FHB
First Home Buyers
Clarity on how much you can borrow, where to buy, and how to stretch your deposit without compromising lifestyle.
- See realistic suburbs by budget
- Model grants, stamp duty, and repayments
PlanWithHome helps Australians stress-test their property plan in minutes.
Free, education-only planning for first home buyers, property investors and rentvestors. See borrowing, repayments, buffers and risk before you talk to a bank or broker.
See borrowing power estimates, home loan repayments, cashflow impact and a clear plain-English overview in one place.
Home loan calculators with real-world guardrails
PlanWithHome combines a home loan calculator, mortgage repayment estimator and investment property cashflow calculator in one workflow. Every scenario bakes in buffers, combined household income and live repayment stress so you can take a credible plan to your broker or lender.
For first home buyers
Check if your deposit, income and buffers are enough for a realistic home loan in Australia. Understand repayments, LVR and rate risk before you commit.
Open the First Home Buyer calculator →For property investors
Model rent, holding costs and cashflow to see if an investment property stacks up. Explore interest-only vs P&I and stress-test higher interest rates.
Open the Investor calculator →For tech-savvy planners
A transparent, independent tool instead of lead-gen calculators. Share a plan snapshot or PDF with your broker, adviser or partner.
Open the Investor calculator →How PlanWithHome works
1. Enter your scenario
Purchase price, deposit, income, state and basic expenses for your first home or investment.
2. We crunch the numbers
See estimated borrowing, home loan repayments, LVR, cash buffers and simple stress tests.
3. Review, download, discuss
Get a clear overview and optional PDF snapshot to discuss with a licensed broker or adviser.
Value props
Tailored to every strategy
Investor
Property Investors
Forecast yield, cashflow, and equity release opportunities so every purchase ladders into the next.
- Stress-test rent and rate changes
- Balance yield vs growth across states
Hybrid
Hybrid (Live + Rent)
Plan dual-purpose assets where you live part-time, rent the rest, and keep an upgrade path open.
- Track split personal/portfolio goals
- Mix lifestyle upgrades with returns
FAQ
Answers before you commit
We work directly with brokers and buyers advocates to keep assumptions grounded in today's lending policies, not last year's hype.
- What does AI Property Planner do?
- It ingests your savings, borrowing power, preferred states, and strategy to highlight the next viable purchase plus the steps to get there.
- Where does the data live?
- Profiles and scenarios are stored in Supabase in Australia. You can export every plan as a PDF or shared link whenever you like.
- Is this only for investors?
- Nope. We support first home buyers, seasoned investors, and hybrid live/rent strategies with tailored guardrails for each persona.
- When is the waitlist opening up?
- Private beta invites roll out weekly. Joining the waitlist gives you early access, roadmap previews, and concierge onboarding.
PlanWithHome is education-only.
We help you understand the shape of your numbers before you talk to a bank or broker.
We don’t recommend specific loans or lenders.
We don’t sell your details to random call centres.
Built in Australia, focused on transparent property planning tools.
Built for transparency, not lead farming
PlanWithHome is an independent, education-only tool. We don't recommend specific lenders, we don't provide credit advice, and we don't sell your details to random call centres. Use it to have a clearer, more informed conversation with your own broker or adviser.
Waitlist
Be first to access concierge planning
Submit your email and pick the strategy you care about most. We'll onboard the next cohort weekly and invite you to live planning sessions.