Property analysis · 2026-27 rules
Year one, all in
Owning this home costs $1,019 a week.
Loan repayments of $871 a week plus rates, insurance and upkeep. About $130 a week of that pays the loan down.
- Cash to buy
- $181,352
- Monthly repayment
- $3,773
- Your equity in yr 10
- $713,654
$
% of price
% p.a.
Repayments
years
$
Application, valuation and settlement fees.
$
/ year
$
/ year
$
/ year
$
/ year
$
/ year
$
/ year
% / year
$
$
$
Capital work, added to the cost base for CGT.
$
Buyer's agent, PEXA settlement fee, moving.
$
Site or unimproved value from your council rates notice or the Valuer-General. Used for land tax.
% / year
Australian homes averaged about 5% a year over the last decade (Cotality).
years
% incl GST
$
$
Year one, all in
Owning this home costs $1,019 a week.
Loan repayments of $871 a week plus rates, insurance and upkeep. About $130 a week of that pays the loan down.
- Cash to buy
- $181,352
- Monthly repayment
- $3,773
- Your equity in yr 10
- $713,654
- Loan
- $600,000
- 80% of the price
- Monthly repayment
- $3,773
- 6.45% over 30 yrs
- Interest, year one
- $38,502
- $6,770 goes to the loan
- Running costs, year one
- $7,690
- Rates, insurance, upkeep
- Value in year 10
- $1,221,671
- At 5.0% a year
- Equity in year 10
- $713,654
- Loan down to $508,017