0
/100
Your DeltaMap Score
Complete your assessment to get your score
Based on your financial position — closes in as you take action.
DEMO MODE
Your DeltaMap
Wednesday, 22 April 2026
Step 1 — What you need on settlement day
Total upfront cash required (based on $700,000 purchase price )
💡 This is the total cash you need ready on settlement day. It includes your deposit to the seller (10% of purchase price) plus stamp duty, LMI and conveyancing costs which are paid separately on top.
$251,100
$
20 months
to reach this goal
Breakdown
Deposit (10% of purchase price)
Minimum required by most lenders
$150,000
Stamp duty
Government transfer tax
$82,500
Lenders Mortgage Insurance (LMI)
Applies when deposit < 20% — protects the lender
$16,500
Conveyancing + building inspection
Legal transfer + pre-purchase report
~$2,100
Total upfront cash needed
$251,100
Step 2 — What you currently have
Total available funds
$175,000
$
Cash savings
$5,000
Usable equity
$0
Est. borrowing power EST
$1,570,000
Tap for exact number →
Progress toward upfront total 70% there
Step 3 — Your gap to close
Cash still needed
$76,100
20
months away
saving $2,000/mo
🎁
Check grants
Free money available
💡
Gap actions
Close it faster
🏷️
Daily deals
Save more today
💰 Monthly savings
$2,000
Current rate
$
📉 Interest rate
6.14%
CBA variable, today
🏦 LVR at purchase
92%
Above 80% = LMI applies
🏦 Borrowing Power Estimate Only
Your actual number could be higher — or lower.

DeltaMap's borrowing estimate uses the standard APRA 3% serviceability buffer and publicly available rates — a solid starting point. But every lender scores your application differently based on your exact tax situation, HEM benchmarks, credit card limits, and loan type. A broker compares 40+ lenders in one go and gives you a verified figure — usually in under 24 hours. It's free and doesn't affect your credit score.

Get My Exact Number — Free → Compare on Lendi →
Free service · No credit impact · DeltaMap may receive a referral fee
Top matched listings
View all →
Top gap-closing actions
View all →

DeltaMap provides educational estimates only and does not constitute financial advice. Borrowing power is illustrative based on standard lender serviceability tests. Interest rates sourced from publicly advertised rates and subject to change. Always consult a licensed mortgage broker or financial advisor before making property decisions. © 2026 DeltaMap Pty Ltd.

Matched Listings 🏠
Properties within your borrowing power
🔗 Search live listings on realestate.com.au
Pre-filtered to your suburb and budget — opens in new tab
↗
Any type
🏡 House
🏢 Unit / Apartment
🏘 Townhouse
🌿 Land
Any bedrooms
1+ bedroom
2+ bedrooms
3+ bedrooms
4+ bedrooms
5+ bedrooms
Any bathrooms
1+ bathroom
2+ bathrooms
3+ bathrooms
Any parking
1+ car space
2+ car spaces
All zones
🟢 Affordable today
🟡 Aspirational (up to target)
Best match
Price: Low → High
Price: High → Low
Most bedrooms
0 properties
Affordable today (≤ borrowing power)
Aspirational gap (up to your target)
Up to 10% above target
⚠ DEMO — positions are illustrative. Live property coordinates load once Domain API is approved.
Gap Actions 💡
Tick each action as you complete it — your DeltaMap Score updates instantly
0 of 0 completed
⚠️
Tax note: Actions below are grouped by type. Income-generating actions (such as interest earned on savings accounts or rental income) are assessable income under Australian tax law and must be declared in your tax return. They may also affect your eligibility for some government grants and concessions. Cost-reduction actions reduce your spending and are not taxable. Always consult a qualified accountant or financial advisor before acting.
✂️ Cost Reductions NOT TAXABLE

These actions reduce what you spend. The money you keep is yours — no tax implications.

🏛️ Government Grants & Schemes GENERALLY NOT TAXABLE

First home buyer grants and government co-contribution schemes are generally not assessable income. Confirm with your accountant as rules can change.

