Where Do You Actually Stand? | Canberra Government Worker Quiz | Pollux Financial

2 Minute Quiz

Where do you actually stand?

Answer 6 quick questions and get your personalised borrowing position score. No sign up. No obligation.

Question 1 of 6

17%

Which sector do you work in?

Select the option that best describes your current employment.

What is your goal?

What are you looking to do with property?

What is your current situation?

Where are you living right now?

What is your approximate annual household income (before tax)?

Include all household income — your salary plus any allowances or partner income.

What is your deposit or equity position?

Include savings, equity in an existing property and any gifts or super you can access.

When are you looking to act?

Even if you are just researching, your score will show your current position.

Your Indicative Position Score

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📊 Your Borrowing Position

Indicative borrowing range—

Deposit summary—

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💡 Key Insights

📋 Steps to Boost Your Position

🏛️ Government Support You May Qualify For

Paul Will Call You Shortly

Paul will personally call you within 24 hours to walk through your position and map out your next steps. No cost, no obligation.

📞 02 6189 8972

⭐ Your Guiding Star in Property and Finance

Find Out Where You Actually Stand.
(As a Canberra Government Worker.)

6 quick questions. Get a personalised borrowing position score and find out exactly which schemes apply to you. ACT concessions, DHOAS, the 5% Deposit Scheme, the lot.

800+ Canberra public servants have taken this quiz

Take the Quiz — 2 Minutes No sign up required. Free. A specialist will call you.

200+

Canberra Clients Helped

30+

Lending Partners

5.0★

Google Rating

Cost to You

The Problem

Most Canberra government workers have no idea what they can actually do.

They assume the banks are the experts. They assume nothing has changed since they last looked. They keep meaning to get to it. Meanwhile their borrowing position is sitting there untouched and the schemes built specifically for their situation go unused.

This quiz changes that. 6 questions. One clear picture of where you stand.

What You Get

Three things no bank will ever tell you for free.

📊

Know Your Position

Get a clear positioning score based on your role, income and goal.

⭐

Discover Your Schemes

See every ACT and federal scheme you may be eligible for, including DHOAS for Defence and the 5% Deposit Scheme.

🗺️

Get a Clear Plan

A licensed specialist (Paul) will call you with a step by step action plan tailored to your role.

Common Questions

What Canberra workers usually ask

Yes. Most lenders will assess non ongoing APS contracts on the strength of your contract length, renewal history, and the substantive nature of the role. Some lenders treat it identically to ongoing PAYG. The right lender choice matters here.

DHOAS is a federal subsidy paid toward your home loan interest for serving and ex serving ADF members. Tier of support depends on service length. It is paid in addition to any other lending or grant you access.

The HBCS provides stamp duty exemption (full or partial) for eligible buyers in the ACT based on income thresholds and property value. Eligibility is reviewed each financial year. We will check your current eligibility on the call.

The First Home Super Saver Scheme lets eligible first home buyers withdraw up to $50,000 of voluntary super contributions toward a deposit. PSSap balances are eligible. CSS access depends on the specific scheme rules.

Often yes, depending on how long you have been on the allowance and the lender's policy. Some lenders accept HDA from day one with a letter from your agency. Others want a track record.

You are typically in a borrowing position stronger than equivalent private sector PAYG at the same salary because of how lenders view the stability of federal employment. The exact number depends on your situation. The quiz gives a starting indicative range.

Yes. 100% free to you. We are a licensed mortgage broker, paid by the lender at settlement, never by you. No consultation fees, no application fees, no obligation to proceed.

What People Say

Canberra public servants who took the quiz

★★★★★

"I had assumed I needed another two years of saving. After one call, I found out the HBCS and the 5% scheme together meant I could move in six months."

Sarah K.

APS5, Canberra

★★★★★

"Nobody had explained DHOAS to me properly. Paul went through it line by line. That subsidy alone changed how we structured the loan."

Mark T.

RAAF, Canberra

★★★★★

"Higher duties for two years and three different brokers told me it did not count. Paul knew exactly which lender treats it as base income. Done in eight weeks."

Aisha N.

EL1, Canberra

★★★★★

"I am on a non ongoing contract and assumed I was locked out. Turned out I had way more options than I realised. Settled on my place in Kingston four months later."

James R.

APS6, Canberra

Find Out What Is Actually Possible.

Take the 2 minute quiz. Get your position score. Paul will call you with a clear plan at no cost, no obligation.

Take the Quiz Now No credit check. We call you. Licensed mortgage broker.

Where do you actually stand?

📊 Your Borrowing Position

💡 Key Insights

📋 Steps to Boost Your Position

🏛️ Government Support You May Qualify For

Paul Will Call You Shortly

Find Out Where You Actually Stand.(As a Canberra Government Worker.)

Most Canberra government workers have no idea what they can actually do.

Three things no bank will ever tell you for free.

Know Your Position

Discover Your Schemes

Get a Clear Plan

See Your Full Breakdown

What Canberra workers usually ask

Canberra public servants who took the quiz

Find Out What Is Actually Possible.

Find Out Where You Actually Stand.
(As a Canberra Government Worker.)