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.