Free interactive quiz · about 60 seconds

Are You Ready to Buy a House?

Six quick questions on your savings, debt, income and credit. Get an instant readiness score and a suggested next step — no sign-up, nothing saved.

0 of 6 answered

1. Have you saved for the down payment and upfront costs?

Yes — 10% deposit plus extra for stamp duty and legal fees Almost — I have most of the deposit Not yet — I haven't started saving

2. How much of your take-home pay already goes to debt (car loan, cards, PTPTN)?

Under 30% Between 30% and 50% Over 50%

3. How stable is your income?

Permanent job, 2+ years, steady pay Under 2 years or still on probation Irregular or freelance income

4. Your credit health — any missed loan or card payments in the last 12 months?

None — I pay on time One or two late payments Several late payments or a default

5. After paying the down payment, would you still have an emergency buffer?

Yes — 3+ months of expenses saved Roughly one month No — it would use up my savings

6. How long do you plan to keep the property?

5 years or more Between 3 and 5 years Under 3 years or not sure

Answer all six questions to unlock your result.

This quiz is a general self-assessment guide only, not financial advice, and does not guarantee loan approval. Banks assess each application on their own criteria. See our full Disclaimer.