Analyse a property | Real Estate Insight

Property analysis · 2026-27 rules

Year one, after tax

This property costs you $445 a week.

After rent of $490 a week, every running cost, loan repayments of $880 a week and a tax refund of $151 a week.

Cash to buy: $181,352
Annual return over 10 years: 5.6%
Ahead after selling in yr 10: $210,940

Who pays the $1,067 a week it costs to hold

Tenant $471
Tax office $151
You $445

Rent it out Live in it

Purchase price

State

Property type

New or established

Location

Contract date

First home buyer First home concessions only apply if you live in it. Foreign buyer Not an Australian citizen or permanent resident. Adds the foreign purchaser surcharge.

Deposit$150,000

% of price

Interest rate

% p.a.

Repayments

Principal & interest Interest only

Loan term

years

Loan setup fees

Application, valuation and settlement fees.

Rent

$ / week

Estimated from typical yields. Check comparable listings.

Vacancy

weeks / yr

Property management

% of rent

Letting fees

weeks / yr

Averaged: about 1-2 weeks' rent per new tenant.

Other income

$ / year

Parking, storage, furniture hire.

Rent growth

% / year

Council rates

$ / year

Water rates

$ / year

Strata / body corporate

$ / year

Landlord insurance

$ / year

Repairs & maintenance

$ / year

Land tax

$ / year

Calculated from an estimated land value of $450,000. Leave blank to use it.

Accountant

$ / year

Other costs

$ / year

Cost growth

% / year

Conveyancing / legal

Building & pest inspection

Renovations at purchase

Capital work, added to the cost base for CGT.

Other buying costs

Buyer's agent, PEXA settlement fee, moving.

Land value

Site or unimproved value from your council rates notice or the Valuer-General. Used for land tax.

Name

Taxable income

Has private hospital cover

Taxable income from everything else (salary, other investments), before this property.

Capital works (Div 43)

$ / year

Usually 2.5% of the original build cost, if built after Sept 1987. A quantity surveyor's report gives the exact figure.

Plant & equipment (Div 40)

$ year 1

Not claimable on second-hand homes since 2017.

Price growth

% / year

Australian homes averaged about 5% a year over the last decade (Cotality).

Sell after

years

Agent's commission

% incl GST

Marketing & auction

Legal & discharge fees

Income growth

% / year

How fast the owners' other income grows. Tax brackets are held at today's levels.

Inflation (CPI)

% / year

Used to adjust your cost for inflation when working out CGT after 1 July 2027.

Year one, after tax

This property costs you $445 a week.

After rent of $490 a week, every running cost, loan repayments of $880 a week and a tax refund of $151 a week.

Cash to buy: $181,352
Annual return over 10 years: 5.6%
Ahead after selling in yr 10: $210,940

Who pays the $1,067 a week it costs to hold

Tenant $471
Tax office $151
You $445

Loan: $600,000; 80% of the price
Monthly repayment: $3,812; 6.55% over 30 yrs
Gross yield: 3.40%; Net 1.97% after costs
Break-even rent: $1,157 /wk; Covers every cost before tax
Tax effect, year one: $7,845; Less tax across all owners
Cash in over 10 yrs: $455,837; Upfront plus any top-ups
Value in year 10: $1,221,671; At 5.0% a year
Equity in year 10: $712,378; Loan down to $509,293

Tax in year one (2026-27)

Owner	Share	Property income	Tax before	Tax after	Change
You	100%	-$24,514	$22,520	$14,675	-$7,845

Includes income tax, Medicare levy and offsets. Property income is rent less every deductible cost, interest and depreciation.

After tax, per week

-$445

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