Property Projection Tool
The honest numbers on buying and holding a home or investment property — with no sales spin. Start with the property below; your estimate builds as you go.
Why we built this
Most property calculators are built to make a deal look good. We built this one to do the opposite: to give you the real, unbiased picture of what a property actually costs to buy and hold, year by year — buying costs, financing, holding costs, and a long-term projection of your overall position.
Every figure is an estimate you can see, question and change, and we show you exactly where our data comes from. There are no rose-tinted assumptions and nothing is hidden. Our only goal is to help you make a confident, well-informed decision — whatever you decide to do.
Returning? Upload your saved scenario file — or save this scenario to continue or compare later. Contact details are never included.
Property
Your property, whether you're living in it or renting it out, and whether you're buying or already own it.
About the property
Buying costs
The purchase price and the upfront costs — stamp duty, legal, transfer charges — to complete.
Enter a postcode/state and purchase price to calculate stamp duty.
Stamp duty & state fees verified as at 2026-06-02 · review by 2026-09-30
Legal, transfer and other upfront costs are estimated and included in the total below. Switch to Detailed at the top to see or adjust each one, or add a buyer's agent.
New here? What these numbers mean
In plain English: Buying isn't just the price. This adds the up-front costs of purchasing — stamp duty, legal/conveyancing, government charges and any buyer's agent fee — to show the total cash you'd need to complete the purchase.
How to read it
- Acquisition costs (excl. price) — everything on top of the price needed to buy.
- Total funds to complete — the price plus those costs — the full amount the purchase calls for.
Why it's here: Knowing the true “all-in” figure up front avoids the classic surprise of under-budgeting for a purchase.
Funding
How the purchase is funded — your loan, deposit or equity, interest rate and repayment type.
How will you fund it?
Pick the scenario that matches your plan. Rates default to the live RBA cash rate (fallback: 4.35%) plus a margin.
RBA cash rate 4.35%
Live RBA cash rate unavailable — using a checked fallback. Please verify the current cash rate.
We've assumed a standard cash deposit plus one home loan. Switch to Detailed at the top for equity or cross-collateralised options.
Enter a purchase price in the step above to see funding figures.
New here? What these numbers mean
In plain English: This shows how the purchase is paid for: how much you borrow, how much cash you contribute, your estimated repayment, and the first year's loan interest — based on the funding structure you chose above.
Why it's here: The way you fund a purchase shapes both your up-front cash and your ongoing repayments, which flow through to every projection below.
Loan rates here are indicative defaults you can edit — they're not a rate quote or a credit offer.
Estimate only — general information, not financial, credit, or tax advice. Based on assumptions that may not reflect your actual outcomes; seek advice from a licensed professional.
Estimated annual running costs
The yearly cost of owning the property (rates, insurance, repairs, etc.), excluding loan interest.
We've estimated the running costs (rates, insurance, repairs and the like) from typical figures for this property. Switch to Detailed to see or adjust each one.
New here? What this number means
In plain English: The estimated cost of owning the property for a year — the ongoing bills a landlord pays, such as council and water rates, insurance, repairs, property management and (for units) strata. It does not include your loan repayment, which is handled separately.
Why it's here: These running costs sit alongside your loan in every projection, so getting them roughly right makes the whole picture more accurate. Every figure is editable — your real bills will give the truest result.
Estimate only — general information, not financial, credit, or tax advice. Based on assumptions that may not reflect your actual outcomes; seek advice from a licensed professional.
Projection & position
How the property's value — and, for investments, the cashflow, overall position and loan payoff — is projected over 30 years.
Pre-tax only. Growth defaults are the long-run average for Australian capital cities. Every figure stays editable.
Defaults are examples to get you started — not recommendations. Edit them to your situation.
Enter a purchase price and weekly rent in the steps above to see the projection.
Save or download your results
Everything above is yours to view for free. You can print or save a copy of the on-screen results any time with the button below — no details needed. To get the branded PDF and Excel versions, share your details — along with a summary of the figures you entered and your results — and a CFC Finance broker can follow up.
Prefer not to share your details? You can still print or save a copy of the results free of charge.
Estimate only — general information, not financial, credit, or tax advice. Based on assumptions that may not reflect your actual outcomes; seek advice from a licensed professional.
Have questions about these numbers?
Book a no-obligation chat to talk through your estimate.
Book a chatBooking is obligation-free. Before giving any credit assistance, a broker will assess your objectives, needs and financial situation — this calculator doesn't.
Compare saved scenarios
Saved two or three scenario files (e.g. before and after a change, or buying vs already owning)? Upload them to see them side by side. Everything stays on your device.
