How much could you rentvest while keeping the beach lifestyle?
Built for Sunshine Coast professionals who want to live near the beach and still own property. Model what you could buy in a growth corridor like Banya or Aura while continuing to rent in Maroochydore or Mooloolaba.
Calibrated for Sunshine Coast rentvesting: Maroochydore (rent) → Banya / Aura / Nirimba / Bells Reach (buy).
Your scenario
Based on your rent, income, commitments and the target suburb's yield, here's what your indicative rentvesting deal could look like.
$1,493,371
Calculator results are illustrative only and do not constitute credit or financial product advice. Borrowing capacity depends on individual lender policy, full income and expense verification, and your existing credit profile. Loan In Pty Ltd t/a Brokerly (ACN 662 420 484), ACL 391237, Credit Representative 544009.
Frequently asked questions
What does the Rentvesting Capacity Calculator actually estimate?
It estimates an indicative investment-property purchase price you could comfortably support while continuing to rent your current home, based on rent, household income, existing commitments, interest rate and target-suburb yield.
How does renting in Maroochydore but buying in Banya work financially?
You keep paying rent in your lifestyle suburb (Maroochydore, Mooloolaba) while a new-build investment in a growth corridor like Banya or Aura earns rental income, capital growth and depreciation tax benefits, usually with a small weekly out-of-pocket cost.
Is this tool a substitute for getting actual lender pre-approval?
No. The calculator is directional, real lender serviceability uses HEM, buffer rates, shading on rental income and full credit history. Brokerly will validate the result against live lender policy in your first call.
Why is rental income shaded to 75%?
Most Australian lenders only count 75–80% of gross rental income towards serviceability to allow for vacancy, management fees and maintenance, the calculator uses 75% to stay conservative.
Which Sunshine Coast suburbs suit rentvesting?
Banya, Aura, Nirimba, Bells Reach and Caloundra West are the most common rentvest buy-in suburbs because of new-build pricing, 4.3–4.8% gross yields and strong capital growth fundamentals.
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