Advanced mode adds serviceability modelling, savings projections, pre-tax and post-tax cash flow lines, and other investment tracking to this dashboard. These features are provided for illustrative and modelling purposes only.

The figures produced in advanced mode do not constitute financial advice, credit advice, tax advice, or any other form of professional advice. Serviceability calculations use simplified assumptions and do not reflect the lending criteria of any specific lender. Actual borrowing capacity depends on lender policies, living expenses, credit history, and other factors your broker will assess.

Always seek advice from a licensed financial adviser, mortgage broker, and accountant before making any investment or borrowing decisions. StratMap does not hold an Australian Financial Services Licence and is not a credit licensee.

Calculations have not been independently verified and may contain errors. Growth rates, yields, tax estimates, and serviceability figures are indicative only. Past performance is not a reliable indicator of future results. This tool is not a substitute for professional advice.

I, [your full name], declare that I have read and understood the above disclaimer, and that I will use this advanced modelling tool for illustrative purposes only and not as a substitute for professional financial, credit, or tax advice.

Funding destination

Select source property

Equity release Loan 2 will be added to the source property's debt. Its interest is charged to the destination while both are held personally or jointly, because that is where the money is used. The destination property's primary loan is unchanged.

None selected

This is a modelling tool. Cross-collateralisation and equity release structures should be confirmed with your mortgage broker before proceeding. Not financial or credit advice.

Property

Sale breakdown

CGT estimate uses the marginal rates from your salary fields, including the Medicare levy. A jointly held property splits the gain 50/50 on title and taxes each half from that owner's own income upward, so the half of an owner with no income is taxed from the bottom of the scale. A custom share such as 99/1 is not modelled. Carried-forward losses reduce the taxable gain: the property's quarantined or entity loss balance first, then each owner's own carried tax loss. A company or SMSF pays its own flat rate on the gain (an SMSF after a one-third discount when held more than 12 months, a company with no discount), with no split at 1 July 2027. On a sale before 1 July 2027 the discount follows the structure: 50% personal, joint and trust. On a sale from 1 July 2027 by a personal, joint or trust owner: bought before that date, the gain is split at 1 July 2027, with the discount on the part before it and indexation with a 30% minimum on the part after; bought on or after it, indexation with the 30% minimum, and a new build takes the lower of the two methods. Confirm with your accountant. Not financial or tax advice.

Property

Confirms that this strategy purchase has settled. The property moves from "Strategy" to your real portfolio. Amend any field if the settled values differed from the strategised values.

On confirm: this property moves from Strategy to your real portfolio. A "Purchase confirmed" entry is added to the value log. Any source-of-funds allocations above are subtracted from their source balances.