01
Start with borrowing power, not the property
Before you fall in love with a specific property, it helps to understand the range you may be able to service. Borrowing power is shaped by income, regular expenses, deposit size, existing debts, credit commitments, and lender criteria.
A calculator can give a useful early range, but it is not a decision. The real value is knowing what information an adviser may need to review next.
02
Your deposit is more than one number
A deposit can include savings, equity, eligible support, or other verified funds. First home buyers should also think about how much cash remains after purchase costs, moving costs, and the first months of ownership.
A larger deposit may improve options, but the right structure still depends on your full situation.
03
Prepare your information early
Useful early documents can include proof of income, bank transaction history, savings evidence, identification, and details of debts or regular commitments.
Sparx is designed to make this preparation clearer. Open banking and identity checks should be consent-led and easy to understand before they happen.
04
Use adviser review before making decisions
A licensed financial adviser can review the details behind your estimate, explain trade-offs, and help identify next steps. This is especially important if your income is variable, you have family support, or your deposit is coming from multiple sources.
General information only.
This guide is educational content. It is not financial advice, a loan approval, or an offer of finance.
所有方案须经持牌金融顾问人工终审.