First home buyers · Australia-wide
CredoraLend for first home buyers
Buying your first home in Australia is easier when you know your numbers first. Use free calculators to estimate borrowing power and affordability, then—only if you want—connect with a licensed mortgage broker who understands grants, schemes, and lender policies in your state.
Start in two minutes
No obligation to speak to anyone. Calculators are estimates only—not credit advice.
Step 1
See how much you might borrow
Use our borrowing power calculator with your income, expenses, and deposit—no credit check.
Step 2
Stress-test a property
Plug in a price (and optional address) to see if a home fits before you fall in love with it.
Step 3
Get a readiness snapshot
Take the owner-occupied quiz for a structured check—OTP-verified if you proceed toward a broker.
Ready for a tailored check?
Owner-occupied purchase quiz—about 2–3 minutes. All Australian states and territories.
Learn more
- Mortgage readiness guide — what lenders typically look at before approval.
- All borrower pathways — refinance, investment, self-employed, and more.
- Contact — questions before you start.
CredoraLend AI is not a credit provider and does not provide credit advice. We connect borrowers with licensed mortgage brokers. Government grants and schemes vary by state; confirm eligibility with a qualified professional.