Wealth builder

See if you can service the deal, how much you need to complete, and where the cashflow comes from.

Enter the property, loan, rent, and your position. We show funds required, borrowing needs, serviceability, and how the shortfall is covered: tenant, tax return, and your own cashflow. Then stress-test with rate rises, job loss, vacancy, or property damage.

Assumptions & disclaimer

Serviceability is a simplified estimate. Lenders use their own assessment rates and buffers. Tax benefit assumes negative gearing (deductible expenses exceed rent). This is not personal advice; seek advice from your broker or accountant.

Property & acquisition

Purchase price ($)

Deposit (%)

Stamp duty ($)

Conveyancing / other ($)

Loan

Interest rate (% p.a.)

Repayment type

Loan term (years)

Rental & holding costs

Gross rent per week ($)

Total holding costs per year ($)

Rates, insurance, property management, maintenance, land tax.

Purchase strategy

Strategy focus

Target gross yield (% p.a.) — for max price guide

We suggest a max purchase price so rent ÷ price ≈ this yield.

Your position (serviceability)

Equity / cash available for this deal ($)

Useable equity or savings for deposit and costs.

Gross household income per year ($)

Existing loan repayments per year ($)

Marginal tax rate (incl. Medicare, %)

What-if levers (stress test)

Interest rate rise (e.g. +1% = 1)

Income cut - job loss / illness (%)

Vacancy (weeks per year)

Property damage / one-off cost ($)

Results

Funds & borrowing

Funds required to complete —

Borrowing needed —

Equity / cash used —

Equity shortfall —

Strategy & yield

Gross yield (rent ÷ price) —

Strategy fit —

Serviceability

New loan repayment (annual) —

Total commitments (existing + new) —

Serviceability (income vs commitments) —

Lenders typically allow commitments to be a portion of income; estimate only.

Cashflow contribution (who funds the shortfall)

Tenant (rent) —

Tax return (negative gearing benefit) —

Personal cashflow (to cover shortfall) —

What-if: stress scenario

If rates rise, income drops, vacancy increases, or you have a one-off damage cost:

New repayment (stressed rate) —

Rent (after vacancy) —

Tax benefit (stressed) —

Personal cashflow needed (stress) —

Includes one-off damage cost over 1 year for illustration.

Serviceability (stressed income) —

This is an estimate only, not personal advice. Omission of data or unique variable will have a considerable influence on outcomes. Consider speaking to a licensed adviser for a plan tailored to you where personal variables will be confirmed by supporting documents specific to your preferences and circumstances

What to do next

Use these numbers with your broker to check actual serviceability and loan structure. Consider building a buffer for rate rises and vacancy.

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Information is intended to be only used as a guide. We highly recommend you seek professional advice from licensed professionals. Omission of detail may make scenarios and opportunities not suitable for your specific circumstances.