Know exactly what you can borrow — and what to do next.
TransformBiz runs the same multi-lender modelling your broker uses — property growth analysis, 10-year acquisition planning, live lender comparison and rate-shock stress testing — in one portal you control.
- $0.0B
- borrowing capacity modelled
- 0+
- lenders compared live
- 0+
- scenarios modelled
- 0%
- client-matched fit rate
Portfolio position
$0
Projected value · 10 years
Modelled against a policy engine covering panel lenders such as:
Panel names shown are illustrative placeholders.
The problem
Most people guess. Brokers calculate.
Bank calculators give one blunt number. Spreadsheets go stale the day you build them. Nobody shows you the ten-year plan, whether refinancing is actually worth it, or which lender on the panel would say yes to your file.
- One-size-fits-all calculators that ignore lender policy
- No visibility of equity, LVR or purchase timing over time
- Refinance savings never quantified in dollars per month
TransformBiz · Decision Roadmap
Refinance now
7.20% → 5.90% · $410/mo
The solution
Everything your broker sees. Now it's yours.
Seven modelling tools in one portal — all indicative, all built on the same policy engine your broker works from.
Property Growth & Verdict
See if you should keep or sell. CAGR against national, state and suburb medians, with an automatic verdict and bear/base/bull forecast scenarios.
10-Year Forecast & Planner
Plan up to 10 purchases, 10 years out — value, debt and equity projections with an equity-reuse waterfall.
Decision Roadmap
One page, every decision that matters: funding checkpoints, LVR risk trend and watch-point alerts.
Lender Match
See who says yes — before you apply. Capacity, rate and pass/fail across the panel, ranked by fit.
- Lender A$842kPASS
- Lender B$795kPASS
- Lender C$610kREVIEW
Refinance Radar
Your current rate against today's best available on the panel, refreshed as policy moves.
Application Timeline
Track your loan stage by stage — submitted, assessed, conditional, unconditional, settled.
All outputs are indicative modelling based on the information you enter — not a credit decision, approval or financial advice.
How it works
From numbers to next steps in three moves.
Step 1
Add your profile
Income, debts, dependants and properties. Takes about two minutes.
Step 2
Run the engine
The same modelling your broker's Borrowing Power Studio uses, across the panel.
Step 3
Get your roadmap
Decision points, lender matches and a plan you can actually act on.
For brokers
Give clients the numbers without giving up your time.
Clients self-serve the modelling, arrive informed, and you keep the relationship — with branded roadmaps and a shared view of every scenario.
- Branded, downloadable decision roadmaps
- Client scenarios ready before the first call
- Shared stress tests and refinance triggers
Average time saved per file
0.0 hrs
Try it — no login required
Move a slider. Watch the answer change.
A simplified version of the Stress Test Sandbox and Lender Match, running live on this page. Indicative only.
Indicative borrowing capacity
$842,000
Ranked panel result
Panel Lender A
5.89% p.a.
$842,000
PASSPanel Lender B
6.05% p.a.
$791,000
PASSPanel Lender C
6.24% p.a.
$724,000
PASSPanel Lender D
6.49% p.a.
$623,000
PASS
Illustrative figures using generic panel names — not an offer, quote or credit decision.
Trusted by clients who used to guess.
“Found out refinancing would save us $410 a month — we did it that week.”
Melissa T.
Coorparoo, QLD
“The 10-year planner showed our second purchase was two years away, not five.”
Daniel R.
Preston, VIC
“Stress testing a 2% rate rise before we bought took the guesswork out of it.”
Priya S.
Parramatta, NSW
“Lender Match ranked the panel in seconds. We applied once and it stuck.”
Owen H.
Fremantle, WA
Pricing
Every tool. No plans, no paywall.
Full access, free
$0
No credit card required · every tool included
- Property Growth & Verdict
- 10-Year Forecast & Planner
- Decision Roadmap
- Lender Match across the panel
- Stress Test Sandbox
- Refinance Radar alerts
- Application Timeline
Questions, answered plainly.
Stop guessing what you can borrow.
Run your first scenario in minutes and see the decision, the lenders and the ten-year plan in one place.
Get Started FreeNo credit card required · Takes 3 minutes