See which government scheme you qualify for — Help to Buy, the First Home Guarantee, or standard lending — plus your maximum purchasing capacity, an affordability check and your stamp duty bill. All in one free 2-minute check. The only calculator of its type in Australia.
Free · No credit check · No obligation. A real broker reviews every scenario — if a scheme isn't right for you, we'll tell you straight.
Government schemes, price caps, income limits, stamp duty exemptions and borrowing power are spread across state and federal rules — and they change every year. This one calculator pulls them all together: which scheme you qualify for, your maximum purchasing capacity, an affordability check and your stamp duty bill, in a single result.
Run my checkHelp to Buy (2% deposit, up to 40% shared equity), the First Home Guarantee (5% deposit, $0 LMI) or standard lending — the calculator works out which you qualify for against your income, citizenship, savings, state caps and property type.
Not just how much a bank will lend — but your true max purchase price after upfront costs, stamp duty, fees and the scheme structure, stress-tested at the APRA serviceability buffer so the number is realistic.
Your estimated monthly repayment and your exact state stamp duty — including NSW & VIC first-home exemptions and the $0–$10k+ grants you'd otherwise miss. Most buyers leave thousands on the table.
There is no other calculator that combines scheme qualification, max buying power, affordability and stamp duty for every state and territory. Use it, then let a broker turn the result into a pre-approval.
Answer a few quick questions about your situation and we'll instantly show which scheme you qualify for, your maximum purchasing price, an affordability check and your stamp duty — then help you get your pre-approval organised with a broker. Free, no credit check, no obligation.
This decides which schemes and income caps you're assessed against. We only need ballparks.
This helps us prioritise your pre-approval — and nothing here affects your credit score.
Lenders assess on gross income, your living costs and liabilities. Ballparks are fine — nothing here touches your credit score.
Scheme price caps and stamp duty differ by state and zone. Best guess is fine.
Enter your details and we'll show your full assessment — our team will review your figures and call or email you to discuss further. Usually back within one business day. No credit check, no obligation.
A broker reviews your check — scheme eligibility, buying power, stamp duty — and confirms the figures against current lender criteria.
Help to Buy, the First Home Guarantee or standard lending — priced across 30+ lenders to give you the best shot at approval.
We run a formal pre-approval so you know exactly what you can offer — and shop with confidence.
From offer to settlement, we manage it end-to-end. Ongoing reviews included so you always know where you stand.
★★★★★ 5.0 rating on Google Reviews
"David helped us secure a significantly sharper rate on our home loan than we thought possible. Thanks again David!"
"Hussain, David and team have been truly amazing in obtaining finance for several properties… their ongoing support has been life changing."
"They guided us through the entire process with clear communication, professionalism and genuine care… truly stress-free."
Four things in one result: which government scheme you qualify for (Help to Buy / First Home Guarantee / standard lending), your maximum purchasing capacity, an affordability check (monthly repayment), and your state stamp duty. It's the only calculator in Australia that combines all four.
No. This quick check is purely a calculation on the numbers you type in — no credit enquiry, no impact on your score. A formal pre-approval later does trigger a credit check, which can have a small, temporary effect. We minimise that by only applying when you're ready.
Help to Buy lets you in with a 2% deposit while the government co-owns 30–40% of your home (which you can buy back later). The First Home Guarantee needs a 5% deposit, waives LMI, but you own 100%. The check works out which one you qualify for — and if you're eligible for both, you can compare them side by side.
Often not — but it depends on your state and purchase price. NSW exempts first homes up to $800,000 (with concessions up to $1m), and Victoria fully exempts up to $600,000. The calculator computes your exact stamp duty (and flags "$0" when you're exempt) for every state and territory.
Income and household details are how every scheme and lender assesses eligibility — they let us tell you up front what you truly qualify for, rather than guessing. Contact details let us send your results and get your pre-approval started. Nothing is shared, ever.
Our service is free to you — the broker is paid by the lender at settlement. There can be third-party costs (like valuation or LMI in some cases), which we itemise before you commit to anything. No surprises, ever.
Run the check today, get your pre-approval started — a pre-approval takes about 2–7 days on average, depending on the lender. Once approved, you're ready to offer on the right property the moment it comes up.
Run the two-minute check for your scheme, buying power, affordability and stamp duty — then let a broker turn it into a pre-approval. Or talk to us today on (02) 8609 3232. No obligation, no pushy sales tactics. Ever.
Talk to David or Hussain — licensed Australian mortgage brokers with 20+ years of lending experience.