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Buying a home
Borrowing range, duty, the cash you need and what the loan costs.
How much could I borrow?
Borrowing power
An indicative starting point for how much you could borrow. Lender policies vary; this is not a loan approval.
What will the duty be?
Stamp duty
Transfer duty in your state, with first home buyer and foreign purchaser rules.
How much cash do I need?
Upfront costs and LMI
The cash you need to buy, including duty, fees and lenders mortgage insurance.
What will the loan cost?
Mortgage repayments
Repayments with interest-only periods, an offset account and extra repayments.
Should I rent or buy?
Rent versus buy
Compare buying a home with renting and investing under the same annual budget.
Owning and investing
Asking prices, rental cash flow, tax and what your equity could do next.
Is the asking price fair?
Property value check
An asking price next to an estimate and recent nearby sales.
What will it cost each week?
Rental cash flow
Weekly cash flow of a rental, with break-even rent and a projection.
How is a rental loss treated?
Negative gearing
The tax effect of a rental loss this year and after the rules change.
What could my equity buy next?
Equity and next purchase
An indicative check of usable equity and your next purchase. Lender policies, valuations and approval requirements vary.
Selling and returns
The whole buy, hold and sell scenario and the tax on the gain.
What could it return?
Buy, hold and sell
What a property could return if you buy, hold it for years and sell.
What tax will I pay when I sell?
Capital gains tax
Tax on the gain when you sell an investment property.
Commercial property
Yield and value, leases, debt cover and leasing versus buying.
What is the yield or value?
Commercial yield and value
Estimate value at your cap rate, or compare yields at a known price, with optional Commercial Dex market evidence.
What is the rent behind the incentive?
Commercial lease and expiry
Compare rent after incentives and committed lease expiry by income or floor area, with optional Commercial Dex evidence.
Will the income cover the debt?
Commercial cash flow and debt
Project monthly property and loan cash flow, debt maturity and a ten-year sale scenario from your leases.
Should the business lease or buy?
Commercial lease versus buy
Compare equivalent business premises with equal initial resources and annual budgets, before income tax.
Development and renovation
Site feasibility and renovation scenarios with your costs in view.
Does the site stack up?
Development feasibility
Test entered sale expectations, project costs, tax assumptions and cash needs for one site before income tax.
Will the renovation pay?
Renovate and sell
Bring purchase, renovation, holding and sale costs together, then test a profit target.
