Resources
Tools and guides, minus the spin
Everything here follows the same rules as our advice: sources cited, assumptions visible, and no number pretending to be a promise.
Research
Open data · free to reuse with a linkRenting vs buying on the North Shore, by postcodeGross rental yields, and the monthly cost of buying against renting, for every North Shore postcode with a published DCJ median: houses yield 1.9% to 2.4%, units 2.8% to 4.9%.Read the report →Calculators
Stamp duty calculator NSW
Transfer duty from the current Revenue NSW rates, with first-home-buyer exemptions and the source shown on the page.
Open →LMI calculator
An estimate band for lenders mortgage insurance from a published example table — never presented as a quote.
Open →Borrowing power calculator
A serviceability approximation with every assumption printed on the page, including the regulatory-style rate buffer.
Open →Repayment calculator
Your repayment at your rate, and what a 25 or 50 basis point move does to it.
Open →Debt recycling calculator
How fast the home loan converts, what the deduction is worth, and the return the investments have to beat.
Open →FHSS calculator
What the First Home Super Saver scheme would release, the tax on the way out, and how it compares with taking the pay.
Open →Offset account calculator
Interest and years saved by an offset, a full offset against a partial one, and the balance a package fee needs.
Open →Bridging loan calculator
Peak debt, the interest over the bridge and the loan left after the sale, with the sale price tested lower.
Open →Refinance calculator
The monthly saving, every switching cost including NSW registration fees, and the month a switch pays for itself.
Open →Rental yield calculator
Gross and net yield from the rent, the price and every running cost, starting from real Ku-ring-gai medians.
Open →Negative gearing calculator
What a rental costs to hold after tax on 2026–27 rates, including the 2027 rule for homes bought after Budget night.
Open →Usable equity calculator
The equity a lender would usually let you use, the purchase it could fund, and what a lower valuation does to both.
Open →RBA cash rate tracker
Every cash rate decision since May 2022, what a rise does to your repayment, and the 3-point stress test.
Open →Construction loan calculator
Interest on each progress payment as it's drawn, the interest across the build, and the repayment once it's finished.
Open →Land tax calculator NSW
The 2026 land tax on your investment land, three-year averaging, the threshold gap and the foreign surcharge.
Open →Capital gains tax calculator
Tax on selling an investment property, under today's 50% discount or the 2027 rules with indexation and a 30% minimum tax.
Open →LVR calculator
Your loan-to-value ratio, the deposit it implies, and how far the loan must fall to reach 80%, 90% or 95%.
Open →Investment property calculator
Cash needed with NSW duty, repayments, rent less costs, and the weekly cash flow after tax under the 2027 rules.
Open →Reverse mortgage calculator
How a reverse mortgage or the Home Equity Access Scheme compounds, and the most the law or the scheme lets you borrow.
Open →Rent vs buy property calculator
Local median prices and rents for NSW suburbs, and the price growth buying needs to beat renting.
Open →Guides
Capital Gains Tax on Property: The 2027 Changes
How capital gains tax on property works today, what changes from 1 July 2027 (indexation and a 30% minimum tax), and why selling early buys little.
Read →Downsizer Contribution: Rules and the Pension
From 55 you can put up to $300,000 each from selling your home into super. The ATO rules, the 90-day deadline, and what it can do to the Age Pension.
Read →First Home Buyers Stamp Duty NSW and the Grant
NSW first home buyers pay no stamp duty up to $800,000 and less up to $1m. Who qualifies, what it's worth on the North Shore, and the new-homes grant.
Read →Knock Down Rebuild: Finance and Approvals in NSW
How a knock down rebuild is financed in NSW: your existing loan, a construction loan drawn in stages, CDC or DA approval, and Ku-ring-gai's tree rules.
Read →LMI Waivers: Which Professions Qualify, and When
An LMI waiver lets some doctors borrow 95% with no mortgage insurance. Which lenders waive it for nurses, physios, accountants and lawyers, and the catch.
Read →NSW Land Tax: The 2026 Threshold and Rates
NSW land tax for 2026: the $1,075,000 threshold, $100 plus 1.6% above it, three-year averaging, and why North Shore investors cross it with one house.
Read →What Is a Reverse Mortgage? Costs and the HEAS
A reverse mortgage lets you borrow against your home with no repayments while you live in it. How fast it grows, its cost, and the 3.95% government loan.
Read →Bridging Loans: Buying Before You Sell
How a bridging loan works when you buy before you sell, how lenders size the end debt, the 12-month limit most publish, and when selling first is safer.
Read →Cost to Refinance a Home Loan, and When It Pays
The real cost to refinance a home loan in NSW, from the $182.73 registration fees to a fixed rate break cost, and how to find the month a switch pays back.
Read →Deposit Bonds: How They Work at a NSW Auction
A deposit bond stands in for the 10% deposit due on the day at a NSW auction. Here's how bonds work, what they cost, and when a vendor can refuse one.
Read →Help to Buy Scheme: How It Works in NSW
Help to Buy is open: the government can own up to 30% of an existing home, the NSW cap is $1.3m in Sydney, and it can't be used with the 5% Deposit Scheme.
Read →Negative Gearing in Australia: The 2026 Rules
What negative gearing is, what the 2026 law changes from 1 July 2027, and what a North Shore unit or house costs to hold after tax at today's rents.
Read →Offset Account: How It Works and When It Pays
How an offset account cuts interest, why it beats redraw if your home later becomes a rental, and the balance a $395 package fee needs before it pays.
Read →How to Use Equity to Buy an Investment Property
How usable equity is worked out, why the bank's valuation decides it, standalone loans against cross-collateral, and keeping the investment debt separate.
Read →Big Banks vs Non-Bank Lenders: What's Different
Non-bank lenders: how they fund home loans, what APRA doesn't regulate, why their rates run 60 to 100 basis points higher, and when one still fits.
Read →Can I Use My Super to Buy a House? FHSS vs SMSF
FHSS lets first home buyers release up to $50,000 of voluntary super, but it pays out weeks after an auction deposit is due. An SMSF can't buy your home.
Read →What Does a Mortgage Broker Do? Broker vs Bank
What a mortgage broker does from first call to settlement, how the lender pays us, the best interests duty since 2021, and when going to your bank is fine.
Read →The First Home Guarantee (5% Deposit Scheme)
The 5% Deposit Scheme worked through for a Hornsby unit: the mortgage insurance it saves, what the bigger loan costs, and where Sydney's price cap bites.
Read →Guarantor home loans, explained properly
How a guarantor home loan works, what the guarantor really signs, how the guarantee gets released, and the alternatives, from a West Pymble broker.
Read →Pre-Approval Home Loans: How It Works + Checklist
What a pre-approval home loan commits a lender to, a documents checklist, how long it lasts, what quietly breaks it, and holding one through auction day.
Read →Debt recycling, explained properly
Debt recycling worked through with real numbers: one Chatswood household over ten years, the paydown it has to beat, and the 2027 tax change.
Read →Talk to a broker in under a minute
Three quick taps, then your details, and a real broker replies within one business day.
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