Question 1

What is PropDecider?

Accepted Answer

PropDecider is Australia's property decision engine — a web app that helps migrants and first-home buyers compare 7 property strategies (buy, invest, rent-vest, and more) using real stamp duty, LMI, and government eligibility rules for every Australian state.

Question 2

Does PropDecider calculate stamp duty for all Australian states?

Accepted Answer

Yes. PropDecider calculates accurate stamp duty for all 8 Australian states and territories, including first-home buyer concessions, foreign buyer surcharges, and off-the-plan discounts where applicable.

Question 3

Can migrants and visa holders use PropDecider?

Accepted Answer

Yes. PropDecider is specifically designed for migrants and first-home buyers in Australia. It supports permanent residents, temporary visa holders, and Australian citizens. It checks eligibility for the First Home Guarantee (FHLDS), state first-home owner grants, and foreign buyer surcharges. The app is available in English, Persian (Farsi), Simplified Chinese, Arabic, and Vietnamese.

Question 4

What property strategies does PropDecider compare?

Accepted Answer

PropDecider compares 7 strategies: (1) Buy first home and stop renting, (2) Buy first home and keep renting in current location (live in investment property), (3) Rent-vest — invest in property while continuing to rent, (4) Buy investment property only, (5) Buy with family assistance or guarantor support, (6) Save a larger deposit and buy later, (7) Sell existing property to upgrade. Each scenario includes real financial calculations including deposit required, stamp duty, LMI, monthly repayments, and net cash flow.

Question 5

What is the First Home Guarantee (FHLDS) and does PropDecider check my eligibility?

Accepted Answer

The First Home Guarantee (formerly FHLDS) is an Australian government scheme allowing eligible first-home buyers to purchase with as little as 5% deposit without paying Lenders Mortgage Insurance (LMI). PropDecider automatically checks your eligibility based on your visa status, income, and property price, and factors it into all relevant scenarios.

Question 6

Is PropDecider licensed financial advice?

Accepted Answer

No. PropDecider is a decision-support tool that uses publicly available Australian government rules to produce indicative planning estimates. It is not licensed financial advice. Users should consult a licensed mortgage broker, financial adviser, and/or solicitor before making property decisions.

Question 7

Is PropDecider free?

Accepted Answer

PropDecider offers a 15-day free trial from the date of account creation. After the trial period, a subscription is required to continue accessing the analysis and report features.

Hỗ Trợ và Khiếu Nại

Liên Hệ Hỗ Trợ

Báo Cáo Mối Lo Ngại Về Tính Toán

Khiếu Nại Quyền Riêng Tư

Quy Trình Khiếu Nại Chính Thức