CALCULATORS

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 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.

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.

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.

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.

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.

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 (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.

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.