Property Investment Roadmap
Provin Property
Provin Property
Property investment roadmap

Your property investment roadmap

Enter your numbers once. This works out the biggest property you could buy today, then simulates buying again and again — using equity and monthly savings — to see whether you hit your goal inside your timeframe.

Location & ownership
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Land tax is charged on land value, not total property value — this splits the two.

Your numbers
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Under 20%, LMI is added to the loan, not the deposit — unless waived above.

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The most negative cash flow you can absorb out of pocket each month — not extra savings. Only a genuine rental surplus builds your cash reserve.

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Converted to a cash-on-hand target for a commercial property deposit: (goal ÷ 7%) × 40%.

Next investment property (repeats)
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The deposit isn't fixed — the plan works out the smallest deposit (at or above this floor) that clears your borrowing cap and cash flow limit, so you can buy as soon as possible.

Every property after the first is bought at this fixed price and deposit level, whenever your cash and equity allow it. The price doesn't grow over time — once bought, each property's own value does grow at the rate below.

Market assumptions
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Exit strategy
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Runs the plan out to this year, sells every property, repays all loans, and works out capital gains tax under the post-budget rules.

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Property 1 — today

What your borrowing power and deposit buy you right now.

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Max property price
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Loan amount (incl. LMI if applicable)
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Monthly repayment
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Deposit used

The gameplan

How the portfolio grows, purchase by purchase.

    Progress toward your goal

    Net cash if sold today
    Target

    Year by year

    Portfolio size, debt, land tax, cash flow, usable equity and your current borrowing cap at the end of each year — split by property once you own more than one.

    Year Property Portfolio value Total debt LVR Land tax (yr) Net monthly cash flow Usable equity Borrowing cap Ready to buy?

    Summary