Purchase & hold scenario
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$0
$0
$0
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Property & Purchaserscore
Pricing & Rentdrives everything below
0.0%
0.0%
when you'd expect to exchange, if you go ahead
Financeloan terms
% of purchase price
% p.a.
years
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LVR × purchase price
$0
pre-approval − loan amount
your own cash on hand for this deal — savings, offset, equity release, etc.
Funds Summaryfrom Purchase tab
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0%
Cash Required Estimate
Deposit structure
$ amount — often a flat figure like $5,000
% of purchase price
$0
purchase price minus loan amount
Payment amounts
ItemTimingAmountStatus
Engagement — upfront fee to a buyer's agent/advisor, if using one
Engagement feeEngagement
Conditional exchange of contract
Deposit at signed contractExchange of contract$0To Pay
Building & landlord insuranceExchange of contractTo Pay
Building & pest inspectionExchange of contractTo Pay
Plumbing & electrical inspectionExchange of contractTo Pay
Independent valuation (optional)Exchange of contractTo Pay
Unconditional exchange
Deposit due at unconditionalUnconditional exchange$0To Pay
Settlement
Deposit balanceSettlement$0To Pay
Stamp duty estimate (SA)Settlement$0To Pay
Lenders mortgage insuranceSettlement$0To Pay
Mortgage feesSettlementTo Pay
Conveyancing (fees + searches)SettlementTo Pay
Rates adjustment (current period)SettlementTo Pay
Buyer's agent balance (if applicable)SettlementTo Pay
Post-settlement
Renovation / works budgetPost-settlementTo Pay
ContingencyPost-settlementTo 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.

Payment timing summary

StageAmount

Cash required by date

Cash due
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Due Diligence Summaryresearch inputs
%
/ 10
/ 10
Notes
Property Performance Assumptionsannual
days p.a. — e.g. 14 for 2 weeks vacant
weeks
% of income
$ p.a.
$ p.a.
$ p.a.
$ p.a.
$ p.a.
% p.a.
%
%
%
$0
0%
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0%

Total performance — capital growth vs. net cashflow (cumulative)

Capital growth (cumulative) Net cashflow (cumulative) Total performance

Annual net cashflow

Property value & equity

Property valueEquity
10-Year Projectionannual detail
Value-Add Planningoptional, feeds into the Hold

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.

Net Uplift by Yearapplied to the Hold model