What does the readiness score actually mean?

It's a 0-100 indicator across four dimensions (finances, lifestyle, market knowledge, emotional readiness). Above 80 means most pre-purchase boxes are checked; 60-80 suggests a few clear gaps to close; 40-60 suggests some gaps that may be worth reviewing first; below 40 suggests you're in the early stages. It is not a lender pre-approval - banks check your borrowing power separately.

How are the four dimensions weighted?

Equally. Each dimension contributes 25% to the final score. We weight them equally because the dimensions you score weakest on are usually the ones that scuttle a purchase - finance gaps don't compensate for emotional unreadiness and vice versa.

Why doesn't my state change my score?

One question (your state or territory) is context only. It points the checklist to the right stamp duty rules and grants rather than changing the numeric score. Every other answer, including planned life changes like kids or a move, counts towards its dimension.

Can I retake the quiz?

Yes - go back to the start and re-answer any question. The score updates as soon as you finish. We don't store your answers; refresh and they're gone.

Is this financial advice?

No. The checklist points to free tools and links to government schemes. For personal advice, talk to a licensed mortgage broker or financial planner.

Plan - Readiness diagnostic

Am I Ready to Buy?

A 12-question diagnostic that scores your finances, lifestyle, knowledge, and emotional readiness.

About 3 minutes
12 questions plus your state
Free, no sign-up

Am I actually ready to buy?

You'll see a score, a breakdown by dimension, and a checklist of common next steps to consider.

Finances, lifestyle, market knowledge and emotional readiness each count for a quarter of your score
Everything is worked out in your browser. Your answers are never stored.

This is a self-assessment tool. Results are general information based only on what you enter, not personal financial advice.