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Articles & Insights
Explore articles across property buying, investing, Airbnb, and SMSF to help you make better decisions with more context.
WTP Mortgage Calculator
This calculator is built for people who want more than a basic repayment figure. You can model the core loan settings first, then layer in offset balances, staged extra repayment rules, contribution timing, interest-only periods, and offset reuse decisions later on. That means you can see not just what the loan costs now, but how different saving and repayment choices can change interest paid, total cost, and time saved over the life of the loan.
Instead of stopping at one repayment number, this tool helps you understand how the mortgage behaves across the full loan life. You can compare repayment frequencies, account for monthly fees and setup costs, model interest-only periods, build staged rules for extra repayments or offset contributions, and open the full schedule to see the ongoing expenditure timeline in more detail.
This is not just a calculator for showing a repayment amount. It is built to help people model real-life mortgage decisions, including saving into offset for a short-term goal, pausing contributions, holding funds there for a period, then using the money later and seeing exactly how much interest was saved through each part of that process.
See the weekly, fortnightly, monthly, and yearly repayment figures from the current scenario, with the breakdown across interest, principal, and fees.
Model situations where someone wants to save into offset for a few years, stop contributing, hold the funds there for a while, and then reuse the money later, while still seeing how much interest was saved throughout that period.
WTP Property Portfolio Analyser
The WTP Property Portfolio Analyser system is built for scenario planning across an entire portfolio, not just one property at a time. You can model up to 20 properties, forecast buying now versus buying later, build a strategy around your own scenario, and work through the bigger picture across buying, holding, selling, debt reduction, and retirement planning. The tools are intentionally very similar because they all do the same core job — the only difference is whether you want to model investment property only, short-term rental property only, or both together in one combined portfolio.
These tools help you build a full portfolio plan instead of relying on isolated calculations. You can work through property value, debt, income, expenses, projected growth, potential sale outcomes, and longer-term decision-making in one place. That makes it easier to compare timing, test different buying paths, and structure a portfolio strategy around what actually suits your goals and numbers.
Use this when you want one combined calculation that can model both investment properties and short-term rental properties in the same portfolio scenario. This is the best option when your strategy includes a mixed portfolio and you want to see how both property types work together inside one bigger plan.
Use this when the portfolio you want to build is made up of standard investment properties only. It is designed for modelling value, rent, debt, cash flow, and keep-or-sell decisions using normal investment property assumptions.
Use this when the portfolio you want to build is made up of Airbnb or short-term rental properties only. It follows the same portfolio structure, but uses STR-specific assumptions like occupancy, nightly rate, fees, cleaning, and operating performance.