✦ Complimentary for Affinity Landlords — Worth $297
Know Exactly What Your
Investment Property Is Really Worth
Our Property Investment Analysis Report (PIAR™) gives you a complete financial picture of your rental property — income, tax deductions, loan structure, ownership scenarios, and a full 10-year forecast — so you can earn thousands more per year and make confident investment decisions.
$500+
Extra income p.a. guaranteed
<0.5%
Arrears rate — best in industry
48 hrs
Report delivered within
✦ Request Your Free PIAR™
Property Investment Analysis
Worth $297 — provided exclusively to landlords considering Affinity Property management. Delivered within 48 hours.
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What We Need From You
A Simple Checklist — We Do the Rest
To prepare your personalised PIAR™, we send you a short checklist of property and financial details to gather. Everything else — the full analysis, tax modelling, loan schedule, and ownership scenario comparison — is completed by our team and delivered to you within 48 hours.
Don’t worry if you can’t find everything straight away. We’ll work with what you have and follow up for anything we need. Once your report is complete, our team will also show you how Affinity Property’s management fee structure typically improves the numbers you’ll see in your analysis.
Why do we need your salary?
Your marginal tax rate determines how much the ATO returns to you from property-related losses. It drives the PAYG Withholding Variation calculation — meaning instead of waiting until tax time, the benefit is paid directly into your regular pay packet. We model your exact tax position, and also show you what the numbers look like at adjacent tax brackets so you can plan ahead as your income grows.
What’s Inside Your Report
Five Detailed Analysis Modules
Your PIAR™ is a comprehensive, personalised document. Here is exactly what each of the five modules covers — and what you’ll be able to do with the information once you have it.
01 Rental Income & Expense Statement — Full Cash Flow Analysis
10-Year Forecast
What we calculate
Why it matters
Most landlords focus only on rent received versus mortgage repayments. Our full income and expense statement surfaces every real cost — body corporate levies, management fees, maintenance, insurance — so you see your true net position with nothing hidden. The 10-year projection shows how your cash flow and profitability evolve as rent grows, loan interest reduces on P&I loans, and expenses escalate with CPI. It turns guesswork into a clear, actionable financial roadmap.
02 Tax Position, Depreciation & After-Tax Surplus
ATO-Compliant
Non-cash deductions we model
The PAYG Withholding Variation
For a $192,500 salary earner at the 45% marginal tax rate, a taxable property loss of $15,829 generates a $7,123 annual tax benefit. Rather than waiting until the end of the financial year, you can lodge a PAYG Withholding Variation with the ATO — and that benefit is paid to you in every regular pay packet throughout the year. We include a plain-English explanation of this process and a direct link to the ATO application form in your report.
03 Ownership Structure Comparison — PAYG vs SMSF & Other Scenarios
Scenario Modelling
What we model side by side
The difference is often transformational
For a $192,500 salary earner at the 45% marginal tax rate, a taxable property loss of $15,829 generates a $7,123 annual tax benefit. Rather than waiting until the end of the financial year, you can lodge a PAYG Withholding Variation with the ATO — and that benefit is paid to you in every regular pay packet throughout the year. We include a plain-English explanation of this process and a direct link to the ATO application form in your report.
04 Loan Amortisation Schedule — Standard & Accelerated Repayment
★ Special Feature
See the dedicated section below for a full explanation and sample table. This is one of the most powerful and most underused tools available to property investors — and it is included in full in your PIAR™.
05 Consolidated Portfolio Analysis — Multiple Properties
portfolio view
For investors with more than one property
See the full picture — not just individual properties
Viewing properties in isolation is misleading for tax planning. A consolidated portfolio report reveals your total taxable position, the combined ATO tax benefit across all properties, and which individual properties are contributing most to — or detracting from — your overall returns. For investors holding two, three, or four properties, this view is essential for structuring repayments, reviewing management fee value, and deciding where to reinvest or consolidate.
