Property Stress Test & Cost‑of‑Waiting Calculator

Can your plan survive +3% rates, and what does waiting 5 years cost?​​​​​​​

Run a lender‑style +3% stress test and a 5‑year cost‑of‑waiting model in one clean workbook. See deposit impact, year‑1 cashflow, and missed growth, fast.

What you’ll get:

  • Stress Test (+3%) with a traffic‑light badge: OK / AMBER / RED

  • Cost of Waiting (5y): extra deposit to enter later + missed early growth

  • One‑page Start Here entry form (light‑blue inputs; dark‑blue headers)

  • Export‑ready visuals for slides: Stress badge + Cost of Waiting

  • Sources tab linking to ASFA, Services Australia, ABS, PropTrack, SQM​​​​​​​

As seen in · Awards · 5,000 plus investors use our frameworks.

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Just honest advice to help you buy right.

Why these two numbers matter

Rates change and calendars don’t stop. A plan that only works at today’s rate or assumes you’ll buy “later” is fragile. Our calculator shows, side‑by‑side:

  • What happens to year‑1 cashflow if rates are +3%

  • How much extra deposit you’ll need if you wait 5 years, and the growth you miss in the meantime


Principle: Buffers first. Buy quality you can hold through a tougher rate. Don’t donate your best compounding years to the calendar.

Guided by a buyers’ agent who has done it

  • 18 property personal portfolio built on a median salary
  • $200m plus guided purchases
  • Award winning, independent buyers’ agency
  • GPS Framework used by 5,000 plus investors​​​​​​​
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📞 Book a FREE 1-on-1 Strategy Call
No obligations. Just honest advice to help you buy right.
Property portfolio management, Northern Beaches Buyers Agent Property portfolio management, Northern Beaches Buyers Agent
Rasti Vaibhav

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How it works (3 steps):​​​​​​​

  • Download the calculator and open Start Here.
  • ​​​​​​​Edit the light‑blue inputs (price, LVR, growth, yield, rate, IO years, costs).​​​​​​​
  • Read the right‑hand results: stressed cashflow and the 5‑year cost of waiting.


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What you’ll see, at a glance​​​

Stress Test (+3%)
  • Annual net cashflow at stressed rate
  • Badge: OK (buffered) / AMBER (tight) / RED (too tight)​​​​​​​
The cost of waiting
  • Future price and extra deposit vs today
  • Missed early growth from delaying the purchase

Results (illustrative snapshots)

Mark and Lisa

 

Rates +3% still OK after buffers; cost of waiting showed a larg er deposit hurdle, so they acted prudently at a sensible price point.

Advantages: Acted sooner • Confiden​​​​​​​ t • Built up more buffer.

 

Amy

 
Trimmed unused card limits; increased savings; stress badge flipped from AMBER to OK.


Advantages: Acted sooner • Confident • Built up more buffer.
 

James

 

​​​​​​​Sequenced lenders; passed stress test and captured growth sooner.


Advantages: Acted sooner • Confident • Built up more buffer. 
 

FAQs

That’s normal. Use the +3% stress test and keep buffers first.

No. It is general education. Always seek advice from a licensed broker and qualified accountant.

Enter your details; we’ll email a secure download link. You’ll also get a 5‑minute quick‑start. You will also be redirected to the Thank You page.

Yes — book a 20‑minute Strategy Call. We’ll measure your buffer and map 2–3 steps.

Ready to test your plan, and the cost of waiting?

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An award-winning buyers agency...

Borrowing capacity in Australia

The Property Stress Test & Cost‑of‑Waiting Calculator helps Australian investors see if their plan holds at +3% rates and what waiting 5 years might cost in extra deposit and missed growth. The blue‑branded Excel workbook includes a simple entry form, traffic‑light stress badge, a clear cost‑of‑waiting visual, and a Sources tab linking to ASFA, Services Australia, ABS, PropTrack and SQM. Use it to make calmer, buffer‑first decisions and map your next steps.


Compliance: Education only. Past performance is not a guarantee. Validate assumptions with your accountant and broker.

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Education only. Not personal financial advice.
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