Byrz tools
Free tools, built for buyers.
No account, no catch. Every figure is an estimate you can act on, and every rule is explained in plain words.
Borrowing power
How much could you borrow?
An estimate in about a minute, with every step explained.
Deposit checker
Where do your savings land?
The 20 percent line, the scheme floors at 5 and 2 percent, and what each rung means.
Grants checker
Which schemes may fit you?
First Home Guarantee, Help to Buy and the Queensland grant, on six quick answers.
Price caps
What price cap applies where you are buying?
The federal scheme caps for every state and territory, read from the official tables and dated.
Repayments
What would the loan cost each month?
The repayment, the total interest, and what an offset and extra repayments really do.
Equity unlock
How much equity could you use?
Equity on paper against what a lender would typically release at the 80 percent line.
Refinance check
Is switching worth it?
The monthly difference, the break-even point, and the term-reset trap.
Debt consolidation
Should your debts join the home loan?
The three paths side by side, including the one that actually saves money.
Buying power
How far does your cash reach?
Four price ceilings from one savings figure, with duty and costs already paid.
Rent vs buy
Which path costs less, on your numbers?
Honest accounting, with the growth assumptions in your hands, not ours.
Buying costs
What does buying actually cost?
Stamp duty, concessions and fees in Queensland, on top of the price.