Buying a property

Add a property with a purchase year, or as a Buy a property milestone set to As soon as affordable. Beside its fields a panel shows the cost in the year you buy: the deposit, stamp duty, fees and any lenders mortgage insurance, what the cash accounts hold as that year opens, and what is left after settlement.

When nothing in the plan pays for the rest of the price yet, the panel offers a home loan to add.

Stamp duty

On the free plan, stamp duty is an estimate from the plan’s rate, or the figure you type in. On Plus, Calculate stamp duty works it out for the property’s state from the published rates, including first home buyer concessions where they apply.

A property you already own

A property owned from the start shows its value, the loans on it and your equity. Use Buy it in to turn it into a purchase instead and see what buying it would cost.

Plan my property purchases (Plus) works backwards from the passive income you want, laying out each purchase in the first year the money is there.