyer session

    What happens next

    Claire runs a dedicated First Home Buyer session, via Zoom or in person, covering how much you need to save, the grants and schemes you may be eligible for, and what the whole process looks like from start to settlement. It's free and there's no obligation.

    Related: how much could I borrow? and how to save for your first home.

    Important: This calculator gives estimates only, for general information. It isn't credit advice and doesn't take into account your objectives, financial situation or needs, or any particular lender's credit policy. Results rely on the figures you enter and the assumptions described on this page, and actual rates, fees, government charges and lending decisions will differ. Talk to Claire before making a decision.

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    Want real numbers from real lenders?

    Calculators are a starting point. Claire compares options across her panel of lenders and works out what you can actually get.

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