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Slider 400k–2m; typical Australian investor band.
ATO 2026–27 brackets, Stage 3 settings.
5–40%; balance is borrowed.
Investor loan, interest-only, current market.
State median: 4.2% (CoreLogic).
Conservative national long-run avg.
New build keeps the loss-offset tax shield; established loses it from Budget night. The gap appears in cash flow every year of the hold.
Division 40 plant & equipment deductions only apply to new builds. Established stock gets Division 43 capital works only — about half the first-year shield.
New build picks the cheaper of 50% discount and indexation. Established gets indexation only with a 30% effective-rate floor — the discount is no longer available post-2027.
Victoria assesses off-the-plan investor duty on land value at contract — typically 30–40% of the finished property value. The state's largest single concession to OTP buyers.
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Built by The Move — an off-the-plan property research platform for Australian real-estate agents. We do this kind of analysis for every project on our platform, applied to the specific demographics, growth, and tax position of each location.
Every figure on this calculator is sourced. Every assumption is explicit. We don't collect your data — your numbers stay in your browser.