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Financial preparation plan

A ten-part workspace for your position, targets, government programmes to investigate, loan-comparison notes, application documents and questions for a professional — saved only in your browser, printable or exportable as a PDF to take to a lender, broker or financial counsellor. No score, no "you can afford this" verdict.

Your position

Current savings toward a deposit

Net household income (monthly)

Essential expenses (monthly)

Existing debt repayments (monthly)

Emergency buffer target (see the maintenance-buffer and income-interruption guides)

Purchase targets

Purchase-price range — minimum

Purchase-price range — maximum

Deposit target

Target timeframe to buy

Buying-cost and repayment reference

Estimated buying costs (from the buying-cost calculator)

Estimated repayment (from the safe-budget & repayment tool)

These two figures are yours to fill in from the buying-cost calculator and the safe-budget & repayment tool — this workspace doesn't recompute them itself, to avoid two calculators silently drifting out of sync.

Government programmes to investigate

Australian Government 5% Deposit Scheme — read the guide
Help to Buy Scheme — read the guide
First Home Super Saver Scheme — read the guide
Victorian duty exemption/concession — read the guide
Victorian First Home Owner Grant — read the guide
Off-the-plan duty concession — read the guide

Notes on programme eligibility to confirm

Loan-comparison notes

Loan-comparison notes (rates, fees, features you're weighing up)

Application documents

Identity documents
Recent payslips or tax returns (self-employed)
Employment confirmation
Savings and asset statements
Existing debts, credit cards and BNPL accounts listed
Evidence of deposit source, incl. gift letter if applicable
Free credit report checked (see credit reports guide)
Government-programme eligibility documents

Questions for a professional

Questions to ask a broker, lender or conveyancer

This workspace is for your own reference. It is not submitted anywhere, does not check eligibility for any scheme, and is not a lender's serviceability assessment — see the safe-budget and government-support guides for those. It does not tell you whether you can afford a property.

Read the preparing-financially overview → Safe budget & repayment stress tester →

Delora · Independent Australian property education and research, initially focused on Victoria

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Delora

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Delora provides general property education and information, not personal legal or financial advice, and is not a substitute for a licensed conveyancer, solicitor or financial adviser. Suburb-level figures are indicators, not a valuation of any individual property — always confirm the specific parcel and obtain professional advice before signing a contract of sale.