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Property Calculators · NSW 2026 | Weiss Real Estate
Weiss Intelligence Suite

Eight tools for property decisions.

Each calculator is built around current NSW 2026 figures and real-world Eastern Suburbs property transactions. Use them as a starting point — then let's talk strategy.

Calculator 01 · For Buyers

NSW Stamp Duty.

Transfer duty on a NSW residential property purchase, to 2025–26 Revenue NSW rates. Includes First Home Buyer concessions and premium duty above $3,721,000.

Contract price before any deposit deduction.
FHBAS: full exemption to $800,000, concession to $1,000,000.
Total Stamp Duty Payable
$0
on a $0 purchase

The breakdown.

Standard transfer duty$0
Total Government Costs$0
Current bracket: —
Calculator 02 · For Sellers

Cost of Selling.

The full picture of what selling actually costs — and what lands in your account after settlement.

Sydney typically 1.5%–2.5%, negotiable.
$8K–$20K typical for $2M–$5M properties.
$0 if private treaty.
Net Proceeds to You
$0
after costs, mortgage and fees

The breakdown.

Sale price$0
Agent commission$0
GST on commission$0
Marketing campaign$0
Auctioneer$0
Legal$0
Styling$0
Total Selling Costs$0
Less: mortgage payout$0
Net Proceeds$0
Effective cost: 0% of sale price · You keep: 100%
Calculator 03 · For Buyers

Mortgage Repayment.

Monthly, fortnightly or weekly repayments on a home loan — and the total interest you'll pay over the life of the loan.

Your Repayment
$0per month
on a $0 loan

Over the loan term.

Total amount repaid$0
Of which interest$0
Of which principal$0
Interest as % of loan0%
Where each dollar goes0% interest
PrincipalInterest
Calculator 04 · Decision Tool

Rent vs Buy.

Long-term financial comparison including mortgage costs, property growth, rent increases and the opportunity cost of your deposit invested elsewhere.

If you buy

If you rent

Time horizon

After 10 Years
The Verdict
Buying wins by $0
over the selected time horizon
Buy — Net Position
$0
property equity less costs
Rent — Net Position
$0
investment portfolio less rent

If you buy

Property value (end of period)$0
Less: remaining mortgage$0
Equals: equity$0
Less: total interest paid$0
Less: total ownership costs$0
Less: stamp duty & costs$0

If you rent

Deposit invested (compounded)$0
Less: total rent paid$0
Calculator 05 · For Buyers

Borrowing Power.

An indicative estimate of how much a lender might lend you, based on income, expenses, dependents and existing commitments.

Application type

Annual income

Monthly expenses

HEM benchmark: $3,500–$8,000 by household.
~$650/month per dependent.
Lenders assess at 3.8% of limit/month.

Loan parameters

APRA 3% buffer above current rates.
Indicative Borrowing Capacity
$0
based on your inputs
Estimated Property Range
$0 – $0
Assuming 10–20% deposit. Below 20% adds LMI.

How it breaks down.

Total gross income$0
Estimated tax (PAYG)–$0
Net monthly income$0
Total monthly expenses–$0
Surplus for mortgage$0
Indicative only. Lenders apply proprietary serviceability formulas. Actual capacity may differ substantially.
Calculator 06 · For Investors

Investment Yield.

Gross and net rental yield, cash-on-cash return, and whether the property will run positive or negative gearing.

The property

Annual expenses

The loan

Yield Performance
Gross Yield
0.00%
rent ÷ purchase price
Net Yield
0.00%
after operating expenses
Weekly Cashflow Position
$0
— per week before tax

Annual breakdown.

Gross rental income$0
Less: vacancy$0
Effective rental income$0
Total operating expenses$0
Net operating income$0
Less: annual loan interest$0
Pre-tax cashflow (annual)$0
Cash-on-cash: 0% · Geared: —
Don't forget depreciation. A QS schedule typically adds $5K–$15K of paper deductions in year one for a Sydney property — often flipping negative to positive after tax.
Calculator 07 · Forecasting

Property Appreciation.

Simple compound-growth projection of what a property might be worth in the future. Useful for planning — not a prediction.

Historical context: Sydney's Eastern Suburbs averaged 5–7% annual growth over 30 years — but individual decades have ranged from negative to over 12%. Past performance doesn't repeat.
Projected Future Value
$0
in 10 years at 5% p.a.
Total Capital Gain
$0
Growth Multiple
1.00×

Year-by-year projection.

YearValueAnnual GainTotal Gain
This is a model, not a forecast. Property markets move in cycles. Use this for scenario planning, not investment decisions.
Calculator 08 · Specialist

Loan Scheduler.

Year-by-year amortisation with optional extra repayments. See exactly how much interest you save and how many years come off the term.

The loan

Extra repayments

Even $200 extra/month makes a meaningful difference.
One-off extra payment each year (e.g. bonus).
Offset accounts: Money in an offset account has the same effect as extra repayments — without locking funds away.
Your Acceleration Result
Total Interest Saved
$0
— off your loan term
Standard Repayments
Monthly$0
Total interest$0
Paid off in— yrs
With Extra Repayments
Monthly$0
Total interest$0
Paid off in— yrs

Annual schedule

YearPrincipalInterestBalance
Compounding effect: Extra repayments early save more than the same payments later. The first 5 years matter most.

These tools give you the numbers.
The strategy is the conversation.

Every calculator above is a starting point. A real property decision depends on which buyer pool you're in, which building, which suburb, which moment in the cycle.

Begin a Conversation Or call 0412 176 074

All figures are estimates based on 2025–26 NSW rates and publicly available data. They do not constitute financial, legal or taxation advice. Verify with Revenue NSW, your conveyancer, accountant or licensed broker before any transaction.