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Investment vs Owner-Occupier

Compare the after-tax cost of investment lending vs PPOR. CPA perspective included.

Your Scenario

0%32.5%37%45%+2%

Investment Property

Effective Rate (after tax)

3.94%

Tax Saved p.a.

$16,188

Net Cost p.a. (after tax + rental)

+$6,238

Owner-Occupier (PPOR)

Cost p.a. (no deductions)

-$43,750

Over 5 years

Total Tax Saved

$80,938

Total Rental Income

$169,000

CPA Tax Insight

These figures are illustrative. Your actual after-tax position depends on depreciation schedules, capital gains timing, land tax, and whether the property is positively or negatively geared. A CPA-qualified broker can model your specific scenario.

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LK Compareby Local Knowledge Finance

Tools for illustration only. Not financial advice. Ding Financial Pty Ltd (trading as Local Knowledge Finance) ACN 110 490 947. Authorised Credit Representative Number 517980 of Global Mutual Funds Pty Ltd ACN 090 555 436 AFSL/Australian Credit Licence 222640.