Mortgage and Finance Brokers

How this works

Two ways of putting your money to work, compared over the period you choose.

Buy — net wealth

The home grows at the appreciation rate; we subtract the loan balance, which falls as principal & interest repayments are made. Savings left over after the deposit and upfront costs are invested at the return rate and added on.

Rent & invest

Starting savings are invested at the return rate. Each month the gap between an owner's outgoings (repayment + ongoing costs) and rent is invested too, compounding — the fair "opportunity cost" comparison.

Stamp duty & first home buyer

Choosing a state, price and property type estimates transfer duty. Ticking "first home buyer" applies that state's first‑home rules: NSW — homes exempt to $800k (concession to $1m), land to $350k (to $450k); VIC — exempt to $600k, concession to $750k; QLD — $0 on new homes and land, established to $700k (concession to $800k); WA — homes exempt to $500k (to $700k metro), land to $350k (to $450k); SA — $0 on new homes and land, no relief on established; TAS — established homes exempt to $750k (ends 30 June 2026); ACT — exempt to ~$1.02m (income‑tested); NT — $0 on new house‑and‑land, no relief on established. It also unlocks the 5% Deposit Scheme, which sets a 5% deposit and removes LMI; otherwise, with a deposit under 20%, an indicative LMI premium is added.

Things to note

Figures ignore tax and assume an owner-occupied home (no rental income, no capital gains tax on a main residence in Australia). Estimates only — not financial advice.