Calculators

PROPERTY INVESTMENT CALCULATORS

Knowledge is power

Having your finances in order is essential to any successful investment. Use our calculators below to help plan your investment strategy and maximise your investment potential.

Loan Comparison Calculator

Determining which loan options gives you the most savings is a difficult task for property investors, who often use simple factors such as the amount of monthly payments on each loan option to compare and determine which loan option is more feasible.

 

Smart Property Investment's loan comparison calculator allows two different loans options to be directly compared by letting you adjust the different variables affecting the loan. It indicates the total overall payments and savings one can earn.

...

Stamp Duty Calculator

Stamp duty is a charge applied by state governments in Australia on the transfer of land titles of properties. Charges may vary depending on the purpose of the security purchased, whether it be for investment or for occupancy. By doing your due diligence and planning, Smart Property Investment's stamp duty calculator allows you to work out the tax so that you can include it in your future calculations and budgets.

Each state and territory has a different scale of charges and systems in place for calculating the stamp duty of each property purchase.

 

However, there are discounts in place for first-home buyers and low-income earners, subject to different eligibility requirements such as:

  • Applicants must be a person, not a company or trust
  • Applicants must be a permanent resident or Australian citizen
  • Applicants must be over 18 years of age
  • No co-purchaser may have previously owned a residential property within Australia
  • Must be a principal place of residence for a continuous period of six months

...

Borrowing Power Calculator

Property investors often worry about how much they can borrow from lenders to finance their investments. Smart Property Investment's borrowing power calculator uses salary, incomes, annual expenses, loan and credit card expenses and other similar expenses to determine the maximum amount available for a loan on your future property purchase.

 

Aside from a total borrowing amount, our borrowing power calculator breaks down your monthly repayment giving you a better idea of how this may affect your current day-to-day living expenses.

...

Principal and Interest Calculator

Investors who think about satisfying the mortgage sooner than what is stipulated in the mortgage agreement could use Smart Property Investment's principal and interest calculator.

 

This is used to determine the length of time required to advancing the mortgage repayments before the completion of the mortgage, as well as allowing investors to know how much of their principal and how much of their interest they are paying off each month.

...

Split Loan Calculator

Investors considering splitting their loan agreements to allocate a portion of the loan amount to attract both a fixed rate and a variable rate can make use of Smart Property Investment's split loan calculator to determine and estimate the approximate amount of fixed and variable rate portions in your split loan.

 

You would also be able to determine the amount of fixed monthly repayments needed compared to variable monthly repayments, as well as the total interest payable.

...

Lump Sum Calculator

Investors often have the options to either pay extra payments on their loan to pay off their loan faster or pay a lump sum amount to the loan. A lump sum is a single payment of money as opposed to a series of payments made over time.

 

Investors usually find themselves with extra assets and monies that could be used to pay the mortgage early. Smart Property Investment's lump sum repayment calculator determines exactly how much interest you could save over the years by adding a lump sum to your mortgage, the loan balance after five years, and the time and interest saved on your loan from adding this lump sum onto your loan.

...

Extra Repayments Calculator

If you find yourself in a situation with more regular money at hand, extra repayments on your mortgage can help you significantly over the long-term. Smart Property Investment's extra repayment calculator can find out how quickly you can pay off a loan with additional payments.

...

Capital Gains Tax Calculator 2018

Capital gains tax (CGT) is a tax levied on the profits you make when you dispose of an asset that you have acquired on or after September 20, 1985. The amount levied with tax is calculated by getting the difference of the property acquisition and maintenance costs and the proceeds of the sale of the property barring any exemptions that are applied to from the Income Tax Assessment Act of 1997 or any exemption determined by the Australian Taxation Office (ATO).

 

Smart Property Investment's capital gains tax (CGT) calculator allows an estimated calculation of the CGT to be paid based on the sale price of a property minus all expenses associated with acquiring, holding, and disposing of the property. It indicates the total capital gains one can earn and tax one should pay the ATO.

...

Loan Repayments Calculator

Investors need to determine the appropriate loan repayments would be over a certain period of years of their home loan agreements. Smart Property Investment's loan repayment calculator provides a determinate amount of mortgage repayments by using the length of the loan term, interest rate and loan-to-value-ratio to calculate the total amount needed.

...

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FROM THE WEB

podcast

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With the softening market impacting property values in many parts of Australia, Sally Dale, Opteon state director for NSW, ACT and Qld joins us to discuss the importance of valuations in the current property market

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Joining host Phil Tarrant, Sally will draw on her 25 years of experience in valuation and discuss the processes involved in arriving at a value for a particular property. She will also share how that process differs between commercial and residential properties and the difficulties which regional property valuations can present.

Sally will unpack the importance and cost of regular valuations on your properties, discuss whether presentation and owner input can sway a valuation and share what you should look for when seeking a reputable property valuer.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

Do this one thing before you invest in a commercial SMSF property
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AREAS MENTIONED: 

Sydney
Brisbane
Adelaide

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A softening market can be a difficult time for a property investor with finance approval tightening and property capital growth slowing, and while many real estate agents are also feeling the squeeze McGrath Brighton Le Sands' Bill Tsounias claims it is simply the market returning to normal.

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In this episode of the Smart Property Investment Show, Bill joins host Phil Tarrant to share his thoughts on the current Sydney property market, and to share the shifts that he has seen in house and unit sale prices following their worst quarter in the past decade.

Bill will unpack why properties are spending longer on market, share what he believes property investors are doing wrong when trying to sell their properties and share the secrets to getting the best out of a real estate agent and an auction in the current softening market.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

Why I still buy in Sydney
Property market update: Sydney, July 2018
Sydney rental market slowing, latest research finds

AREAS MENTIONED:

Revesby
South Hurstville
Sans Souci
Strathfield

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Top 100 ranked agent Bill Tsounias shares the secrets to getting the best deal in a softening market
object(stdClass)#10883 (52) {
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  string(5) "18404"
  ["title"]=>
  string(64) "A joint property portfolio before they were even living together"
  ["alias"]=>
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  ["introtext"]=>
  string(293) "

Gavin Kemp and his now-fiancé bought their first property together after only six months of dating. They weren’t even living together at the time. Now, two years on, the pair have bought five properties, sold two and have a solid plan in place for their ongoing property journey. 

" ["fulltext"]=> string(2893) "

In this episode of the Smart Property Investment Show, Gavin joins host Phil Tarrant to discuss how he chose the locations where he decided to invest and how, due to the initial lack of education (something that he now values highly), he lost money on his first two investments.

Gavin will share his thoughts on the current property market, reveal the people who he has leaned on throughout his property journey and discuss why his strategy employs a zero procrastination rule.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

What makes a good investment suburb?
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AREAS MENTIONED:

Redcliffe
Port Macquarie
Loganlea
Launceston
Raceview

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A joint property portfolio before they were even living together

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