Buyer Tools
Rent vs Buy Analyser
Find the break-even year where buying beats renting. Model your scenario with real numbers to make a confident decision.
If You Rent
3.00%
0%8%
If You Buy
$800,000
$300K$3M
20%
5%40%
Deposit
$160,000
Loan
$640,000
6.20%
3%10%
5.00%
0%10%
Rates, insurance, maintenance (excludes mortgage).
2.50%
1%5%
Investment Return (if Renting)
7.00%
3%12%
What could you earn investing the deposit instead?
Comparison Period
10 years
1 yr30 yrs
Analysis Results
Break-Even Year
Year 7
Buying wins after 7 years
At End of Period
Buyer's Net Equity 0
Renter's Portfolio 0
Wealth Advantage 0
Monthly Costs
Buyer (mortgage + costs) 0
Renter (current) 0
Monthly difference 0
Estimates only. Does not include stamp duty, LMI, conveyancing, or tax considerations. Seek professional advice.
Book a Free AppraisalYear-by-Year Cashflow
| Year | Rent Paid (Cumul.) | Property Value | Remaining Loan | Buyer Net Equity | Renter Portfolio | Advantage |
|---|
Want to know what this means for your property?
Daniel walks through your property, reviews recent sold results in your street, and gives you a clear number. Free, no obligation.