PROPERTY STRATEGY
What it really costs to get in, hold, and grow.
Slide the key numbers or tap any figure to type it exactly. See your true cash to get in, the weekly cost to hold, and the moment your equity could fund the next purchase.
Your purchase
Price, lending and rent — slide or type.
FINE-TUNE (OPTIONAL)
THE NUMBERS EVERY INVESTOR ACTUALLY ASKS ABOUT
SLEEP-AT-NIGHT NUMBER
-$423
per week to hold (pre-tax)
BUY THE NEXT ONE IN
Yr 4
when usable equity @80% covers the next deposit
EQUITY AT YEAR 30
$4.56M
on a $4.59M property
Getting in — the real entry cost
Estimated stamp duty + fees, state by state.
CASH TO GET IN
YOUR LOAN
Holding it — the weekly reality
Can it be comfortably carried? (Pre-tax.)
GROSS YIELD
4.03%
NET YIELD
3.13%
NET PROPERTY COST /YR
-$22,022
OUT OF POCKET /WK
-$423
Key milestones
When the big moments land on this plan.
EQUITY & LVR
STRATEGY
The wealth engine
Equity, cash flow and cash invested over time.
Total cash invested vs equity built
Lending impact: Modelling P&I. Going Interest only frees up ~$141/week, but pushes the next-purchase milestone back since the debt doesn't reduce. Cash-flow relief vs. faster equity — the strategy call.
The wealth engine, year by year
Value, debt, equity, and usable equity at 80% and 90%.
| YEAR | PROPERTY VALUE | LOAN BALANCE | TOTAL EQUITY | USABLE @80% | USABLE @90% |
|---|---|---|---|---|---|
| 1 | $848,000 | $632,642 | $215,358 | $45,758 | $130,558 |
| 2 | $898,880 | $624,829 | $274,051 | $94,275 | $184,163 |
| 3 | $952,813 | $616,530 | $336,282 | $145,720 | $241,001 |
| 4 | $1,009,982 | $607,718 | $402,264 | $200,268 | $301,266 |
| 5 | $1,070,580 | $598,358 | $472,222 | $258,106 | $365,164 |
| 6 | $1,134,815 | $588,419 | $546,396 | $319,433 | $432,915 |
| 7 | $1,202,904 | $577,863 | $625,041 | $384,460 | $504,750 |
| 8 | $1,275,078 | $566,653 | $708,425 | $453,409 | $580,917 |
| 9 | $1,351,583 | $554,748 | $796,835 | $526,518 | $661,677 |
| 10 | $1,432,678 | $542,105 | $890,573 | $604,037 | $747,305 |
| 11 | $1,518,639 | $528,678 | $989,961 | $686,233 | $838,097 |
| 12 | $1,609,757 | $514,418 | $1,095,339 | $773,387 | $934,363 |
Want a broker to review your scenario?
Cameron or Matthew can review your numbers, explain the assumptions and discuss lending strategies that fit your goals.
Indicative estimate only. This calculator does not constitute credit advice, pre-approval, loan approval, lender eligibility or confirmation that an amount is available to borrow. Actual borrowing capacity and lending costs may vary between lenders and depend on a complete assessment of your circumstances.
Projections for capital growth, rental income, and inflation are illustrative assumptions and do not guarantee future performance. Property markets fluctuate and past performance is not a reliable indicator of future results. Tax implications have been excluded for simplicity; please seek independent financial and tax advice.