✦ Special Feature — Module 04
Your Complete Loan Amortisation Schedule
Most landlords have no clear picture of how their loan works month by month — how much of each repayment goes to interest versus reducing the principal, what the balance will be in five or ten years, and how much total interest they’ll pay over the full loan term.
Your PIAR™ includes a complete, month-by-month amortisation schedule for every payment over the life of your loan. You can see exactly how the interest component reduces — and the principal component grows — with every single payment made.
We also produce an accelerated repayment scenario that models what happens when additional payments are made — for example, directing SMSF concessional contributions as extra monthly repayments. The interest saving and reduction in effective loan term can be dramatic, as the figures below illustrate.
$338,296
Total interest — standard P&I loan, 29 years, no extra payments
$147,524
Total interest — same loan with monthly SMSF extra payments applied
$190,772
Total interest saved through accelerated repayments
$2,070/mo
Scheduled monthly repayment — $382,000 at 4.95% P&I over 29 years
| # | Opening Balance | Interest | Principal | Closing Balance | Cumul. Interest |
|---|---|---|---|---|---|
| 1 | $382,000 | $1,575.75 | $494.07 | $381,505.93 | $1,575.75 |
| 2 | $381,505.93 | $1,573.71 | $496.10 | $381,009.83 | $3,149.46 |
| 3 | $381,009.83 | $1,571.67 | $498.15 | $380,511.68 | $4,721.13 |
| 4 | $380,511.68 | $1,569.61 | $500.20 | $380,011.48 | $6,290.74 |
| 5 | $380,011.48 | $1,567.55 | $502.27 | $379,509.21 | $7,858.29 |
| 6 | $379,509.21 | $1,565.48 | $504.34 | $379,004.87 | $9,423.76 |
| 7 | $379,004.87 | $1,563.40 | $506.42 | $378,498.45 | $10,987.16 |
| 8 | $378,498.45 | $1,561.31 | $508.51 | $377,989.94 | $12,548.46 |
| 9 | $377,989.94 | $1,559.21 | $510.61 | $377,479.34 | $14,107.67 |
| 10 | $377,479.34 | $1,557.10 | $512.71 | $376,966.62 | $15,664.77 |
| 11 | $376,966.62 | $1,554.99 | $514.83 | $376,451.80 | $17,219.76 |
| 12 | $376,451.80 | $1,552.86 | $516.95 | $375,934.84 | $18,772.62 |
Your complete schedule covers all 348 monthly payments across the 29-year term. An accelerated version shows the effect of SMSF contributions directed as additional repayments — saving over $190,000 in interest in this example.
Ownership Scenario Modelling
The Same Property — Dramatically Different Returns
One of the most powerful features of the PIAR™ is side-by-side scenario modelling. We compare returns under different ownership structures and income levels — because the same property can produce a radically different after-tax result depending on how it’s held and who holds it.
Example — 2 BEDROOM UNIT, Macgregor · Purchase Price $442,000 · Debt $382,000 · Investor Salary $192,500
PAYG — Personal Name Ownership
45% marginal rateSMSF — Super Fund Ownership
★ High-earner scenarioIncome Level Scenarios
How Your Tax Bracket Changes the After-Tax Return
The tax benefit of a negatively geared property is directly tied to your marginal income tax rate. The higher your income, the greater the annual return on the same investment. Your PIAR™ models your exact tax bracket — and shows you what the numbers look like under adjacent brackets, so you can plan ahead as your income grows.