💰 Income-Generating ⚠ TAXABLE INCOME

These actions generate income that must be declared in your tax return. Interest earned on savings accounts, rental income, and investment returns are all assessable under Australian tax law. Factor in your marginal tax rate when estimating net benefit.

Grants & Schemes 🎁
Government support available to you
Your Roadmap 📈
Step-by-step from today to settlement
Scenario Compare 📉
Side-by-side comparison of your saved scenarios
2 scenarios
Saved Scenarios
Max 3 · tap Load to view · tap Delete to remove
⚡ What-if mode — exploring changes
These are temporary. Save to keep them, or reset to restore originals.
Savings progress to deposit goal — month by month
Key figures at a glance
💡 Tap any highlighted value to edit and see the chart update live
Daily Deals 🏷️
Save money today, buy property sooner
Updated daily

Every dollar you save through these deals goes directly toward your deposit. We calculate the annual impact so you can see exactly how much each habit is worth.

Your annual deal savings
If you used all deals above
$4,380/yr
That's 1.8 months off your property timeline.
Calculator 🧮
Standalone tools — type any values to see results instantly
💡 How to use: Type into any field — results update instantly, no button needed.
Borrowing Power — enter income, expenses and debt to see what a bank would lend you.
What-If Slider — drag to see how saving extra per month shortens your timeline (uses your current DeltaMap figures).
LMI Calculator — enter any purchase price and deposit to estimate your Lender's Mortgage Insurance cost.

Borrowing Power

$
$
$
Estimated borrowing power
—
Based on 6.14% variable rate, 30yr term

What-If Simulator

$0$3,000
If you saved an extra $500/month
10 months
instead of 14 months — saving 4 months

LMI Calculator

$
$
Estimated LMI
—
Enter values above
My Plan 📊
Your roadmap to property ownership
Money Hub 💡
Every dollar counts — tools and strategies to save more, find hidden money, and accelerate your property goal
⚖️ General information only — not financial advice. DeltaMap (ABN 89 225 131 894) may receive a referral commission when you click through to partner products. This does not affect our recommendations. Always consider your personal circumstances and consult a licensed financial adviser before acting.
💸
Found Money
Money that may already be yours — you just need to claim it. Zero risk, pure upside.
💰
Unclaimed Money — Search All Sources
FREE · No commission · Takes 5 minutes
There is over $2.6 billion in unclaimed money held across Australian federal and state government registers — from forgotten bank accounts, shares, life insurance, dividends and gaming winnings. Searching is completely free.

Unclaimed money is spread across multiple registers depending on its source. Search all three that apply to you — they are separate databases and a name on one won't appear on another.

1
ASIC / MoneySmart — bank accounts, shares, life insurance policies. Search by name at MoneySmart (link below).
2
VIC State Revenue Office — dividends, cheques, gaming winnings held in Victoria. Search at sro.vic.gov.au (link below).
3
ATO via myGov — lost superannuation. Log in to myGov → ATO → Super → Manage → Transfer super.
4Search your full legal name, any previous names, and any previous addresses
5If found, lodge a claim online — note your OTN reference number
🏛️
Lost & Unclaimed Super — ATO
FREE · $18.9 billion sitting unclaimed nationally
Super funds hold $10.4 billion in lost super, and the ATO holds a further $5.6 billion — accounts transferred when the fund couldn't contact the owner. The average lost account has around $4,200. Once found, it can be accessed via the FHSS scheme toward your deposit.

If you've ever changed jobs, moved address or changed your name, you may have super sitting in accounts you've forgotten. Searching is free and takes under 5 minutes via myGov.

1Log in to myGov and select Australian Taxation Office
2Select Super → you'll see all accounts the ATO has on record
3Check Lost Super and ATO-held Super tiles for unclaimed amounts
4Use Transfer Super to consolidate into your main fund
5Consider salary sacrificing into super — access up to $50k via FHSS for your deposit
⚠️ Before transferring, check whether your old account has insurance cover attached — consolidating may cancel it. Check with each fund first.
🧾
Maximise Your Tax Return
FREE · Referral available
At $160,000 income, most Australians miss $2,000–$5,000 in legitimate deductions. Your tax return is a once-a-year opportunity to top up your deposit savings.

