Property remains Australia's most significant asset class. Whether you are buying your first home, assessing an investment property, or managing a portfolio, understanding the true numbers behind a property decision — yield, tax implications, upfront costs, and financing — is essential. AussieCalc's property calculators cover every stage of the property lifecycle with 2025–26 rates and thresholds.

Buying Costs and Financing

The upfront cost of buying a property is almost always higher than the purchase price suggests. The Settlement Costs Calculator totals stamp duty, conveyancing, building inspections, and loan establishment fees. If your deposit is below 20% of the purchase price, you will likely pay Lenders Mortgage Insurance — the LMI Calculator estimates this cost at various LVR levels. First home buyers should use the First Home Buyer Calculator to check FHOG entitlements and stamp duty concessions in their state.

Investment Property Analysis

Gross yield tells you the income return before expenses; net yield tells you the true return. The Rental Yield Calculator calculates both. Many investment properties in Australian capital cities are negatively geared — that is, the rental income does not cover the mortgage and running costs. The Negative Gearing Calculator quantifies the annual tax benefit of this strategy at your marginal tax rate. Property investors can also claim depreciation on the building structure (Division 43) and the removable assets inside it (Division 40) — the Property Depreciation Calculator provides an estimate of annual deductions.

Foreign Buyers

Non-resident and foreign purchasers are subject to additional stamp duty surcharges in most states, ranging from 7% in Victoria to 8% in New South Wales. The Foreign Buyer Surcharge Calculator applies the correct surcharge rate for each state so buyers know their total duty obligation before committing to a purchase.