Propemo
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The honest numbers on a place — before you fall in love with it. Total cost to buy, the real long-run return, and how it stacks up against simply investing the cash.

Cash you actually need up front
$221,351
$190,000 deposit + $31,351 costs
FHB stamp duty saving
$9,320

What the purchase costs

New South Wales · 2026 rates
Stamp duty (after FHB concession)$27,959
Conveyancing / legals$1,800
Building, pest & strata inspection$650
Lenders mortgage insurance—
Title transfer & mortgage reg.$342
Loan establishment$600
Total transaction cost$31,351
The question nobody selling you the house will ask

Should you even buy it?

Buying this place vs. putting the same $221,351 of upfront cash into a diversified ETF and renting instead. Both grown over 15 years on your assumptions.

🏠 Buy this property
$1.21m
equity after 15y · +$994k net
📈 Invest the cash + rent
$753k
ETF balance · +$531k net
Property equityETF balanceProperty value (gross)
On these numbers, buying comes out ahead. Leverage is doing the work — your 5.0% growth applies to the full $950k, not just your deposit. The gap is $462k.

Suburb price trend

SAMPLE DATA

In production this pulls real median-price history from Domain / Cotality. Shown here as illustrative sample data.

Prototype for demonstration. Stamp duty uses approximate 2026 scales — verify with the relevant state revenue office before exchange. Projections are simplified (interest-only, pre-tax, no rent inflation or selling costs) and are not financial advice. Propemo is not a licensed financial or tax adviser.