Disposable Income (Yearly)

Income Growth Rate

Buy Assumptions:
House Price
Loan Size
Initial Deposit
Housing Subsidies
Mortgage Rate (APR)
Mortgage Rate (Monthly)
Mortgage Rate (EAR)
Buying Cost
Selling Cost
Maintenance Cost
Depreciation
Expected Captial Gains
Inflation

Year
Income Growth
Income ($)

House Value ($)

Expenses:
Mortgage Payment ($)
Maintenance Costs ($)
Buying Cost (value is accounted for in Loan amount) ($)
Selling Cost ($)

Accumulated Net Disposable Income ($)

Accumulated Net Disposable Income including Interest Earned/Payable on Disposable Income ($)

Loan Oustanding ($)

Interest Paid ($)
Accumulated Principal ($)
Equity (%)
Equity Value ($)

Buy Net (Portfolio) Value

Rental Expense ($)

Lease Fee ($)
Rent Bond ($)

Net Disposable Income ($)

Investmen Return
Initial Deposit ($)
Portfolio Value ($)
Less: Capital Gains Tax ($)

Rent Net (Portfolio) Value ($)

Buy Net Value - Rent Net Value
 Rent Assumptions:
$ 130,000 Yearly Rent 10,920.00
$ 100,000 Lease Fee
$ 20,000 Rent Bond 840.00
$ 10,000 Initial Deposit -
5.25% Rental growth rate
0.44% Investment Return (Portfolio)
5.38% Capital gains tax(>1year)
Inflation 2.50%

2.50%

0 1 2 3
0 2.19%
26,000.00
 http://www.realestate.com.au/property-apartmen
http://www.realestate.com.au/property

4 5 6 7 8
ww.realestate.com.au/property-apartment-wa-sorrento-124652442
www.realestate.com.au/property-retirement+living-wa-sorrento-420970578

9 10 11 12 13

Buy

Rent
14 15 16 17 18
19 20 21 22 23
24 25 26 27 28
29 30
Disposable Income (Yearly)
Income Growth Rate

Buy Assumptions:
House Price
Loan Size
Initial Deposit
Housing Subsidies
Mortgage Rate (APR)
Mortgage Rate (Monthly)
Mortgage Rate (EAR)
Buying Cost
Selling Cost
Maintenance Cost
Depreciation
Expected Captial Gains
Inflation

Year
Income Growth
Income ($)

House Value ($)

Expenses:
Mortgage Payment ($)
Maintenance Costs ($)
Buying Cost (value is accounted for in Loan amount) ($)
Selling Cost ($)

Accumulated Net Disposable Income ($)

Net Disposable Income ($)

Investmen Return
Initial Deposit ($)
Portfolio Value ($)
Less Management Fees ($)
Less: Capital Gains Tax ($)

Accumulated Net Disposable Income including Interest Earned/Payable on Disposable Income ($)

Loan Oustanding ($)

Interest Paid ($)
Accumulated Principal ($)
Equity (%)
Equity Value ($)

Buy Net (Portfolio) Value

Rental Expense ($)
Lease Fee ($)
Rent Bond ($)

Net Disposable Income ($)

Investmen Return
Initial Deposit ($)
Portfolio Value ($)
Less Management Costs ($)
Less: Capital Gains Tax ($)

Rent Net (Portfolio) Value ($)

Buy Net Value - Rent Net Value
$ 26,000
2%

Rent Assumptions:
$ 130,000 Yearly Rent 10,920.00
$ 112,828 Lease Fee
$ 17,172 Rent Bond 840.00
$ - Initial Deposit -
5.25% Rental growth rate
0.44% Investment Return (Portfolio)
5.38% Capital gains tax(>1year)
$ 2,828.00 Inflation 2.50%
2.45% Savings at year 0 $ 20,000.00
1.00%

2.50%

0 1 2 3
2.19% 2.19% 2.19%
26,569.40 27,151.27 27,745.88

130,000.00 133,250.00 136,581.25 139,995.78

6,991.66 6,991.66 6,991.66

1,332.50 1,365.81 1,399.96
2,828.00 - - ###
- - - ###

- 18,245.24 37,039.04 56,393.30

18,245.24 18,793.80 19,354.26

16.99% 16.99% 16.99%

18,245.24 37,039.04 56,393.30
18,245.24 40,138.90 66,312.77
164.21 333.35 507.54

18,245.24 40,138.90 66,312.77

100,000.00 98,386.54 96,686.30 94,894.63

5,378.20 5,291.42 5,199.98
17,172.00 18,785.46 20,485.70 22,277.37
13.21% 14% 16% 17%
17,172.00 18,785.46 20,485.70 22,277.37

