Tools
Run the numbers before you fall for the property.
Three quick checks before you commit: what the duty really costs in your state, what the income actually yields, and how much a lender will see you serviced for. The engine does the deep work on a live brief; these get you to a number in seconds.
01 · Stamp duty
What the transfer duty actually costs.
after any concession
additional duty
duty + surcharge
of property value
02 · Rental yield
What the income actually returns.
annual rent ÷ price
after outgoings & vacancy
collected at full occupancy
rent less outgoings
Net yield strips outgoings and an allowance for vacancy. The engine goes further, pricing the lease covenant and capex a headline yield hides.
03 · Borrowing power
What a lender will see you serviced for.
serviceable at the buffer rate
with a 20% deposit
net income less commitments
your rate + 3% buffer
Lenders test repayments at roughly 3% above the actual rate, and floor your expenses to a household benchmark. This estimate does the same. Your real capacity depends on credit, deposit and lender policy.
Where the numbers stop
What these calculators won’t tell you.
A calculator gets you to a figure. It can't read the lease, walk the building or argue the price. That is exactly where a senior advocate earns the only fee, yours.
A number is not a verdict
Duty, yield and borrowing power frame the deal. They say nothing about tenant covenant, capex liability, the lease tail or whether the price is fair. The 46-point due-diligence assessment behind every recommendation prices exactly that, before you offer.
One side of the table
A Bold principal layers the covenant, the comparable evidence and the negotiation on top of figures like these, inspects the asset on the ground, and acts only for you, never the vendor. You deal with that person from the first call to settlement.
Beyond the back-of-envelope
Test these assumptions against a real brief.
The engine values a real asset independently, with the lease, covenant and comparable evidence behind it.
Illustrative only. These calculators use simplified, standard published rates and assumptions and are not financial, tax, legal or credit advice. Stamp-duty schedules and first-home or home concessions are eligibility-tested and change between budgets; borrowing power varies by lender policy, credit and deposit. Bold Property Group does not hold an Australian financial services or credit licence. Confirm duty with your state revenue office and finance with a licensed broker or lender before you act.