PIAA · For Investors

Property investor calculators

Four quick tools to pressure-test a purchase before you commit — the real entry cost, the weekly cash position, what waiting could cost you, and the rentvesting trade-off.

The true cost of buying

Most investors budget for the deposit and forget the rest. Stamp duty alone can be more than five years of loan interest — and it's rarely the only extra.

Purchase price$750,000

State

Estimated upfront cost on top of your deposit

$34,362

total purchase costs (excluding deposit)

Stamp duty

$28,162

Legal / conveyancing

$1,800

Building & pest

$600

Loan & other fees

$3,800

That's 4.6% of the purchase price in costs before you own a thing — and the stamp duty alone equals roughly 0.8 years of loan interest. Most investors leave this out of the deposit plan.

Stamp duty estimated using 2026 investor rates for the selected state. Investors don't receive first-home-buyer concessions. Figures are indicative — your exact duty comes from the state revenue office, and a conveyancer confirms the rest.

Numbers looking marginal?

That's exactly when independent advice pays for itself. A PIAA accredited advisor — paid by you, not a developer — will pressure-test the whole picture before you commit. Find one who fits.

Find your advisor

These calculators provide general information and indicative estimates only. They are not financial, tax, credit or legal advice and do not consider your personal circumstances. Stamp duty, interest, rent and growth figures are illustrative and will differ in reality. Always seek advice from appropriately qualified and licensed professionals before making any investment decision.