How accurate is the borrowing calculator?

Our calculator applies APRA's standard serviceability assessment, including the mandatory 3% stress buffer. Actual capacity varies by lender, credit history, and loan product. Use our range as a starting point, then get a formal pre-approval from a broker.

How many suburbs do you cover?

We cover 179 curated suburbs across all 8 Australian states and territories. Each suburb page lists where its figures come from and the period they cover.

What if I'm not ready to invest yet?

That is exactly who Brickwise is built for. The assessment tells you your current position and what specifically needs to change. You will get a readiness score, a concrete action plan, and the educational resources to work through each step.

How is my data protected?

Data is stored on Australian servers, encrypted in transit and at rest. We comply with the Australian Privacy Principles under the Privacy Act 1988. We never sell your personal data. Broker introductions only happen when you explicitly request them.

Measured across 179 suburbs, updated OCT 2026

What you can afford. Where you want to live. The honest gap.

BRICKWISE measures your savings and borrowing range against 179 Australian suburbs, starting with your own area, so you can see what actually fits there before looking anywhere else. General information only, not financial advice.

For example, on a $145,000 household income, a unit in Mount Druitt fits a realistic budget of about $490,000. The cheapest houses in Greater Sydney start around $740,000 in Mount Druitt, about $250,000 more.

$29 readiness report Start free assessment

Try it now LIVE ESTIMATE

Deposit saved$88,400

Household income$145,000

REACHABLE SUBURBS

43/179

EST. BUDGET

$490,000

Estimate uses the shared 6.50% lending-rate assumption plus the calculator's APRA serviceability buffer over 30 years, with deposit and purchase costs included. Not a credit assessment - general information only.

Map outline from Natural Earth. Other-market figures: Government data, ABS Census 2021, updated SEPT 2026.

179 SUBURBS SURVEYEDAPRA-STANDARD CALCULATIONSREFRESHED OCT 2026

THE READINESS GAP

A $145,000 household income still buys in Greater Sydney today — the honest gap is to a house, not to another city.

Your realistic budget to Mount Druitt's cheapest house, both in Greater Sydney. On a $145,000 household income, buyers commonly fit a unit or townhouse here today; a house in the same area typically costs more. The gap is not a wall — it is a measurement, and it stays inside the area you actually want to live in. This comparison is general information only and does not consider your personal objectives.

SOURCE: ABS CENSUS 2021, SEPT 2026

TWO WAYS IN

Your first property plan starts before you’re ready.

Sydney and Melbourne can feel impossible when the target keeps moving. Brickwise helps early-career Australians work backwards from the future: what your first home could cost, how much deposit you may need, which schemes may help, and what to do next.

FIRST HOME PATH

Not ready to buy yet?

Start with your First Home Path. See your deposit gap, future price scenarios, schemes that may help, and the steps to become ready.

Build my first-home path

INVESTOR PATH

Ready to compare suburbs?

Use Brickwise to understand where your budget could work, compare investment areas, and generate your investor readiness report.

Explore investment options

GENERAL INFORMATION ONLY — NOT PERSONAL FINANCIAL ADVICE

METHOD

Measure first. Then look.

Measure your range

Deposit, borrowing power, buffer and income stability become an APRA-standard readiness band.

Plot suburb fit

Each of 179 suburbs is scored on price, yield, vacancy, growth and ownership risk - same rules for all.

Read the report

A readiness score, a shortlist that suits profiles like yours, and every source named.

THE REPORT

One document. Your whole position.

The Investment Readiness Report compiles your borrowing range, purchase-cost buffer, suburb shortlist and risk notes - with the source ledger printed beside every figure.

Brickwise Investment Readiness Report — samplePAGE 04/12

Mount Druitt NSW readiness page — your own area

Median apartment$460K

Gross yield4.0%

5-year growth6%

Hybrid score5.8/10

Source: ABS CENSUS 2021, SEPT 2026. General information only.

CONTENTS

Borrowing range check02

Deposit & purchase costs03

Suburb shortlist - profiles like yours04

Risk notes & source ledger09

Next 90 days12

View sample report (PDF)

Local fit vs. other markets · 5 suburbs, ranked by hybrid score

MOUNT DRUITTYOUR AREA$460K5.8/10

WANNEROO$560K8.5/10

CRANBOURNE$620K8.2/10

IPSWICH$520K8/10

MAITLAND$650K7.5/10

MOUNT DRUITT NSW5Y GROWTH 6% · GROSS YIELD 4.0%

Source: ABS CENSUS 2021, SEPT 2026. A very high yield relative to the area is commonly read as a risk flag rather than a bonus — ranked here by hybrid score, not yield. Estimates only.

THE DATA BEHIND IT

Built in Australia. Sourced in the open.

Suburb figures come from public sales, rental and census data, and the borrowing calculations follow APRA's serviceability rules.

179

Curated suburb set

Filtered for first-investor price bands, rent coverage and risk signals.

State

Government sales data

NSW and Victorian prices come from state government sales records.

2021

ABS Census

Household income, age and make-up for every suburb in the set.

APRA

Serviceability standard

Buffers and borrowing assumptions kept explicit in the report.

PRICING

Free assessmentReadiness score, borrowing calculator, guides, and 3 suburb deep-dives — no card required.

One-off purchase

Investment Readiness Report

$29

One-time payment, no subscription required

INCLUDES 3 MONTHS OF PRO ($9.99/MO) — SAME PRICE AS THE TRACKING ALONE

Your real borrowing range, plus the buffer you'll need for stamp duty and costs
A suburb shortlist matched to your budget and goals — sourced & dated
The risks to watch and exactly what to do in the next 90 days
3 months of Pro tracking included, no extra charge

Get my report

General information only, not financial advice

TRACKING

Pro

$9.99/mo

Watch your readiness score move every month and get alerted the moment a suburb on your list turns — so you don't miss the window.

Gap tracking, watchlist alerts, deal checker, coach access

Start free assessment

QUESTIONS

Straight answers.

Is this financial advice?

No. BRICKWISE provides general information only and does not consider your personal objectives, financial situation or needs. Take the report to a licensed adviser or broker.

Do you recommend a suburb?

No. We show suburbs that may suit profiles like yours, with the sources and assumptions printed beside every number.

Where does the data come from?

Published sales and rental records, with state government data where it's available, plus ABS Census figures and published lending inputs. Each suburb page shows the period its figures cover. We're moving every figure to government data licensed for reuse.

What does the report cost?

$29, one-off — and it includes 3 months of Pro tracking, which would cost about the same on its own. No subscription required, no price tiers.

Can I cancel anytime?

Yes. The report is a one-off purchase, so there is nothing to cancel for that path. If you choose the $9.99/month Pro subscription later, you can cancel it from your account settings.

Do I have to invest somewhere else?

No. BRICKWISE starts with what your budget buys in your own area, dwelling type by dwelling type, with the honest gap to a house shown alongside it. Investing elsewhere — commonly called rentvesting — is one option some buyers consider when their own area's house gap is wide, never the default. When it's shown, we name the trade-offs: distance from your area, and the travel that adds for inspections and tenant issues.