Advanced Tools

Advanced Property Finance Tools

For seasoned investors and brokers. Run a 10-year cash flow with negative gearing and depreciation. Build a professional settlement worksheet. Step through an equity release strategy, or compare three property scenarios over time.

Property Financing Estimator

The most detailed investment analysis tool on the site. Enter a property, your income and cost assumptions — and it projects cash flow, negative gearing tax offset, depreciation, equity growth and ROI over a 10-year horizon.

Net cash flow after interest, management fees, vacancy and all holding costs
Tax offset from negative gearing, Div 43/40 depreciation and HECS impact

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Funds Position Estimator

A professional sources-and-uses worksheet — the kind a mortgage broker prepares before lodging an application. See whether your available funds cover every cost at settlement, including any debts being cleared on the day.

All settlement costs: stamp duty (QLD, NSW, VIC), LMI, legal, registration and transfer fees
Funding sources vs total required — shows surplus or shortfall at settlement

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Investment Equity Strategy

A 15-slide interactive walkthrough showing how equity in your existing home can fund an investment property purchase — without needing extra cash savings. Enter your numbers, then step through the mechanics before talking to your broker.

Usable equity = 80% of property value minus your outstanding loan balance
Shows how equity covers the deposit, settlement costs and offset account seed

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Rent-Vesting vs Owner Occupying

Configure and compare three property strategies side-by-side over a 1–10 year horizon. Column titles are editable — use the defaults or model any three scenarios: different suburbs, deposit sizes, or buy-vs-invest paths.

Year-by-year net worth charts including equity, entry costs and cumulative cash flow
Negative gearing and Div 43/40 depreciation modelled when salary is entered

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