See exactly what happens if you put your current equity to work over the next 10 to 30 years, without your own cash for a deposit.
A few questions, about two minutes. Every number is yours to see. No email required.
Do you own a home in Australia?
This works whether it’s just your own home, or if you already have an investment property.
Tell us about the investment property you already own.
Combined totals are fine. We’ll confirm the detail at the review. This matters because existing loans change how much a lender will let you borrow next.
$
$
$
Choose how many, and add the combined value, loan and weekly rent.
When did you buy your home, and for how much?
Let’s look at how much your property has grown since you bought it.
$
Add the year and the price to continue.
What is your home worth today?
A rough estimate is fine.
$
$300k$2.5M
Enter what your home is worth today.
How much is left on your loan?
The balance you still owe to the bank. Enter 0 if it is paid off.
$
$0$2M
Enter the balance owing, or 0.
What is your combined household income before tax?
Make sure to include all overtime, shift penalties and allowances for you and your partner. These make a big difference in how much the banks let you borrow.
$
$
Enter your income before tax.
How many years until you want to stop working?
Whether that means retiring completely, or moving back home for good.
20 years
530
Reading your purchase history
Step One · What You Already Have
You’ve Already Made Money Without Lifting A Finger.
The growth your home has achieved simply by existing in the market.
Usable Equity Available Today (80% Of Equity)
$0
Step Two · What It Generates
The Wealth This Equity Could Generate.
Based on the income you entered and the value of the property you already hold, using that equity to secure investment property, without touching your savings.
Wealth You Could Generate By Year 30
$0
Properties You Could Build To
0
Cash Deposit Required
$0
Every deposit and purchase cost is drawn from equity: the equity you hold today, then the equity each property generates as it grows. No savings are used.
What Would Take This Further
Step Three · The Long Hold
A Realistic Look At The Long Term Wealth You Can Generate.
What you would be left holding if you sold, after every cost and after capital gains tax.
Net Profit If You Sold, After Capital Gains Tax
$0
Portfolio Value$0
Debt Outstanding$0
Net Equity Before Selling$0
Selling Costs And CGT$0
Total Of Your Own Money Contributed$0
Step Four · The Equity Gap
Putting It To Work, Versus Doing Nothing.
Two futures. In both you keep your own home and every dollar it grows. The only difference is whether the equity sitting inside it is put to work.
Put The Equity To Work
$0
Leave It Where It Is
$0
If You Do Nothing, You Lose
$0
What It Took, And What It Returned
Your Own Money In$0
Holding Cost Per Month$0
Wealth Created$0
Return On Investmentn/a
Return Per Year$0
Return Per Month$0
The Assumptions Behind Every Number
Deliberately conservative. These are the same inputs used in the Empire 8 Long Term Hold Analyser, so nothing on this page contradicts what you are shown in a review.