IP
Investment Property Strategy
Buy-to-hold strategy modelling
Property strategy

What it really costs to get in, hold, and grow.

Slide the key numbers or tap any figure to type it exactly. See your true cash to get in, the weekly cost to hold, and the moment your equity could fund the next purchase.

1

Your purchase

Price, lending and rent — slide or type.
$
$200k$10m
$
$0$10m
%
1%12%
Indicative assumption — not a quoted or advertised rate, or an offer of credit.
$/wk
$0$3,000
yrs
Fine-tune (optional)
Loan optionsUpfront works & LMI
$
Holding costsVacancy, management, rates, insurance & more
%
%
% price
$
$
$
$
$
Growth assumptions & horizonThe levers behind the projection
%
%
%
Usable equity @80% = 80% of value − loan. Usable @90% nets off the LMI to release to 90%. "Buy the next one" is when usable equity @80% reaches ~25% of today's price. Maintenance is a % of purchase price escalated by inflation — not capital growth.
The numbers every investor actually asks about
2

Getting in — the real entry cost

Tiered stamp duty + LMI, state by state.
Cash to get in
Your loan
3

Holding it — the weekly reality

Can it be comfortably carried? (Pre-tax.)
★

The wealth engine

Equity, cash flow and cash invested over time.
Equity & usable equity over time
⚑

Key milestones

When the big moments land on this plan.
Equity & LVR
Strategy
4

The wealth engine, year by year

Value, debt, equity, and usable equity at 80% and 90%.
Want this strategy mapped to your goals?
Leave your details and a specialist will tailor these numbers to your situation — and the smartest way to fund the next move.
ⓘIndicative pre-tax estimates using the figures and assumptions entered, including assumed capital-growth and rental rates — projected growth is not guaranteed and past performance is not a reliable indicator of future results. Stamp duty & LMI are estimates (2025-26 schedules) and vary by lender, insurer and your circumstances. Any negative-gearing or tax benefits depend on your individual circumstances — seek advice from a registered tax agent. This is general information only — it does not take into account your objectives, financial situation or needs, and is not a loan approval, pre-approval or an assessment of your borrowing capacity. Not a credit assessment, or financial, tax or investment advice — your broker will confirm the real numbers.