| Annual Income | Marginal Tax Rate | Taxable Property Loss | Annual Tax Benefit | Per-Week Benefit | After-Tax Surplus (Yr 1) |
|---|---|---|---|---|---|
| $45,001 – $135,000 | 30% | $15,829 | $5,144 / yr | $98.92 / wk | −$1,416 / yr |
| $135,001 – $190,000 | 37% | $15,829 | $5,857 / yr | $112.64 / wk | −$703 / yr |
| $190,001+ | 45% | $15,829 | $7,123 / yr | $136.98 / wk | +$563 / yr |
| SMSF (any salary) | 15% concessional | — | +$12,995 / yr | $249.90 / wk | +$12,995 / yr |
Key insight: Through a PAYG Withholding Variation lodged directly with the ATO, your tax benefit is not paid as a lump sum at tax time — it is returned to you in every regular pay packet, spread across the year. This makes the day-to-day cash management of a negatively geared property significantly more manageable. Your PIAR™ includes step-by-step guidance on this process and a direct link to the ATO application form.
Portfolio Analysis
Multiple Properties? We Analyse Them All Together
For investors with more than one rental property, we produce a consolidated portfolio analysis — every property side by side in a single view, with a combined tax position and total net surplus after principal repayments.
Example — 4-Property Portfolio · $192,500 Salary · 45% Tax Rate · 5.99% Interest Rate
$117,373
Combined rental income
$57,245
Total portfolio taxable loss
$25,761
Total combined ATO tax benefit
$25,621
Total after-tax surplus
$2,043,341
Combined current market value
Simple Process
How to Get Your Report — Five Easy Steps
From your first enquiry to a personalised, detailed report delivered to your inbox — all within 48 hours, at no cost to you.
Submit the Form
Fill out your name, contact details, property address, and ownership structure above.
Checklist Emailed
We send you our Investment Analysis Checklist — a short list of documents and figures we need to complete your report.
We Do the Analysis
Our team prepares your full PIAR™ — income and expense statement, tax position, ownership scenarios, loan schedule, and portfolio view.
Report Delivered
Your personalised, detailed report arrives within 48 hours — clear, accurate, and ready to share with your accountant or financial adviser.
Consultation
We’ll walk you through the findings and show you exactly how Affinity Property can maximise the returns your analysis reveals. Most landlords switch to us immediately after this call.
CLIENT REVIEWS
Trusted by North Brisbane Landlords for Over a Decade
“The ongoing management of not only the property but the flow of information when things need attention is just outstanding — and has been for the last 9 years.”
“I am enjoying the growth that this property is finally producing. I also appreciate the more personalised service I receive from your Affinity Team.”
“Sean and his team did an excellent job — professional, diligent, and always on top of things. We first engaged Affinity about 10 years ago.”
“I found the insights uncovered through the analysis very useful for building a strategy for my investment properties. Sean was very helpful and his experience in this area was equally strong. I would highly recommend.”
“Sean McCreanor and his team at Affinity have definitely raised the bar in their industry and restored my vision of what a Real Estate Agent should aspire to be. When it comes to being honourable, friendly, professional and family orientated, Affinity ticks all the boxes. Great Communication and the advice and help we received was invaluable.”
“I’ve been a property investor for over 3 decades and my previous property managers in QLD were a nightmare, there was a revolving door of incompetent staff and the tenants were of poor quality. I spent hours researching reviews of property managers in the area and Affinity were one of the few that made the shortlist. Before I made the change to Affinity I spoke to Sean and discussed in detail my expectations and requirements of a property manager. I found Sean to be very knowledgeable, honest and over time since I made the change to Affinity Property they have shown themselves to be far superior to the previous managers of my property. Affinity found much better quality tenants who are taking care of my property and rent is consistently paid on time. Not all property managers are equal and I have peace of mind that Affinity is managing my property.”
Over 200 five-star ratings across Google, Facebook, and RateMyAgent.
✦ Complimentary — Worth $297
Get Your Complete Property
Investment Analysis Today
Your PIAR™ covers everything: cash flow, depreciation, tax benefit at your income level, PAYG vs SMSF comparison, full loan amortisation schedule with accelerated repayment modelling, and a portfolio view if you own multiple properties. Two minutes to request. 48 hours to receive. Complimentary for landlords ready to get more from their investment.