Deposit, transfer duty where applicable, conveyancing, searches, inspections and other transaction costs.
Investment Property Costs
INVESTOR RESOURCES
Investment Property Costs
Look beyond the purchase price and organise the upfront, financing and ongoing costs that can change the real affordability of a property.
Begin with a clear framework.
A property can fit the advertised budget and still place pressure on cash flow once transaction and holding costs are included. Build a complete cost worksheet early, use conservative assumptions and have the figures checked for your circumstances.
Loan establishment or valuation costs, interest, lender requirements and the effect of changing rates.
Rates, insurance, maintenance, management, strata or body corporate costs and periods without rent.
Organise the numbers in layers
01
List one-off purchase costs
Ask your conveyancer, lender and relevant state authority which costs and concessions apply to the proposed purchase.
02
Estimate normal annual costs
Use current quotes and property-specific information rather than broad percentages wherever possible.
03
Allow for irregular expenses
Create room for repairs, vacancy, special levies, insurance excesses and other events that may not occur every month.
04
Stress-test the result
Consider how the plan responds if rent is lower, expenses are higher or finance costs change.
Continue your research.
Common questions
Can I calculate the exact costs from a listing?
Usually not. Listings rarely contain every property-specific, finance and personal cost.
Are tax deductions included here?
No. Tax treatment depends on current law and individual circumstances; ask a registered tax professional.
Why include a buffer?
Because repairs, vacancy and changing costs do not always follow a predictable monthly schedule.
General information only. This page does not provide personal financial, legal, tax or investment advice. Property information, prices and availability can change. Verify the current position and obtain advice appropriate to your circumstances before making a commitment.
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