Scenario Modeller

Model the deal before you take it to a lender.

Adjust any input to see how land equity and your income overlay combine to amplify borrowing capacity, with live serviceability testing on every change.

Land Equity Inputs

$1,000,000
$100,000$10,000,000
80%
30%95%

Income Overlay Inputs

$80,000
$10,000$500,000
20%
5%40%
10%
5%15%

P&I Stress Test

8%
4%12%
20 years
5 years30 years
Land Borrowing Capacity
$800,000
$1,000,000 × 80% LVR
Net Recognised Income
$64,000
$80,000 × (1 − 20%)
Sellerbr8 Capacity Uplift
$640,000
$64,000 ÷ 10%
Total Combined Valuation
$1,640,000
Total Borrowing Capacity
$1,440,000
+$640,000 vs standard LVR only
P&I Stress Test
Monthly Repayment
$12,044.74
Monthly Income Overlay
$6,666.67
Net Monthly Cash Flow
-$5,378.07
0.55x
DEFICIT