Keys Down Under

What you can borrow
is the easy number.

We show everything the calculators leave out.

Free, independent tools for buying your first home in NSW. No loan referrals. No commissions.

Start your plan, free2 minutes · no credit check
Plan
$54k
to get in
Deposit$32.5k
Stamp duty$0 · FHB
LMI$13k
Fees$4k

On a $650k home · stamp duty waived · LMI applies

Decide
Year 8
buying pulls ahead
Buy net wealth yr 30+$1.2M
Rent net wealth yr 30+$880k
VerdictLeans buy
Break-evenYear 8

30-yr simulation · 6.2% rate · 5% price growth

Explore
31
suburbs in reach
Macquarie Park$1.05M
Ryde$870k
Epping$830k
Commute23 min CBD

Sydney metro · on an $863k borrow

What you get

Three tools built around your numbers, not a bank’s.

01Plan

The real upfront cost

Deposit, stamp duty, LMI, and every first-home concession — calculated to the cent for your situation. Know the real number before you look at a single property.

Calculate your numbers
02Decide

Buy now, or keep renting?

A full 30-year simulation — buying versus renting-and-investing — on your numbers. Stress-test rate rises, price falls, and special levies before you commit.

Run the simulation
03Explore

Where you actually fit

Real NSW Valuer-General sale medians with commute times and school catchments. When a suburb is out of reach, we surface the nearby ones that aren't.

Explore suburbs

Plan

Not just the loan.
Everything.

Every dollar you need in the bank: deposit, stamp duty, LMI, and legal fees — with first-home concessions applied. The number your bank won’t tell you.

See your numbers
Upfront cash to buy
$197,600
Deposit $162k
LMI $13k
Fees $4k
Duty $0 · FHB
Net wealth · buy vs rent-and-investBreak-even yr 8
● Rent & invest● Buy

Decide

Should you even buy?

Simulate your full 30-year journey: buying versus renting-and-investing on your numbers. Stress-test rate rises and price falls. Toggle Numbers for Nerds to see every figure.

Run the simulation

Explore

Sydney, shaded by your budget.

Real NSW Valuer-General sale medians. Commute times to your workplace. School catchments. When a suburb’s out of reach, we show the nearby ones that aren’t.

Explore suburbs
FitsStretchOver

Plan — schemes & grants

Stop losing weekends to government PDFs.

FHBAS, FHOG, First Home Guarantee, FHSSS — we explain what each is worth and the strings attached.

FHBAS
Stamp duty waiver
Under $800k? Likely $0 duty. We calculate your exact number and show the price cliff above it.
FHG
First Home Guarantee
5% deposit, no LMI, government guarantee. We lay out the trade-offs and residency rules clearly.
FHOG
$10k grant
New homes only. We show the eligibility criteria so you can check them against your purchase.
FHSSS
Super Saver scheme
Grow your deposit inside super, tax-advantaged. We show how much it could speed up your timeline.

On the roadmap

Find & Own — coming next.

The three tools above are live. Two more stages are being built in the open and added as they’re ready.

SoonFind

Shortlist properties, track inspections, compare every listing against your actual upfront numbers.

SoonOwn

Walk through offer, strata review, exchange, and settlement — step by step, in plain English.

Built in public · Sydney

“I got tired of piecing this together from bank calculators and government PDFs. So I’m building what I wish I’d had — while I buy my own first home.”
H
The founder
Building in public · Sydney

See your real numbers
in two minutes.

Plan · Decide · Explore — all free, all independent, all yours.

Start your plan, free