Calculator

Rent-Vesting vs Owner Occupying

Compare these three scenarios: 1. Buy to live in 2. Buy to rent out 3. Buy to live in for a year, then rent out. See how your net worth stacks up over time.

Total Deposit: $40,578
LMI waived with government guarantee
LVR95.0%
LMIWaived — FHBG

Entry costs

Stamp duty (general)$22,275
Concession-$22,275
Registration fees$2,578
Conveyancing$2,500
Bank fees & sundries$3,000
Total entry costs$8,078
Total Deposit$40,578
Loan amount$617,500
Monthly repayment$3,778
Total Deposit: $160,353
$0/wk if living at home rent-free
LVR80.0%
LMI$0

Entry costs

Stamp duty (general)$22,275
Registration fees$2,578
Conveyancing$2,500
Bank fees & sundries$3,000
Total entry costs$30,353
Total Deposit$160,353
Loan amount$520,000
Monthly repayment$3,283
Total Deposit: $73,078
LMI waived with government guarantee
Converts to rental in year 2
$0/wk if living at home rent-free
LVR90.0%
LMI$9,648

Entry costs

Stamp duty (general)$22,275
Concession-$22,275
Registration fees$2,578
Conveyancing$2,500
Bank fees & sundries$3,000
LMI (capitalised into loan)$9,648
Total entry costs$8,078
Total Deposit$73,078
Loan amount (incl. LMI)$594,648
Monthly repayment$3,638

Projection Assumptions

Equity

$0$85,715$171,431$257,146$342,862011223
Buy with FHBGRent-VestBuy, Convert to Rental

The difference between the property's current value and your outstanding loan balance. Grows as the property appreciates and as you pay down the loan. Does not account for entry costs, cashflows, or potential selling costs.

Equity + cumulative cashflow

$0$110,703$221,406$332,109$442,811011223
Buy with FHBGRent-VestBuy, Convert to Rental

Your equity in the property plus all cumulative cashflows — entry costs paid at settlement, ongoing holding costs (rates, insurance, maintenance), tax benefits, and rental income.

Buy with FHBG
Property value$829,583
Loan remaining$575,943
Equity$253,640
Cumulative cashflow-$36,265
Accumulated value$217,375
Rent-Vest
Property value$829,583
Loan remaining$486,721
Equity$342,862
Cumulative cashflow$99,949
Accumulated value$442,811
Buy, Convert to Rental
Converts to rental in year 2
Property value$829,583
Loan remaining$556,224
Equity$273,359
Cumulative cashflow-$8,461
Accumulated value$264,897
Note: Does not account for potential capital gains tax liability. ·
Notice: These calculators, estimators and explainers serve as general guides and are intended for illustrative use only. These calculators do not constitute financial, credit, taxation or investment advice. Because details may be incomplete or subject to change, these calculators, estimators and print version should not be treated as definitive sources of truth. The findings are generated from data provided by you and variables from external sources and assumptions used within the calculators. As such, this information can change frequently and may not always be current. You are responsible for confirming the accuracy, relevance, and completeness of these data points as they pertain to your specific situations. We provide no guarantees regarding the precision of the outputs of any calculators or estimators. Results should be treated as illustrative only and verified with appropriate professional advice. We accept no liability for any loss, damage, or consequence resulting from your reliance on the information they provide.

Rent vs Buy Comparison

05 June 2026
5-year comparison
Buy with FHBG
StateQLD
Buyer typeFirst Home
Property typeEstablished
PathOwner-occupier
Purchase price$650,000
FHBGYes
Entry costs
Stamp duty (gross)$22,275
Registration fees$2,578
Conveyancing$2,500
Bank fees & sundries$3,000
Total entry costs$8,078
Financing
LVR95%
Total deposit$40,578
Loan amount$617,500
Interest rate6.19% p.a.
Monthly repayment$3,778
Rent-Vest
StateQLD
Buyer typeInvestment
Property typeEstablished
PathInvestment
Purchase price$650,000
Entry costs
Stamp duty (gross)$22,275
Registration fees$2,578
Conveyancing$2,500
Bank fees & sundries$3,000
Total entry costs$30,353
Financing
LVR80%
Total deposit$160,353
Loan amount$520,000
Interest rate6.49% p.a.
Monthly repayment$3,283
Buy, Convert to Rental
StateQLD
Buyer typeFirst Home
Property typeEstablished
PathOwn, then convert to rental (yr 2)
Purchase price$650,000
Entry costs
Stamp duty (gross)$22,275
Registration fees$2,578
LMI (capitalised)$9,648
Conveyancing$2,500
Bank fees & sundries$3,000
Total entry costs$8,078
Financing
LVR90%
Total deposit$73,078
Loan amount (incl. LMI)$594,648
Interest rate6.49% p.a.
Monthly repayment$3,638
Buy with FHBG — Year 5 Results
Property value$829,583
Loan remaining$575,943
Equity$253,640
Cumulative cashflow-$36,265
Accumulated value$217,375
Rent-Vest — Year 5 Results
Property value$829,583
Loan remaining$486,721
Equity$342,862
Cumulative cashflow$99,949
Accumulated value$442,811
Buy, Convert to Rental — Year 5 Results
Property value$829,583
Loan remaining$556,224
Equity$273,359
Cumulative cashflow-$8,461
Accumulated value$264,897
Shared Assumptions
Owner rate6.19%
Investor rate6.49%
Property growth5% p.a.
Rent growth3% p.a.
Loan term30 years
Comparison period5 years
Annual cost growth (CPI)2.5%
Strata / body corporateNo
Notice: These calculators, estimators and explainers serve as general guides and are intended for illustrative use only. These calculators do not constitute financial, credit, taxation or investment advice. Because details may be incomplete or subject to change, these calculators, estimators and print version should not be treated as definitive sources of truth. The findings are generated from data provided by you and variables from external sources and assumptions used within the calculators. As such, this information can change frequently and may not always be current. You are responsible for confirming the accuracy, relevance, and completeness of these data points as they pertain to your specific situations. We provide no guarantees regarding the precision of the outputs of any calculators or estimators. Results should be treated as illustrative only and verified with appropriate professional advice. We accept no liability for any loss, damage, or consequence resulting from your reliance on the information they provide.
Equity + Cumulative Cashflow

Equity + cumulative cashflow

$0$110,703$221,406$332,109$442,811011223
Buy with FHBGRent-VestBuy, Convert to Rental

Your equity in the property plus all cumulative cashflows — entry costs paid at settlement, ongoing holding costs (rates, insurance, maintenance), tax benefits, and rental income.

Equity

Equity

$0$85,715$171,431$257,146$342,862011223
Buy with FHBGRent-VestBuy, Convert to Rental

The difference between the property's current value and your outstanding loan balance. Grows as the property appreciates and as you pay down the loan. Does not account for entry costs, cashflows, or potential selling costs.

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