Prepare financially
Complete hubEstablish a safe budget, deposit target and buying-cost estimate before property pressure begins.
Buy a home
The complete buying journey, in order. Each of the seven stages is a full hub — work through them, or jump to where you are now.
Decide what to buy
Complete hubDefine the property — type, new vs. established, layout, condition and ownership tolerance.
Research locations
Complete hubFind where your requirements may realistically exist — prices, transport, schools, planning, environment.
Inspect properties
Complete hubPrepare, observe, choose an inspector, read a report and know when to escalate to a specialist.
Complete due diligence
Complete hubSection 32, contract terms, title, planning and building risk — what to verify before an unconditional contract.
Make an offer
Complete hubPrivate-sale offers, conditions, auctions, vendor and dummy bids, and the cooling-off period.
Settle and take ownership
Complete hubWhat happens at settlement, duty and registration, insurance timing, and building problems found after settlement.
Calculators and checks
Four tools that show their working. Each states what it is not.
Tool
What can I buy?
Your safe top price: the lowest of what a lender allows, what your savings cover and the repayment you can live with.
ToolTrue cost to buy and own
The cash you need to buy and the monthly cost of owning, with each figure from its own source.
ToolStamp duty calculator
Stamp duty and the other government costs of buying, state by state, with each rule linked to its source.
ToolBorrowing power calculator
An indicative estimate of what a lender may offer, not a lender assessment.
ToolLoan quote check
Put the rate a lender quoted next to what new borrowers paid on average, and see what the gap costs.
ToolFirst home buyer eligibility checker
Which first home buyer schemes may apply to your situation, one scheme at a time. General education, not a determination.
ToolVendor disclosure check
Tick off what the seller has given you and see what is missing and what the law in your state says you can do.
ToolPrice statement check
Check a Victorian Property Price Statement against the published rules, and see what to ask the agent.
ToolAuction ceiling
A bid ladder from the reserve up: deposit on the day, stamp duty, scheme caps and where your money runs out.
ToolShould I buy this property?
Your numbers, the lot and the price for one address: what decides the deal, what changes the price, and what to ask before you offer.
ToolLand tax and CGT scenario checker
Worked scenarios showing where Victorian land tax, duty and federal CGT give different answers on the same facts.
General education, not personalised legal or financial advice — it does not replace a licensed conveyancer, solicitor or mortgage broker.