Is PlanWithHome a lender or broker?
No. PlanWithHome is an independent, education-only toolkit—there are no lender kickbacks or broking commissions influencing the guidance.
PlanWithHome
First Home Buyer Calculator & Planning Tool for Australians
Stress-test your deposit, repayments and buffers before you sit down with a bank or broker. No lender kickbacks, no lead farming—just realistic numbers.
Built for Australian first home buyers so you can plan confidently and share your scenario with brokers or advisers.
What this helps you answer
- Can we afford the suburb or price we have in mind?
- Is our deposit plus savings buffer enough for lender requirements?
- What happens to repayments and cashflow if rates rise?
How it works
Enter your price, deposit, income, state and expenses. We estimate repayments, LVR, cash buffers and stress scenarios.
Why PlanWithHome
Independent, education-only modelling with no lender promotions. Export share links or PDFs to discuss with your broker.
FAQs
Does this replace a credit assessment?
It does not replace a personalised credit assessment. Use it to understand your numbers first, then verify them with a licensed broker or lender.
Is PlanWithHome free to use?
Yes. You can model scenarios, run stress tests and export summaries for free so you stay in control of the process.
Ready to see if your deposit and repayments stack up? Build a live scenario in minutes.
Start your plan