Where our numbers come from — data sources & method
In the interest of full transparency, here's exactly where every number comes from and how we treat it. We'd rather show our working than ask you to take our word for it.
How to read the estimates
- Every figure is badged “estimated” until you change it, then “your figure”. Your inputs always win.
- Search by suburb and we resolve the strongest public evidence available, in order: direct suburb → postcode → state benchmark. Each result shows the level it actually used, a confidence label, and a usage level.
- When a figure is only a broad state benchmark(e.g. it's flagged “do not use for projection”), we never apply it silently — you have to opt in.
- An honest gap: public data gives us suburb/postcode rental-growthevidence (strongest in VIC, NSW, QLD, SA, TAS), but capital growth has no public suburb/postcode series — so it always uses a broad capital-city benchmark, clearly labelled.
- Historical growth is not a forecast. Past performance is not a reliable indicator of future performance.
Interest rates
Default loan rates are the live RBA cash rate plus a margin set by repayment type and LVR. The margin is a central default we set; what you edit is the resulting rate — override it with your actual figure.
- Reserve Bank of Australia — Cash rate target (Table F1.1): Base for default loan interest rates (refreshed daily, with a safe fallback).
- CFC Finance — CFC lending margins: Indicative margins over the cash rate by repayment type and LVR — a central default, not a rate quote; you edit the final rate, not the margin.
Stamp duty & government charges
Transfer (stamp) duty is calculated from the relevant state/territory revenue office scale for the price and location. Always confirm the exact figure with your conveyancer.
- NSW Government — Revenue NSW: NSW transfer duty scale
- VIC Government — State Revenue Office Victoria: VIC land transfer duty scale
- QLD Government — Queensland Revenue Office: QLD transfer duty scale
- SA Government — RevenueSA: SA stamp duty scale
- WA Government — RevenueWA: WA transfer duty scale
- TAS Government — State Revenue Office Tasmania: TAS duty scale
- ACT Government — ACT Revenue Office: ACT conveyance duty scale
- NT Government — Northern Territory: NT stamp duty scale
Buying & holding cost defaults
Conveyancing, buyer's agent, council rates, water, insurance, strata, property management and other costs start from indicative CFC defaults — typical figures by state and dwelling type. Management fees reflect typical agency ranges and strata reflects typical levies by dwelling type. They're all editable — enter your real figures for the most accurate result. Land tax is deliberately left for you to enter, as it depends on your total holdings and exemptions.
- CFC Finance — CFC indicative defaults: Editable starting estimates for buying and holding costs.
Funding & projection assumptions
A few defaults drive the funding and long-run projection figures. Each is a starting estimate you can change.
- CFC Finance — Opportunity / savings rate (4.5%): Benchmarked to typical at-call / term-deposit returns (pre-tax); editable.
- CFC Finance — LMI estimate (2% of loan): A coarse mid-range estimate; your lender's premium varies with LVR and loan size; editable.
- CFC Finance — Cost inflation (2.5%): ≈ the midpoint of the RBA's 2–3% target band; also used to show today's-dollar figures.
- CFC Finance — Selling costs: Typical agent commission ~2.2% plus typical legal (~$1,500) and marketing (~$3,000) on sale; editable.
Negative gearing & CGT settings
The negative-gearing eligibility flag and CGT note reflect the Treasury Laws Amendment (Tax Reform No. 1) Act 2026, legislated 26 June 2026 (announced 12 May 2026) and applying from 1 July 2027. We flag it for information only and never calculate a tax figure. Confirm the final rules with your accountant.
- Australian Government — Announced 2026 Federal Budget measures: Negative-gearing grandfathering cutoff & CGT-change flag (information only).
Geography & growth-rate data
Growth rates are matched to the suburb or postcode you enter; where local evidence isn't available we fall back to a broader benchmark and label the downgrade. The public sources below are those whose licences permit display.
- Australian Bureau of Statistics — Suburbs/Localities, Postal Areas & LGA allocation files (ASGS): Suburb ↔ postcode ↔ LGA geography mapping
- Australian Bureau of Statistics — Total Value of Dwellings: State-benchmark property value fallback
- Australian Bureau of Statistics — Rental market insights: State-benchmark rent fallback
- NSW Dept of Communities & Justice — Rent and Sales Report: NSW postcode-level rents
- QLD Residential Tenancies Authority — Median rents (quarterly): QLD postcode-level rents
- Homes Victoria / DataVic — Rental Report — moving annual rents by suburb: VIC suburb-level rents
Data is compiled from official Australian public sources and processed using a documented methodology. Some results are direct suburb or postcode evidence; others use a broader state benchmark. These figures support research and scenario planning — they are general information only, not a valuation, forecast, or financial, tax, legal or property advice.
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