How much could you actually borrow for a home + are you ready now?

First Home Quiz
How much could you borrow?

Answer a couple of quick questions for an instant, no-obligation estimate.

More dependants means higher living costs, which affects how much you can borrow.

Applicant 1 income
$

Before tax and deductions — not what lands in your account.

Applicant 2 income
$
$

Please fill in the required fields above.

You could potentially borrow around
$0 – $0

A rough estimate based on your income, deposit and everyday living costs. Not a pre-approval.

But would a bank actually say yes?

The number above is only half the picture. Timeline, debt, and how your income is set up all affect whether a bank will actually lend you that much.

Quick readiness check
A few more questions

This is what actually determines whether you're ready to talk to an adviser now, or what to work on first.

Applicant 1 — income type
Applicant 2 — income type
$

Please answer all questions above.

Almost there

Pop in your details and I'll show you your full readiness result and refined borrowing estimate.

By submitting you agree to be contacted by Tim McGill, Mortgage Adviser at Guardian Smith Mortgages.

✓ You're in a strong position
You look ready to talk to an adviser now.

Based on what you've told me, your refined borrowing estimate is:

$0 – $0

This is an estimate only, not a pre-approval.

I'll personally review your details and be in touch shortly to talk through the process, your options, and your next steps.

In the meantime, if you'd rather just book in a time to have a chat now, grab a slot below. Pick a time that works for you.

Tim McGill
Getting there
You're getting close to being ready to talk to an adviser. There's just a bit to work on first.

Based on what you've told me, your rough borrowing estimate is:

$0 – $0

This is an estimate only, not a pre-approval.

I'll personally review your info and send you an email with a bit more detail on exactly what to work on. We can put together a plan to get you ready to find your own home.

I've also got a free email course that covers everything about buying your first home. How to get ready, what's actually involved, the process from saving to settlement, and a few tips along the way. Short daily emails, under 2 minutes to read.

Tim McGill