DontSell.com.au

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Live example — 14 Lachlan Lane, Taylors Hill VIC

Here's what
it looks like.

A fully worked example using real suburb data and comparable sales. All figures are indicative. Watch the report build exactly as it would for your property.

Step 1 of 4

Nice. We've got it.

Researching 14 Lachlan Lane, Taylors Hill VIC 3037. Watch the report build in real time.

Researching your property 0%

Locating property records…

▶

Tom explains the process

Short guided explanation of what's about to happen.

◾

Wait quietly

No explanation needed — just show me the results.

Step 2 of 4 — Your property snapshot

14 Lachlan Lane,
Taylors Hill VIC 3037

Estimated current value

$1,130,000

Range: $1,050,000 – $1,210,000

Strong evidence · 5 comparable sales

Unrealised gain

$445,000

Over 7 yrs
Since purchased March 2019
For $685,000

Historic growth

7.4% p.a.

$2,268,000 by 2036

Recent comparable sales

8 Lachlan Lane, Taylors Hill$1,095,000

22 Copperfield Dr, Taylors Hill$1,140,000

5 Crestwood Cl, Taylors Hill$1,085,000

Rental estimate

$590 – $650/wk

Gross yield approx. 2.9% · Low vacancy

Used in scenario

$620/wk

Step 3 of 4 — Your numbers

Your scenario,
personalised.

For this example we've used a $480,000 mortgage, a $950,000 next property budget, and VIC stamp duty.

Current mortgage

$480,000

Next property

$950,000

Buying in

VIC

Equity drawable (80% LVR)

$424,000

Refinanced IO loan: $904,000

VIC stamp duty

$50,070

On $950,000 purchase

New home loan

$579,570

After $424,000 equity applied

Combined IO monthly

$8,036

Net after rental: $5,349/mo

Step 4 of 4 — Your options

✓

You may be able to keep and buy.

Refinancing your current property releases $424,000 to fund your next purchase. The keep path appears viable — subject to lender approval.

Strongest current move

Keep & Buy

Refinancing to 80% LVR releases $424,000 to fund your $950,000 purchase. The new home loan sits at $579,570. Holding the current property as a rental could generate $620/wk to offset your IO holding costs.

Combined IO monthly

$8,036

Net after rental: $5,349/mo

New home loan

$579,570

After $424,000 equity applied

Equity smoothing options

No smoothing

$5,349/mo

Surplus at yr 10: $733k

Recommended

5+5 draw

$2,342/mo

yr 1–5 · then $1,914/mo

$70/wk more than selling

10yr draw

$3,846/mo

Surplus at yr 10: $552k

The long game

In 10 years, selling this property could clear your new home loan entirely.

At its historic growth rate of 7.4%, your current property may be worth $2,268,000 by 2036. After selling costs, clearing the refinanced debt of $904,000 leaves $1,312,604 — enough to pay off the new home loan of $579,570 with $733,034 to spare.

Potential surplus after clearing all debt

$733,034

→

Based on historic CAGR. Interest only assumed on both loans. Indicative only — not financial advice.

The DontSell difference

What does each path look like
at year 10?

Same property. Same starting point. The difference is what you own at the end.

Option A — Sell now, then buy

Monthly P&I repayment

$2,063/mo

Properties owned

New home only

Remaining loan at yr 10

$276,675 still owing

Total wealth at yr 10

$1,663,167

One property · net of debt

Option B — Keep & Buy now

Net monthly cost

$5,349/mo

After rental income of $620/wk

Properties owned

Current (sold yr 10) + new home

Position at yr 10

Debt free

New home cleared + $733,034 surplus

Total wealth at yr 10

$2,672,876

New home + surplus cash · debt free

The moment that changes everything

You could own your home
outright in just 10 years.

Option B clears your new home loan entirely at year 10 — and leaves you $733,034 in cash. Option A still has $276,675 owing with 20 more years of payments ahead.

Option B also builds $1,009,709 more total wealth

Before you sell — know your options.

Option A: P&I on 30-year term at 6.5%. Option B: IO on both loans, rental $620/wk, current property sold at yr 10 at 7.4% CAGR. Indicative only — not financial advice.

A note on capital gains tax

When the current property is sold in year 10, CGT may apply to the gain made since it became an investment. The surplus shown is before CGT — the actual amount depends on your income, structure, and cost base. A Hey Tom call is the right place to model this properly.

All projections are indicative only. Not financial advice.

Ready to run your numbers?

This was just
an example.

Your property has its own growth rate, its own equity position, and its own story. Enter your address and we'll show you yours.

Australian property intelligence

Own your
next move.

Most homeowners are shown one path. We show you all of them — before you commit to anything.

Enter your property address

Indicative analysis only. Free, no obligation. Takes about 3 minutes.

Step 2 of 4 — Your property snapshot

14 Lachlan Lane, Taylors Hill VIC 3037

4 beds

2 baths

2 cars

— sqm

House type

Estimated current value

$1,130,000

Range: $1,050,000 – $1,210,000

Strong evidence · 5 sales

Unrealised gain

$445,000

Over 7 yrs
Since purchased in March 2019
For $685,000

Historic growth

7.4% p.a.

$2,268,000 by 2036

Step 3 of 4 — Your numbers

Let's make this
about you.

You've seen what the property is worth. Three quick numbers and we can show you what's actually possible.

Current mortgage balance

Next property budget

Buying in which state?

Step 4 of 4 — Your options

Cashflow smoothing

You have — of available equity sitting in your new property from day one. Rather than leaving it idle, your broker can structure this into an offset account against your new home loan — reducing your effective monthly cost without drawing on credit to service debt. Your savings do the work.

No smoothing

Maximum surplus

—

Net monthly · Surplus: —

10-year smoothing

Draw once at purchase

—

Net monthly · Surplus: —

Most accessible

5 + 5 year smoothing

Draw at purchase + yr 5 refi

—

Yr 0–5 via offset account · then —/mo in yr 5–10 as rental grows

—

than selling, for just 5 years

Surplus: — · Still debt free at year 10

This strategy works if your property grows at more than —.
This property has grown at — over the last — years — not a suburb average, this property's own rate.

Option A (sell first): —/mo P&I for 30 years · no surplus · one property.

Recommended structure: Rather than redrawing equity to service loan costs, ask your broker to park the available equity in an offset account against your new home loan. Same net monthly cost — but your savings reduce the interest charged daily, the loan balance stays clean for tax purposes, and interest deductibility on the retained property is fully preserved.

A note on capital gains tax

When you sell the retained property in year 10, CGT may apply to the gain made since it became an investment. The surplus shown is before CGT — the amount depends on your income, ownership structure, and cost base. In many cases the 50% CGT discount applies. The offset account structure also preserves the full interest deductibility of the retained property loan — another reason to discuss structure with a qualified adviser. This is exactly the kind of conversation a Hey Tom call is built for.

All projections are indicative only and based on historic growth rates. Interest only repayments assumed throughout. Not financial advice.

Talk it through

Talk it through
with Tom.

The call isn't a sales pitch. It's Tom walking through what the numbers mean for your situation — and what he'd be thinking next.

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Here's whatit looks like.

Nice. We've got it.

14 Lachlan Lane,Taylors Hill VIC 3037

Your scenario,personalised.

This was justan example.

Own yournext move.

On it.