I'm Jigar Modi.
I help you look beyond borrowing power, to what you can comfortably spend, the home that fits your future, and what to check before committing.
Start with First Home Score to explore where you feel prepared and what needs more attention.
18 questions · Three areas of buying readiness
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The bigger picture
A deposit and a pre-approval can help you move forward. But they don't answer every question.
What buying range leaves room for life? What home fits your plans? And what should you understand before making an offer, bidding or signing?
My approach starts with those questions, so the decision is about your life, not simply the largest loan available.
Think beyond the purchase price to your buying range, extra costs and financial buffer.
Get clearer about the home that fits your priorities, likely changes and compromises.
Understand the process, the checks and the advice you may need before committing.
About Jigar
My background spans banking, finance and mortgage broking. It has shaped a simple belief: understanding how to get a loan is different from understanding whether a home purchase fits your life.
Buying your first home can bring excitement, uncertainty and plenty of opinions. I want to help you make sense of the decisions in front of you, ask useful questions and feel clearer about your next step.
The aim is to help you make a considered decision, whether that means moving forward, preparing further or waiting.
First Home Score
First Home Score is a self-reported assessment covering three areas:
Your answers help highlight strengths and gaps in your buying readiness, with practical next steps to consider.
Take the First Home ScoreThis is a readiness assessment, not a credit score, borrowing-capacity calculation or loan approval.
Indian professionals and families planning their first home purchase in Australia who want a clearer view of their buying readiness.
No. You can use the assessment to reflect on your readiness before or after speaking with a broker.
It is a short, self-reported questionnaire covering three areas of buying readiness.
No. It reflects your answers about buying readiness. Lending eligibility requires a separate assessment.
Your next step
Take First Home Score to explore what feels clear, and what you still need to work through.
Let's discuss where you are in your first-home journey, the support you're looking for, and whether there's a mutual fit to work together.
Take the First Home Score Book a chat