True holding cost
Rates, insurance, strata, management, maintenance and vacancy allowance — the real ones for that property, not a rule of thumb. It is usually the difference between a property that looks neutral and one that costs you three hundred dollars a week.
Cashflow on your actual loan
Modelled on what you can genuinely borrow, at the structure you will actually have, interest only or principal and interest. Our cashflow calculator is the public version of this; yours uses your real position.
Cost base and structure
Which entity buys it, how the debt is apportioned, what the acquisition costs do to your cost base, and where land tax lands as the portfolio grows. Cheap to get right before exchange, expensive afterwards.
First investment purchase
You have equity or a deposit and you do not want your first one to be the expensive lesson. The most valuable thing we do here is often talking you out of something.
Second to fifth property
The constraint stops being the deposit and becomes serviceability and structure. This is where an accountant who also arranges finance earns their fee.
Rebalancing a portfolio
Holdings that are heavy on growth and light on cashflow, or concentrated in one market. Often the point where commercial starts to make sense.
A negatively geared property is one that loses money, and the tax deduction returns a fraction of what you lost. That can still be the right decision if the growth thesis holds and you can comfortably fund the shortfall for years. It is a bad decision if the shortfall strains you, or if the thesis rests on the last five years repeating.
We will model both cases and show you the after-tax cashflow, not just the headline rent. If the answer is that you should not buy, you will hear it.
Do you have a preferred area?
How long does a search take?
Do you find off-market properties?
What about renovation or granny flat potential?
Bring us a strategy, not a listing
Thirty minutes, no cost. We will look at what you can borrow, what you are trying to achieve and whether residential is even the right vehicle for it.
Buyer’s agency services only. This page is general information and is not financial product advice, tax advice or legal advice, and does not take account of your objectives, financial situation or needs. Property investment carries risk including capital loss, and past performance does not indicate future performance. Speak to your accountant, licensed financial adviser and solicitor before acting. Related: commercial investment, SMSF property, cashflow calculator.
