Before You Bid Deal Check

Know your max bid before you bid

Enter an investment property once. See what it really costs you each week, whether you could hold it if rates rise, your 10-year picture and the most you should pay.

Ready in minutes Save as PDF 2026–27 tax and duty rates

The property

Price you're looking at

Suburb

For the suburb snapshot in your report.

State

Type

Rent

$/wk

Year built

The loan and you

Deposit

Interest rate

Repayments

Most you'd put in each week, after tax

$/wk

Sets your max bid.

You and your finances

Used for your tax and the bank lending check, the same way our borrowing power calculator works.

Base salary (yearly, before tax)

Regular overtime, bonuses or allowances (yearly)

Has a HECS-HELP debt

Living expenses: $3,000 a month

Groceries and household

Utilities, phone and internet

Transport and fuel

Insurance (health, car, life)

Childcare and school fees

Everything else

Monthly. Lenders use the higher of your figures or their own benchmark.

Rent, debts and other properties

Rent or board you pay now (monthly)

Properties you already own

Credit cards (limits, used or not)

Car, personal and other loan repayments (monthly)

Owing on those loans

Growth assumptions

Value growth

%/yr

Rent growth

%/yr

Your free preview

🤔 Worth a closer look

Some numbers are fine, some need watching. Check the sections marked "Watch" before you bid.

Cash flowWatch−$86/wk after tax
YieldGood5.1% gross
Rate rise +2%Watch−$222/wk after tax

Weekly cost after tax−$86/wk

Your max bid$000,000

Cash you need$155,275

Gross yield5.12%

What it costs to buy

Deposit20% of $650,000: $130,000
Stamp dutyQLD, investor rate: $22,275
Legal and conveyancing: $1,800
Inspections, bank and settlement: $1,200
Cash you need: $155,275

Loan $520,000 (80% of the price), interest only at 6.20%.

Year one cash flow

Rent$640 a week: $33,280
Running costsrates, insurance, repairs, land tax, management: −$9,930
Loan repayments: −$32,240
Before tax−$171/wk: −$8,890
Tax refundincl. $4,875 depreciation: $4,405
After tax: −$4,485 (−$86/wk)

Will the bank lend it?

In the full report

Your tax, per pay

About $193 back every fortnight, instead of waiting for tax time. Lodge a PAYG withholding variation with the ATO and your employer takes less tax from each pay.

Depreciation	Building	Fittings	Total
Year 1	$4,590	$0	$4,590
Year 2	$4,590	$0	$4,590
Year 3	$4,590	$0	$4,590
Year 5	$4,590	$0	$4,590
Year 10	$4,590	$0	$4,590

Estimates. Fittings in second-hand homes can't be claimed; a quantity surveyor's schedule gives the exact figures.

In the full report

Suburb snapshot

In the full report

Loan options compared

Deposit and repayments	Cash needed	LMI	Weekly, after tax	Equity, year 10
10% · Interest only	$95,990	$12,118	−$176/wk	$433,966
10% · P&I	$95,990	$12,118	−$302/wk	$523,310
20% · Interest onlyyours	$157,190	—	−$117/wk	$507,284
20% · P&I	$157,190	—	−$226/wk	$584,991

A smaller deposit keeps more cash in hand but adds LMI and a bigger loan. P&I costs more each week and builds equity faster.

In the full report

Rates for your loan

The lowest advertised investment rates for a interest only loan of $489,600 at 80% of the price, from over 100 banks and lenders.

At your rate, 6.20%−$117/wkafter tax, year one

At the lowest, 5.64% (comparison rate 5.76%*)−$81/wk$1,864 a year better off, after tax

Lender and loan	Rate	Comparison rate*	Weekly, after tax
Example lender AInvestment home loan · Variable	5.64%	5.76%	−$81/wk
Example lender BInvestment home loan · Variable	5.71%	5.83%	−$86/wk
Example lender CInvestment home loan · Fixed 2 yrs	5.79%	5.91%	−$91/wk
Example lender DInvestment home loan · Variable	5.84%	5.96%	−$94/wk
Example lender EInvestment home loan · Variable	5.89%	6.01%	−$97/wk

*Comparison rates are for a $150,000 secured loan over 25 years. Warning: a comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or loan amounts might give a different comparison rate.

