PropPocket • BidReady
PropPocket • BidReady
Compare the cash needed upfront, the LMI trade-off, and the weekly ownership cost before the emotion of the decision takes over.Compare upfront cash, LMI and weekly cost before you bid.
Built for buyers. Powered by expertise.
One calm comparison before you bid, borrow, or negotiate.
Decision engine
Enter the essentials once. BidReady updates upfront cash, LMI, loan size, rent, tax effect, and weekly holding cost automatically.
Deposit, stamp duty and LMI in one clean number.
Loan size and repayments change instantly as deposit changes.
Rent and tax (for investors), plus holding costs, flow into the final weekly view.
Deposit comparison
See the trade-off between upfront cash, LMI, loan size, repayments, and the real weekly cash-flow impact after rent, holding costs, and tax settings.
Upfront cash = deposit + stamp duty + LMI
Upfront cash = deposit + stamp duty + LMI
Upfront cash = deposit + stamp duty + LMI
Start with the few inputs that drive most decisions. Add advanced estimates only if you want to refine the output.
Existing negative gearing treatment appears preserved for properties contracted before 12 May 2026 while the property is held. Most new purchase scenarios can leave this as a new purchase.
Holding tax / land tax is $0. That may be correct, but check whether annual land tax applies.
Capital allowances are $0. This may be fine, but a depreciation schedule can change the tax estimate.
The deeper view fed by the essentials above.
Key result
Estimated weekly cash required after rent and any estimated tax effect, including principal repayments.
Estimate only. Check strata, land tax, depreciation, and your tax position before relying on this figure.
Higher confidence means more major assumptions have been filled in, such as strata, land tax, insurance, repairs, and tax settings.
These figures are estimates only and are intended for decision support.
What you need to get into the property.
Lenders Mortgage Insurance protects the lender, not the buyer. It commonly applies when the deposit is below 20% and may be capitalised into the loan.
How the loan is structured and what the first year of repayments looks like.
This is a cash outflow that reduces the loan balance, rather than a deductible expense.
Approximate estimate based on the opening loan balance.
The main offsets that may reduce the cash strain of holding the property.
Weekly rent multiplied by 52, then reduced by the vacancy allowance. Excluded automatically for owner occupier scenarios.
Council rates, strata, additional insurance, agent fees, repairs, land tax, and other deductible running costs.
Estimated depreciation or capital works deductions. These can improve the tax result without being a cash cost.
Interest, eligible holding costs, and any capital allowances may create a rental loss. Principal is not deductible.
The rental loss modelled as available to offset non-property income under the selected tax treatment.
For established-property post-2027 modelling, unused rental losses are carried forward rather than offset against salary or wage income.
The tax rate used in this estimate. This may include the 2% Medicare levy when selected.
Estimate only. Tax outcomes depend on ownership, borrowing structure, and personal circumstances.
Your bottom-line cash view after repayments, rent, and estimated tax effects.
Includes loan repayments, annual property costs, rent offsets, and estimated tax effects.
This is the headline cash-flow number. Principal is included for P&I loans and excluded for interest-only loans.
A clearer investor-only view of interest, holding costs, rent, estimated tax benefit, and yield.
Established property: current negative gearing treatment modelled
Today’s modelling applies an estimated immediate tax benefit where rental losses are eligible.
Use this only for an existing holding or a property contracted before Budget night.
Your lender interest rate before rent or tax impact.
Your effective interest cost after vacancy-adjusted rent and estimated tax benefit.
Investor holding-cost view after rent, holding costs, and estimated tax benefit. Excludes principal repayments.
Rent plus estimated tax benefit, before annual holding costs. Excludes annual holding costs.
Estimated rental yield after vacancy-adjusted rent, estimated tax benefit and annual holding costs.
The gross burden builds from the bank rate plus holding costs, then rent and estimated tax benefit reduce the remaining net rate.
Tax-adjusted debt cost = annual interest cost - vacancy-adjusted annual rent - estimated tax benefit.
Tax-adjusted debt rate = tax-adjusted debt cost / loan amount.
Tax-adjusted gross rental yield = (vacancy-adjusted annual rent + estimated tax benefit) / purchase price. Excludes annual holding costs.
Tax-adjusted net rental yield = (vacancy-adjusted annual rent + estimated tax benefit - annual holding costs) / purchase price.
Net annual holding cost after tax = annual interest cost + annual holding costs - vacancy-adjusted annual rent - estimated tax benefit.
Net weekly holding cost after tax = net annual holding cost after tax / 52.
Estimate only. Uses vacancy-adjusted rent, selected tax rate, loan interest and annual holding costs. Not tax advice.
Short observations based on your current scenario.
Compared with 5% deposit, this setup reduces your annual out-of-pocket cost by $7,225.
Most of your year-one loan repayment is driven by interest, not principal.
At a 39% marginal tax rate, the estimated tax effect is $3,459. Principal repayments still count as cash outflow but are not treated as deductible.
A clean summary of the current scenario for review with a partner, broker, or adviser.
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This tool is for educational decision support only. Open the full disclaimer if you want the detailed assumptions.
All figures are estimates only, including stamp duty, LMI, rent, tax outcomes, and annual property costs.
Automatic stamp duty estimates use the selected state or territory, with first-home relief currently modelled for NSW, VIC, and QLD owner-occupier scenarios only.
For investment scenarios, this tool assumes interest, eligible holding costs, and any entered capital allowances may be deductible, while principal repayments are not. Tax estimates may include the Medicare levy if selected.
Capital allowances are a non-cash estimate only and are usually confirmed through a depreciation schedule or tax advice.
Land tax, additional insurance, agent fees, repairs, and other holding costs can now be entered separately to make the deductible-loss estimate easier to follow.
For owner occupier scenarios, rental income, deductible loss, and tax refund outputs are excluded from the calculation.
Tax outcomes depend on personal circumstances and should be reviewed with an accountant or adviser.
This calculator is not personal financial advice, tax advice, or credit advice.
