Budgeting & Readiness Guidance
Guidance around saving, budgeting, and financial readiness before applying for a loan.
How can this service can assist you?
This service is designed to help clients take control of their finances before diving into the home loan process. It covers everything from building realistic budgets to understanding how spending habits and savings contribute to borrowing power. Whether you're months away from applying or just getting started, this guidance offers a clear look at where you stand financially and what steps can help you get loan-ready with more confidence.
Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.
Disclaimer Statement
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.
Compliments & Concerns
At Cultivate Financial, your feedback is valued. Whether you’d like to share a positive experience or raise a concern, there’s a simple process in place to ensure your voice is heard.
All feedback helps improve the way services are delivered and ensures that clients continue to receive the respectful, transparent and supportive experience that Cultivate Financial is committed to providing.
You can view the full process on the Compliment & Concerns page.