$0
Add PPOR for a home the client already owns and is keeping — its loan and ongoing costs (rates, insurance, maintenance, repayments) feed the Combined Position below, but it releases no deposit cash. Add Refi when they're refinancing a property to release equity for this deposit — that also increases its loan and shows the new repayment. Add cash for savings, gifts or any other lump sum. Not every client does a refi — add only what applies. Equity released is net of the refinance's costs (discharge, application, valuation, legal, LMI).
| Item | Timing | Amount | Status |
|---|---|---|---|
| Engagement — upfront fee to a buyer's agent/advisor, if using one | |||
| Engagement fee | Engagement | ||
| Conditional exchange of contract | |||
| Deposit at signed contract | Exchange of contract | $0 | To Pay |
| Building & landlord insurance | Exchange of contract | To Pay | |
| Building & pest inspection | Exchange of contract | To Pay | |
| Plumbing & electrical inspection | Exchange of contract | To Pay | |
| Independent valuation (optional) | Exchange of contract | To Pay | |
| Unconditional exchange | |||
| Deposit due at unconditional | Unconditional exchange | $0 | To Pay |
| Settlement | |||
| Deposit balance | Settlement | $0 | To Pay |
| Stamp duty estimate (SA) | Settlement | $0 | To Pay |
| Lenders mortgage insurance | Settlement | To Pay | |
| Mortgage fees | Settlement | To Pay | |
| Conveyancing (fees + searches) | Settlement | To Pay | |
| Rates adjustment (current period) | Settlement | To Pay | |
| Buyer's agent balance (if applicable) | Settlement | To Pay | |
| Post-settlement | |||
| Renovation / works budget | Post-settlement | To Pay | |
| Contingency | Post-settlement | To Pay | |
Stamp duty uses each state/territory's published 2026/27 standard transfer-duty rates (no owner-occupier, first-home-buyer or foreign-surcharge concessions applied); LMI is estimated from LVR band. Confirm both with your broker/conveyancer before exchange.
| Stage | Amount |
|---|
Each initiative applies in its chosen year: cost is deducted from that year's cashflow, the equity uplift is added to property value that year, and the rental uplift lifts weekly rent from that year onward. Add as many as you need — e.g. more than one renovation across the 10 years.