Know where you stand.
Before you have to.

Free financial health check. No sign-up. No sales pitch.
Just clarity in 5 minutes.

0+
Years Big Four Banking
0+
Families Helped
100%
Independent Advice

What you'll discover

The numbers that matter — explained simply, without the jargon.

💚

Free. For Everyone.

No paywall. No login. No catch. Built for people who want to understand their financial health — and do something about it.

🩺

Your Financial Pulse

A clear snapshot of where you stand right now — income, commitments, and capacity. No guesswork.

✉️

Ready-to-Send Follow-Up

A pre-written email template tailored to your results — ready to send to a broker, banker, or adviser. No awkward first message.

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Your Action Plan

Not just numbers — clear next steps. What to focus on, what to fix, and what's already working in your favour.

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Know What to Review

We flag the areas a professional would check first — so you walk into any meeting informed, not lost.

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Set Your Own Goals

Save a bigger deposit? Reduce debt? Refinance by a date? Track your targets and see progress over time.

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Plan Ahead

See what's coming before it arrives. Rate changes, equity growth, refinance windows — be ready, not reactive.

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Build the Habit

One check-up won't change your life. Regular ones will. Small habits compound into big financial confidence.

Our Tools

Free tools built by a banker. Designed for people who want to get better.

🏠
Free

Financial Health Check

Know your borrowing capacity, deposit gap, and whether you're ready to buy — in 5 minutes.

Try it free →
📊
Free

Bank-Ready Score

See your lending profile the way a bank sees it. 8-dimension score with a personalised action plan.

Check your score →
🔍
Beta

Policy Radar

Search and compare lender credit policies in seconds. Know which lenders suit your scenario before you apply.

Search policies →
⭐ FEATURED
🛡️
Free

Oney Security

Property security risk assessment — flood, bushfire, zoning, LVR impact. Know the risks before you buy or lend.

Check a property →

Why we built this

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. No sales funnel. No lead capture. Free tools that give you the clarity to make better financial decisions.

Ready to know where you stand?

5 minutes. Zero cost. Complete clarity on your financial health.

Start Your Free Check-up →

📬 Oney Lending Intelligence

Weekly insights on Australian mortgage rates, lender policy changes, and borrowing power — straight to your inbox. Free.

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