🏢 Property Investment Type
Different types have different LVR limits
Residential Investment: Maximum 90% LVR (10% deposit minimum). Most lenders cap investor loans at 90% LVR. Some lenders may go higher with established banking relationships, but 90% is the realistic maximum for most scenarios.
💵 Investment Funding Sources
Savings ready to deploy (no ongoing cost)
From refinancing PPR or existing investment
Rate on the equity loan (if using equity)
Understanding Equity: Using equity means refinancing an existing property to access funds. While this increases your available capital, it creates an ongoing monthly payment that affects your serviceability. The calculator shows this cost separately.
💰 Your Income
Your main salary or business income
Partner income (if applicable)
Investment income (assessed at 80%)
From THIS property (assessed at 80%)
🏡 Living Expenses
Children or other financial dependents
HEM is industry standard
All living costs
💳 Existing Debts & Commitments
Current home loan repayment
Car loans, personal loans, etc.
Combined limit (assessed at 3% annual)
Study loan balance
📋 Investment Loan Parameters
Current typical rate for investment
Typically 25-30 years
Banks typically add 3%
📍 Property Location & Costs
Affects stamp duty - compare different states!
For substantial renovations
📊 Your Investment Property Budget
Maximum Loan Amount
$0
Maximum Property Budget
$0
LVR (Capped at 90%)
0%
Investment Loan Payment (P&I)
$0
Cash Requirements Breakdown
Property Deposit (10%):
$0
Stamp Duty (VIC):
$0
Legal & Inspections:
$0
Reserve (2.5% of purchase price):
$0
TOTAL CASH NEEDED:
$0
Your Available Funds (Cash + Equity):
$0
REMAINING FUNDS:
$0
💼 About the 2.5% Reserve: This reserve ($0) provides a buffer for settlement variations, unexpected costs, initial holding expenses, and contingency. Professional service fees (Buyers Advocate 1-2%, Financial Planner $2K-$5K, QS $600-$1,200, Accountant $2K-$5K) are NOT included in this calculator - budget for these separately.
Monthly Serviceability Assessment
Monthly Income (excl. rental):
$0
Living Expenses:
$0
Existing Commitments:
$0
Investment Loan Payment (assessed):
$0
MONTHLY SURPLUS:
$0