18,245.24 40,138.90 66,312.77

 10,920.00 11,193.00 11,472.83

840.00

15,649.40 15,958.27 16,273.06

16.99% 16.99% 16.99%

19,160.00 34,809.40 50,767.67 67,040.73
19,160.00 38,064.68 60,490.14 87,040.48
172.44 342.58 544.41
- - -

37,892.24 60,147.56 86,496.07

(19,647.00) (20,008.66) (20,183.30)
 http://www.realestate.com.au/proper
Portfolio Assumptions http://www.realestate.com.au
ETF 17.0%
Management Costs 0.9% https://www.thebalance.com/home-m

https://www.vanguardinvestments.co

assume real income growth

assuming buying cost is on loan doe

4 5 6 7 8
2.19% 2.19% 2.19% 2.19% 2.19%
28,353.52 28,974.46 29,609.00 30,257.44 30,920.08

143,495.68 147,083.07 150,760.14 154,529.15 158,392.38

6,991.66 6,991.66 6,991.66 6,991.66 6,991.66

1,434.96 1,470.83 1,507.60 1,545.29 1,583.92
- ### - - -
- ### - - -

76,320.20 96,832.17 117,941.91 139,662.40 162,006.89

19,926.90 20,511.97 21,109.74 21,720.49 22,344.49

16.99% 16.99% 16.99% 16.99% 16.99%

76,320.20 96,832.17 117,941.91 139,662.40 162,006.89
97,506.21 134,584.48 178,560.12 230,617.98 292,144.46
686.88 871.49 1,061.48 1,256.96 1,458.06

97,506.21 134,584.48 178,560.12 230,617.98 292,144.46

93,006.59 91,017.01 88,920.43 86,711.09 84,382.92

5,103.62 5,002.08 4,895.08 4,782.32 4,663.50
24,165.41 26,154.99 28,251.57 30,460.91 32,789.08
19% 20% 22% 23% 25%
24,165.41 26,154.99 28,251.57 30,460.91 32,789.08

97,506.21 134,584.48 178,560.12 230,617.98 292,144.46

 11,759.65 12,053.64 12,354.98 12,663.85 12,980.45

16,593.87 16,920.82 17,254.02 17,593.59 17,939.63

16.99% 16.99% 16.99% 16.99% 16.99%

83,634.60 100,555.42 117,809.44 135,403.03 153,342.66
118,422.53 155,463.34 199,130.58 250,556.45 311,065.62
783.36 1,065.80 1,399.17 1,792.18 2,255.01
- - - - -

117,639.16 154,397.53 197,731.41 248,764.27 308,810.61

(20,132.95) (19,813.05) (19,171.28) (18,146.30) (16,666.15)
ww.realestate.com.au/property-apartment-wa-sorrento-124652442
www.realestate.com.au/property-retirement+living-wa-sorrento-420970578

www.thebalance.com/home-maintenance-budget-453820

www.vanguardinvestments.com.au/retail/ret/investments/product.html

real income growth

ng buying cost is on loan does not go into overdraft facility. And that the negative overdraft is paid out of our deposit

9 10 11 12 13
2.19% 2.19%
31,597.22 32,289.20
Buy
162,352.19 166,410.99

6,991.66 6,991.66
1,623.52 1,664.11
- -
- 4,077.07

184,988.93 204,545.30
22,982.04 19,556.36

16.99% 16.99%
184,988.93 184,988.93
364,761.85 446,291.25
1,664.90 1,664.90
19,597.67

364,761.85 631,238.87

81,929.54 79,344.22
4,538.28 4,406.33
35,242.46 37,827.78
27% 29%
35,242.46 37,827.78

364,761.85 631,238.87
 Rent
13,304.96 13,637.58

18,292.27 18,651.62

16.99% 16.99%
171,634.92 171,634.92
382,207.93 447,145.06
2,799.59 3,439.87
- 20,663.26

379,408.34 423,041.93
(14,646.49) 208,196.95
d out of our deposit

14 15 16 17 18
19 20 21 22 23
24 25 26 27 28
29 30
Lenders mortgage insurance $1,239