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Whether you're just starting out, buying your first home, planning a new build, or growing your property portfolio — CREDIGO brings together AI-powered calculators, mortgage tools, property insights, and private Deal Rooms in one place. Understand your financial position clearly, at your own pace, before making any decisions.
Financial Dashboard
Updated just now
AI Insights
3 newRefinance opportunity detected — save ~$280/mo
↑ Updated just now · powered by AI
Borrowing Power
$684K
APRA-compliant
Net Worth
+$12,400 YTD
$284,500
I am a…
My question
What are my options with what I already own?
Calculators
Save results, compare scenarios, and turn your calculations into a private Deal Room when you're ready for help.
Build & Construction
Property & Investment
Debt & Refinance
Tax & Planning
Outcomes-driven AI — not just analytics. Flag rate-risk exposure, compare scenarios side-by-side, surface refinance opportunities, suggest questions for your broker, and prepare you for professional conversations before you share your contact details.
AI Agent System
7 specialist agents · CREDIGO
Create a private Deal Room, choose exactly what financial or project details to share, compare professional responses, and reveal contact details only when you're ready to connect. Your data, your control.
Professional Network
4 verified professional types
Mortgage Broker
Sydney NSW
Construction Firm
Melbourne VIC
Insurance Broker
Brisbane QLD
Conveyancer
Perth WA
First Home Buyers
First-home answers in one place. Check buying power, estimate stamp duty and concessions, understand LMI, and prepare for broker or conveyancer conversations before you hand over your contact details.
Understand exactly what a smaller deposit costs you in LMI and ongoing repayments.
Check FHOG, First Home Guarantee, stamp duty exemptions, and shared equity schemes.
See exactly how student debt affects your borrowing capacity and serviceability.
Find licensed professionals matched to your buying stage through a private Deal Room.
Your phone and email stay private until you choose to share them with a professional.
Compare buying options, rate changes, and suburb scenarios with AI-powered analysis.
Building or Renovating
Sketch your floor plan and export an architecture brief to share with architects or builders.
Estimate costs at each stage — Slab, Frame, Lock-Up, Fixing, and Completion.
Review builder progress claims before each payment is released — you stay in control.
Track contract value, approved loan, released funds, and remaining balance. Export lender packs as JSON or PDF.
Authorize your mortgage broker to view your Construction Workspace for finance support.
Every stage update, claim decision, and approval is recorded in a tamper-evident audit trail.
Layout Planner
12 × 22 m · Ground floor · ↑ N
Library
Compare build-vs-buy, estimate construction finance, sketch a layout, prepare an architecture brief, review progress claims, track drawdowns, export lender packs, and invite the right professionals — all in one place.
Property Intelligence
Model rate changes, holding costs, sale timing, rent assumptions, equity, and refinance options before making a decision.
See your current loan health, LVR, equity position, and refinance readiness.
"What if rates rise 1%?" — run scenarios and see the dollar impact before it happens.
Model future property value, equity growth, and capital gains estimates.
Find your break-even holding period and calculate net proceeds from a sale.
Compare rental yield, cash flow, and ROI across your investment properties.
Track when your equity, LVR, or rate gap reaches a refinance trigger point.
Deal Room
Choose what to share, invite the right professionals, chat, compare responses, accept the specific professional and reveal contact details only when you're ready to connect.
What you share with professionals
Income & expenses
Salary, rental & other income sources
Net worth summary
Assets, liabilities and overall net position
Borrowing capacity
APRA-compliant borrowing calculation result
Architecture Brief
Floor plan and brief exported for architects or builders
Document Vault
Uploaded documents and files
Professional responses
Mortgage Broker
Alex T.
Available to review your borrowing position
Builder
P Constructions
Happy to review your project brief and architecture
Conveyancer
Sarah L.
Can assist with settlement in your target suburb
Insurance Broker
Mitchell & Co.
Lenders mortgage insurance and home & contents
Live Economic Intelligence
CREDIGO tracks live RBA cash rate decisions, CPI inflation, employment data and upcoming release dates — so your financial decisions are always grounded in current market reality.
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RBA Cash Rate
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CPI Inflation
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Unemployment
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Wage Growth
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Upcoming releases
Process
Sign up in under a minute. No credit card required — full access from day one.
Use borrowing capacity, first-home benefits, construction, and property calculators. AI helps you understand your full financial picture.
Invite brokers, builders, conveyancers, or insurance professionals. Share only what you choose. Reveal contact details when you're ready.
Get started today
Join thousands of Australians using calculators, AI tools, and private Deal Rooms — before speaking to a single professional.
First home buyer
Check my buying positionBuilding or renovating
Start a build planExisting owner / investor
Run property scenarios