Retirement-age goals are worked out from your age, not your partner's.
0
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Your income
Bonus income? We'll use the more conservative of your last two years
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Property you already own
Include your home and any investment properties
No, none yet
Yes, I own property
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Expenses & other debts
The everyday numbers lenders check
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Your savings
What you've got now, and what you can keep putting away
20% Comfortable
30% Disciplined
40% Committed
50% All-in
Share of your take-home household income put toward the next deposit, after everyday living expenses already accounted for. This scales up automatically as your income grows — the more dedicated a saver you are, the faster your first few properties come together.
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If money wasn't the issue...
What would you like to achieve through property?
Retire debt-free on rental income
Build a portfolio, then sell part of it to clear all debt and live off the rest
Build a target net worth in equity
e.g. "$10m in equity over 20 years" — accumulate first, decide what to do with it later
Reach a target number of properties
e.g. "I want 10 properties" — see how long it realistically takes
Just show me what's possible
No specific target — show my natural buying pace over time
We'll always chase the fastest route: keep buying and topping up equity as long as it's serviceable, then work out the earliest age you could sell down and retire debt-free on your target income — even if that's sooner than the age above.
Keep buying and topping up equity as aggressively as serviceability allows — no selling down, just growing the pile. We'll tell you the earliest age you cross the target, even if that's sooner than the age above.
The property you'll keep buying
A typical purchase profile used for every property in the plan
Deposit needed is (100% − LVR) of price, plus purchase costs — e.g. 88% LVR still means a 12% deposit plus ~5% for stamp duty and buffer, not just the 12%. Tier 1 (majors) can lend up to the LVR you set above; Tier 2 and Tier 3 are always capped at 80% LVR regardless, so a purchase that lands with a second-tier or non-bank lender needs the fuller 20%+5% deposit stack.
Tiers 1–3 represent major bank / second-tier bank / non-bank specialist lenders in generic form. Every purchase is tried against Tier 1 (Big 4) first — best rates and the easiest, fastest approval when serviceability allows — then falls back to Tier 2 and finally Tier 3 only once the Big 4's stricter servicing can no longer fit the purchase, since Tier 3's more generous shading picks up the slack as the portfolio grows.
Default growth of 7.18%/yr reflects property values roughly doubling every 10 years, a commonly cited long-run Australian benchmark. As soon as a property's value has climbed by at least the "min. value gain" figure since its last top-up (or purchase), its equity is pulled out and put toward the next deposit — the plan always takes the most aggressive accumulation route available.
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Start over
Ready for a loan application?
Turn these numbers into a broker Fact Find
We attach everything you entered here, ask a few standard broker questions, and send it straight to the Assembly Finance team.