What Property Can We Afford?

Live cashflow impact · VIC stamp duty · comfort / stretch scenarios

Cash Available

$170,287

Weekly Surplus

+$2,005

Current Equity

$983,540

Existing Debt

$1,216,460

Scenario

Conservative

$700k · 25% dep

Comfortable

$900k · 20% dep

Stretch

$1.2M · 15% dep

Purchase Type

Investment

Owner-occupied

Purchase Price $700,000

Cash Deposit Available $130,000

Leaves buffer in Offset + Savings. Max caps at current $170k cash.

Interest Rate 6.20%

Loan Term 30 yrs

Expected Weekly Rent $600

Suburbs like Newport/Yarraville/Footscray: ~4.5% gross yield.

Live Impact

Comfortable

You can afford this with a healthy buffer.

Loan Amount

$770,000

LVR 85.6%

Stamp Duty (VIC)

$49,070

Non-first-home investment

Total Upfront

$182,070

Deposit + stamp + ~$3k legals

Weekly Repayment

$1,090

$4,722 / month

📊 Weekly Cashflow Impact

Current weekly surplus +$2,005

+ Rental income (80%) +$624

− New loan repayment −$1,090

− Property costs (rates, ins, mgmt)−$135

New weekly surplus +$1,404

🎯 Sweet Spot — Max Comfortable Price

$1,120,000

Keeps weekly surplus above $500 (safe buffer). Uses current settings.