One thing is keeping you from your next property.
This free scorecard shows you what it is, scored on the four C's a lender grades you on.
Get your readiness scorecard.
Pop in your details and you'll go straight into the scorecard. Answer six quick questions and your full results show up on the spot. No forms at the end, no waiting.
The four things every lender scores you on.
Character
How you've handled credit, and how settled you are. Repayment history, defaults, time in your job. It's the C that takes longest to build, so lenders weigh it heavily.
Capacity
Your room to repay. Income against your existing commitments, tested at a rate well above today's. This is where most applications are won or lost.
Capital
What you bring to the table. A cash deposit, or usable equity in a property you already own. More capital means less risk for the lender and more room for you.
Collateral
The property itself, as security. Lenders value different property types differently, and two lenders can value the same home tens of thousands apart.
Komay is a residential property specialist who helps Australians buy their first investment property and build on the ones they already own. He runs the four C's over every file himself, with access to a broad panel of lenders through LMG, so the read you get is the same one he gives paying clients.
If your scorecard lands somewhere worth a conversation, book in. Komay reads it back, flags what a lender will push on, and you decide from there.
Know your weak link?
Book a 15-minute readiness call. Komay reads your scorecard back, shows you the fastest way to lift your weakest C, and maps the path to your next property.