Rates are the lenders' own published figures from the Consumer Data Right (Open Banking), updated weekly. Fixed rates apply for the fixed term only; the weekly figure assumes the rate for the whole year. Whether a lender will approve you, and at what rate, depends on their own checks.

General information, not a recommendation of any lender or loan. Check the details with the lender or a broker before you apply.

In the full report

When it pays for itself

In the full report

Rate stress test

In the full report

Selling after 10 years

In the full report

10-year projection

Year	Value	Equity	Rent	After tax
1	$642,600	$153,000	$590/wk	−$117/wk
2	$674,730	$185,130	$620/wk	−$102/wk
3	$708,467	$218,867	$650/wk	−$86/wk
4	$743,890	$254,290	$683/wk	−$69/wk
5	$781,084	$291,484	$717/wk	−$52/wk
6	$820,139	$330,539	$753/wk	−$33/wk
7	$861,145	$371,545	$791/wk	−$14/wk
8	$904,203	$414,603	$830/wk	+$7/wk
9	$949,413	$459,813	$872/wk	+$29/wk
10	$996,884	$507,284	$915/wk	+$52/wk

In the full report

Before you bid: checklist

✓Get finance pre-approval in writing, at today's rates
✓Building and pest inspection (strata report for apartments)
✓Have a conveyancer read the contract before auction day
✓Check zoning, flood and bushfire overlays with the council
✓Confirm the rent with two local property managers
✓Set your limit (your max bid) and don't go past it on the day
✓Order a depreciation schedule after settlement
✓Arrange landlord insurance from settlement

In the full report

Assumptions: running costs are estimated from the price and property type (council $2,200, water $1,000, insurance $1,800, repairs $2,600, land tax $0, management 7% of rent), growing 3% a year. Depreciation is an estimate; a quantity surveyor's schedule gives the real figure. Tax uses 2026–27 resident rates plus the 2% Medicare levy. General information only: this isn't financial, tax or credit advice and doesn't consider your full situation. Talk to a licensed adviser, broker or accountant before you buy.

Unlock the full Deal Check

Your max bidThe highest price that keeps your weekly cost within your limit
Will the bank lend it?Your borrowing power, tested the way lenders do, against this loan
Suburb snapshotWho rents in the suburb and its mix of houses, townhouses and apartments
Loan options compared10% vs 20% deposit, interest only vs P&I: cash, LMI, weekly cost and equity
Your tax, per payThe refund you could get each fortnight, and 10 years of depreciation
When it pays for itselfThe year it turns cash-flow positive, with equity and cash-flow charts
Rate stress testYour weekly cost if rates rise 1% and 2%
10-year projectionValue, equity, rent and cash flow, year by year
Selling after 10 yearsCapital gains tax and what ends up in your pocket
Before-you-bid checklistThe eight things to tick off before auction day

Questions

The calculators are free. Why pay?: They are, and they always will be. The Deal Check runs your property through all of them at once, adds your max bid and a rate stress test, and gives you one report to take to your broker or accountant. It saves an evening and catches the costs people miss.
Will it work for my property?: Any residential investment property (house or apartment) in any state or territory. It uses current stamp duty, land tax and 2026–27 income tax rates, the same ones in our calculators.
Is this financial advice?: No. It's general information based on the numbers you enter, and it doesn't consider your full situation. It's the perfect thing to bring to a licensed broker or accountant.
How fast do I get it?: Straight away. You'll see it on screen and get a link by email that works for a year. Use "Save as PDF" to keep a copy.
Can I check more than one property?: Each report covers one property. The free preview updates as you type, so you can try different prices, rents and deposits before you choose which one to unlock.