Free check — no numbers needed

Am I borrowing-ready?

A quick self-check to see where you stand before a borrowing power conversation. Answer honestly — there's no wrong answer, and every result ends the same way: with a clearer picture of your next step.

Six quick questions

Pick whichever answer fits best for each one.

Question 1 of 6

How stable is your employment or income?

Question 2 of 6

How much have you got saved for a deposit?

Question 3 of 6

How much other debt are you carrying?

Question 4 of 6

How's your repayment history looked over the last couple of years?

Question 5 of 6

How would you describe your everyday living expenses against your income?

Question 6 of 6

What do you know about your credit file?

Your result

Let's see where you stand

Answer the questions on the left — 0 of 6 answered so far.

ℹ️ This isn’t a loan pre-approval, credit assessment or a number to borrow against — it’s just a quick, informal guide to get the conversation started. Every lender assesses applications differently, and the only way to know for certain is a proper assessment with us.

JNT Finance

📞 0439 540 550

✉️ james@jntfinance.com.au

This self-check provides general information only and isn't personal financial or credit advice. It doesn't assess your eligibility for any loan or product, and results shouldn't be relied on to make a financial decision. JNT Finance, Credit Representative 545606, is authorised under Australian Credit Licence 422284, held by R1 Investments Pty Ltd trading as RateOne Home Loans.