PROPERTY INVESTMENT 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.

SmartProperty 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. Doing your due diligence and planning, SmartProperty 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 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

Property investors often worry about how much they can borrow from lenders to finance their investments. Smart Property Investment's borrowing power calculator uses a matrix that comprises of various details that includes 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.

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

Those 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 the 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 amouhnt of fixed monthly repayments needed compared to variable monthly repayments, as well as the total interest payable.

Investor often have the option to either pay extra payments to the loan so as to accelerate the fulfilment of the loan agreement 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 finds 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.