Plan the purchase
Review the purchase price, deposit, transfer duty and settlement allowances. Keep quoted costs and planning estimates distinct.
BUY A HOME OR PLAN AN INVESTMENT
Property Planner: Understand Purchase Costs and Cash Flow
Bring purchase costs, your loan and ongoing expenses into one view. Compare properties using your own budget and assumptions, whether you plan to live in the home or rent it out.
Sign in to use Property Planner. Free and paid memberships have different comparison, scenario and export limits.
WHAT YOU CAN DO
A clearer view of your next decision.
Understand holding costs
Adjust the loan, rent, vacancy and running expenses to see how they affect repayments and cash flow.
Compare your shortlist
Save properties, organise collections and compare the assumptions behind each option. Eligible plans include additional scenarios and Excel exports.
Understand the scope.
Property estimates are not agreed prices. Loan and cost calculations are planning scenarios, not lending approval, an insurance quote or a confirmed transaction. Coverage and available defaults vary by property and location.
Read our data and calculation methods →BEFORE YOU START
Common questions
Can I use it for an owner-occupied home?
Yes. You can review purchase costs and financing for a home you intend to live in. Rental inputs are relevant when you are evaluating an investment.
Can I change the estimates?
Yes. Review and edit the planning inputs before comparing results. Missing information is not treated as a confirmed zero.
Which features need a paid membership?
Free membership supports a smaller comparison. Paid plans add capabilities such as larger comparisons, additional scenarios and exports. The membership page shows the current plan details.
See how the inputs work.
Continue with Property Planner.
Review the information, adjust your assumptions and decide what to investigate next.