Built by a banker, powered by AI. We give you the clarity of a free financial health check, backed by the expertise of a human mortgage expert.
The numbers that matter — explained simply, without the jargon.
No paywall. No login. No catch. Built for people who want to understand their financial health — and do something about it.
A clear snapshot of where you stand right now — income, commitments, and capacity. No guesswork.
A pre-written email template tailored to your results — ready to send to a broker, banker, or adviser. No awkward first message.
Not just numbers — clear next steps. What to focus on, what to fix, and what's already working in your favour.
We flag the areas a professional would check first — so you walk into any meeting informed, not lost.
Save a bigger deposit? Reduce debt? Refinance by a date? Track your targets and see progress over time.
See what's coming before it arrives. Rate changes, equity growth, refinance windows — be ready, not reactive.
One check-up won't change your life. Regular ones will. Small habits compound into big financial confidence.
Free tools built by a banker. Designed for people who want to get better.
Know your borrowing capacity, deposit gap, and whether you're ready to buy — in 5 minutes.
Try it free →See your lending profile the way a bank sees it. 8-dimension score with a personalised action plan.
Check your score →Search and compare lender credit policies in seconds. Know which lenders suit your scenario before you apply.
Search policies →Property security risk assessment — flood, bushfire, zoning, LVR impact. Know the risks before you buy or lend.
Check a property →Most people only check their finances when they have to — applying for a loan, refinancing under pressure, or facing a crisis.
We think that's backwards. Your financial health deserves regular check-ups — just like your physical health. Know where you stand today, so you can make better decisions tomorrow.
Built by a banker with 9+ years inside the Big Four, we saw the confusion and anxiety the banks created. We built Oney & Co. to give you insider knowledge, without the sales pressure.
5 minutes. Zero cost. Complete clarity on your financial health.
Start Your Free Check-up →