Investment Property Scenarios — Andrew & Katherine

Existing Property Owner Occupied

Property Value $1,735,000

Current Loan $1,480,000

Current LVR 85.30%

State NSW

OO Rate

$8,791/m

✓ LMI is $0 on all scenarios — professional LMI waiver applies across the board.

Option 1 — You Fund Stamp Duty & Costs

Investment loan covers 100% of the purchase price. You pay stamp duty, government charges and fees from your own funds.

Purchase Price	Inv. Loan	Stamp Duty & Costs	Your Cash	Combined Loan	Combined LVR	Rate	Inv. Repayment
$300,000	$300,000	$11,984	$11,984	$1,780,000	87.47%	%	—
$400,000	$400,000	$15,764	$15,764	$1,880,000	88.06%	%	—
$500,000	$500,000	$20,264	$20,264	$1,980,000	88.57%	%	—

Option 2 — Borrow Everything ($0 Out of Pocket)

Investment loan covers the purchase price plus stamp duty, government charges and fees. No cash contribution required.

Purchase Price	Inv. Loan	Your Cash	Combined Loan	Combined LVR	Rate	Inv. Repayment
$300,000	$311,984	$0	$1,791,984	88.06%	%	—
$400,000	$415,764	$0	$1,895,764	88.80%	%	—
$500,000	$520,264	$0	$2,000,264	89.50%	%	—

Assumptions — edit any value to recalculate

Rent (per week)

$ /wk

Management Fee

% of rent

Council Rates

$ /yr

Water Rates

$ /yr

Strata / Body Corp

$ /qtr

Landlord Insurance

$ /yr

Maintenance

$ /yr

Option 1 — You Fund Stamp Duty & Costs

100% of purchase price borrowed. You pay stamp duty & fees from your own funds.

Purchase Price	Inv. Loan	Rate	Type	Repayment	Holding Costs	Rent Income	Net Cash Flow

Option 2 — Borrow Everything ($0 Out of Pocket)

Purchase price + stamp duty + fees all borrowed. No cash contribution.

Purchase Price	Inv. Loan	Rate	Type	Repayment	Holding Costs	Rent Income	Net Cash Flow

ⓘ These figures are estimates only and do not include vacancy periods, letting fees, depreciation benefits, or tax deductions. Actual cash flow will vary. Negative gearing tax benefits may offset shortfalls — speak to your accountant for a full after-tax picture.