Check Your Home Loan Readiness
Before a bond application, check bureau records, household costs, enquiries and income documents.
THE INSTALMENT AND THE WIDER HOUSEHOLD COSTS
Keep the whole monthly picture in view
FOUR QUESTIONS · YOUR OWN RECORDS
Review your preparation
Choose Not yet or Yes for all four questions, then select Show my next step. Your result explains the preparation still to review and lets you request guidance.
Review your home-loan preparation
Answer four preparation questions. Your answers stay on this page until you choose guidance; nothing is submitted until you send the enquiry form. These checks do not establish affordability or credit approval.
THE SAME CHECKLIST, AT YOUR PACE
Review the four preparation areas
Work through each question using your own records. Note what still needs attention, then read the Home Loan Readiness guide without using the selector.
01
Credit profile
Have you reviewed reports and known factual errors?
Keep bureau information, possible factual errors and unresolved disputes together for review.
02
Household costs
Have you budgeted for instalments, rates, insurance, levies and ownership costs?
Consider instalments, rates, insurance, levies, repairs and possible rate changes.
03
Recent applications
Have you reviewed recent enquiries and avoided unnecessary repeat applications?
Use the enquiries on your reports when reviewing recent application activity.
04
Income and expenses
Have you prepared income and expense documents?
Have income evidence, bank statements, debts and monthly expenses ready.
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