Stage 03 · Analyse
19 Julia Street, Ashfield NSW
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Analysis

The true cost of owning this property.

Mortgage interest, ownership costs and likely repairs. modelled from your loan assumptions. Adjust anything to see the impact instantly.

Ownership risk & cost score
See full breakdown →
72/100
Good value with moderate risks
Flood exposure
Low–Moderate
Building condition
Needs updates
Liquidity
Slightly weak
Property age
Built 1998 (28 yrs)
Buyer overview

This property is slightly overpriced once likely repairs, risks and borrowing costs are included. The location is good but the building age and ongoing maintenance suggest negotiation room.

Slightly overpricedNear-term spendModerate risk
True cost to own · estimated
$141,540/ year
≈ $11,795 / month. including mortgage, costs and likely repairs.
True ongoing cost of owning this property at your loan assumptions. with likely repairs included.
84%
8%
Interest84%
Ownership8%
Maintenance4%
Repairs3%
Interest · largest driver
$119,040 / yr
~$9,920 / mo
$1,920,000 loan · 6.20% · 30 yr
Ownership · council, water, strata, insurance
$12,000 / yr
~$1,000 / mo
Rates, levies, building insurance
Maintenance · ongoing upkeep
$6,000 / yr
~$500 / mo
Minor repairs & general care
Repairs likely · near-term issues
$4,500 / yr
~$375 / mo
Spread of $35–60k across 10 yrs
Estimated monthly repayment (P&I)
Principal + interest at your rate, loan amount and term.
$11,759 / month

Mortgage assumptions

edit anything
Purchase price$2,400,000
Deposit (20%)20%. $480k
Interest rate (p.a.)6.20%
Loan term30 years
Loan amount
$1,920,000
Monthly P&I
$11,759
Change these assumptions to see how your cost changes instantly.
Repair signals & estimated costs
  1. Bathroom condition
    Renovation likely
    High
    $12k – $18k
  2. Kitchen appears dated
    Upgrade likely
    Medium
    $8k – $15k
  3. General wear & tear
    Multiple areas
    Medium
    $6k – $12k
  4. Windows & seals
    Possible leaks
    Low
    $3k – $6k
  5. Paint & finishes
    Refreshing needed
    Low
    $2k – $4k
Total likely repairs
$35k – $60k
Near-term (≤2 yrs)

These issues are common in properties like this and are often missed during inspections. Upload your inspection report for verified costs.

Reality check

Most buyers focus on price.

The loan will cost you ~1.0× the purchase price over time.

Total interest over 30 years
$2,313,386
On a $1,920,000 loan at 6.20%.

5-year cost snapshot

Interest paid$576,567
Principal repaid$128,997
Total mortgage outflow$705,564
82/100
82% of your repayments in the first 5 years go to interest. Most equity is built in the second half of the loan.

Interest rate sensitivity

year-1 total cost at each rate
5.50%
if rates fall
$128,100/yr
6.20%
current
$141,540/yr
you are here
7.00%
if rates rise
$156,900/yr

A small change in rates moves your annual cost by tens of thousands. Lock-in vs variable matters more than people think.

Monthly cash-flow impact

owner view
Monthly cost to own$11,795
After-tax monthly income$15,400
Surplus per month
+$3,605
Comfortable headroom for unexpected costs.
Get serious about this property

Take the right steps before you buy.

Questions to ask the agent

  • Why is the owner selling?
  • How long has it been on market?
  • Are there any offers on the table?
  • What's included in the sale?

What to send your conveyancer

  • Contract of sale
  • Section 10.7 certificate
  • Strata by-laws & minutes
  • Any disclosures or reports

What to look for in inspections

  • Structural issues
  • Roof, plumbing, electrical
  • Signs of water damage
  • Pest, drainage & moisture
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Recommended offer price
Verified repair costs
Full defect breakdown
Strata & building risks
Borrowing capacity impact
Risk & downside analysis
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Get a decision-ready analysis with verified costs, risks, and your recommended offer range.

  • Recommended offer price
    What we think this home is worth, with confidence band.
  • Safe price to avoid overpaying
    The walk-away point if negotiations stall.
  • Borrowing capacity impact
    What this purchase does to your future buying power.
  • Rate sensitivity scenarios
    What happens if rates rise 1%, 2%, or 3%.
  • Rent vs own comparison
    When buying actually beats renting on this property.
  • Downside risk
    What you lose if prices fall 10–20%.
  • Buy / negotiate / walk-away decision
    The bottom line, in one card.
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Recommended offer price
Full defect breakdown & photos
Verified repair costs with quotes
Strata report & building risks
Borrowing capacity impact
Risk & downside analysis
Rent vs own comparison