Please read these terms carefully. By using Keys Down Under you agree to be bound by them.
Keys Down Under does not provide financial advice, mortgage advice, legal advice, or any other form of regulated professional advice. All calculators, estimates, simulations, and tools are for general educational and planning purposes only and do not take into account your individual financial circumstances, objectives, or needs.
Before making any property purchase or financial decision you must consult qualified, registered professionals:
Keys Down Under does not hold an AFSL, Australian Credit Licence, or any other regulatory authorisation. Use of this platform does not create any advisory or fiduciary relationship.
By accessing or using Keys Down Under (“the Service”), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Service.
When you create an account, you are required to acknowledge these terms and the disclaimer above. Your acknowledgment is recorded with a timestamp for compliance purposes.
Keys Down Under is a free web application that helps people buying their first home in NSW with:
Keys Down Under is a general-purpose planning and research tool. It is not a financial adviser, mortgage broker, conveyancer, or legal adviser, and nothing on this platform constitutes financial advice, credit advice, legal advice, or any other form of regulated professional advice.
All calculations including stamp duty, LMI premiums, scheme eligibility, borrowing capacity, repayment estimates, and suburb median prices are indicative estimates only. They are based on publicly available rates and formulae and may not reflect your actual obligations, entitlements, or individual circumstances. Your actual stamp duty, LMI, borrowing capacity, and repayments will be determined by Revenue NSW, your lender, and other regulatory bodies.
Keys Down Under does not hold an Australian Financial Services Licence (AFSL) or Australian Credit Licence (ACL). The platform is not authorised to provide personal financial product advice or credit assistance under the Corporations Act 2001 (Cth) or the National Consumer Credit Protection Act 2009 (Cth).
You acknowledge that you have not relied on any information provided by Keys Down Under in making any financial or property purchasing decision, and that you have sought or will seek independent professional advice from appropriately qualified and registered professionals before making any such decision.
Rates, thresholds, and scheme eligibility criteria (including the First Home Owner Grant, stamp-duty concessions, and the First Home Guarantee) are subject to change by the NSW Government, the Australian Government, and individual lenders without notice.
You must create an account to access most features. You are responsible for maintaining the confidentiality of your password and for all activities that occur under your account. Please notify us immediately of any unauthorised use.
You must be at least 18 years of age to create an account and use the Service.
You agree not to:
All content, design, code, and functionality within Keys Down Under is owned by or licensed to us. You may not copy, reproduce, distribute, or create derivative works without our prior written consent.
Your personal data (profile, budget, scenarios, and saved suburbs) remains yours. By using the Service you grant us a limited licence to store and process that data solely to operate the Service.
Suburb prices, commute times, school catchments, and related statistics are sourced from third-party and government providers including the NSW Valuer-General, Transport for NSW, the NSW Department of Education, the ATO, and the Rental Bond Board. We do not guarantee the accuracy or completeness of this data, and it may be out of date. Each figure carries a source and an “as-at” date where shown.
To the maximum extent permitted by Australian law, Keys Down Under and its operators are not liable for any direct, indirect, incidental, or consequential losses arising from your use of the Service or reliance on any calculations, information, or estimates provided.
In particular, we are not liable for any financial loss arising from property purchase decisions made with reference to Keys Down Under's calculations, suburb data, or any other feature of the Service.
We reserve the right to suspend or terminate your account at any time for violation of these terms. You may delete your account at any time from your profile settings.
We may update these Terms of Use from time to time. Each version is identified by a date string shown at the top of this page. When terms change materially, in particular the disclaimer in Section 3, we will ask existing users to re-acknowledge the updated terms before continuing.
These terms are governed by the laws of New South Wales, Australia. Any disputes shall be subject to the exclusive jurisdiction of the courts of New South Wales.
For questions about these terms, contact us at info@keysdownunder.com.