Common missed deductions for property-aspiring Australians: home office costs, work-related vehicle use, professional development, union fees, tools and equipment, and income protection insurance premiums. A good accountant typically finds more than their fee.

File with a tax specialist →
🏠
Ready to take the next step?
Based on your DeltaMap, you're building toward your goal. Connect with the right professionals when the time is right.
Free to use · No obligation · DeltaMap may earn a referral fee
⚖️ General information only — not financial advice. DeltaMap (ABN 89 225 131 894) may receive a referral commission from partners below. This does not affect the service you receive or the cost to you. Always compare your options independently.
🏦 Mortgage Brokers — Free service, paid by lender
🏦
Finspo
Mortgage Broker · Australia-wide
Digital-first broker comparing 40+ lenders. Specialises in first home buyers. 100% online, fast pre-approval. Free — lender pays the broker fee.
💰 DeltaMap earns: commission on settlement (pending affiliate approval)
Get matched with Finspo →
🏦
Lendi
Mortgage Broker · Australia-wide
Australia's largest online mortgage broker. Compare 35+ lenders instantly. Award-winning platform. Free service — broker paid by lender at settlement.
💰 DeltaMap earns: commission on settlement (pending affiliate approval)
Compare loans on Lendi →
💳 Financial Products — Compare & save
💳
Finder — Credit Cards
Financial Comparison · finder.com.au
Compare 200+ credit cards. Find 0% interest-free cards for the offset strategy. Finder Scores every card independently.
💰 DeltaMap earns: ~$50–$150 per approved application (Finder publisher program)
Compare cards on Finder →
🏦
Finder — Savings Accounts
Financial Comparison · finder.com.au
Compare high-interest savings accounts. ING, Macquarie, Ubank — up to 5.5% p.a. Find the best rate for your deposit savings.
💰 DeltaMap earns: commission per referral (Finder publisher program)
Compare savings accounts →
🛡️ Insurance & Utilities — Reduce your bills
🛡️
iSelect — Insurance
Comparison · iselect.com.au
Compare home & contents, car, and health insurance. iSelect's comparison covers 20+ Australian insurers. Free comparison, save hundreds annually.
💰 DeltaMap earns: per lead or per policy (iSelect affiliate program)
Compare insurance →
⚡
Finder — Energy Plans
Comparison · finder.com.au
Compare electricity and gas plans from 15+ providers. Switch in minutes, average saving $800/yr. No exit fees on most plans.
💰 DeltaMap earns: per switch referral (Finder publisher program)
Compare energy plans →
📱
Finder — Mobile Plans
Comparison · finder.com.au
Compare 300+ SIM-only plans. Switch from $52/mo big-3 average to $22/mo MVNO and save $360/yr. Same Telstra/Optus coverage.
💰 DeltaMap earns: per referral (Finder publisher program)
Compare phone plans →
💻
Finder — Broadband
Comparison · finder.com.au
Compare NBN and broadband plans. Find the fastest plan at the lowest price for your address. Average saving $400/yr by switching.
💰 DeltaMap earns: per referral (Finder publisher program)
Compare broadband →
📋 Settlement Professionals — When you're ready to buy
📋
Conveyancing
Fixed-fee · Online
Fixed-fee conveyancing — title searches, contract review, and settlement handled fully online. Typically $1,100–$1,800 all-in.
💰 Coming soon — partner being finalised
Learn about conveyancing →
🔍
Building Inspection
Pre-purchase · Nationwide
Pre-purchase building and pest inspection — never skip this. Identifies structural issues, pest activity, and safety hazards before you're committed. Typically $400–$700.
💰 Coming soon — partner being finalised
Find building inspectors →
⏳ Affiliate links pending activation
Once DeltaMap's URL is live, affiliate tracking codes from Finder, iSelect, Lendi and Finspo will be activated and inserted here. Every referral will then generate commission automatically. No changes needed to the app — just swap the placeholder URLs with tracked affiliate links.