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handbook Articles
Understanding Depreciation: The "Invisible" Deduction
As a building and its fixtures (like carpets, ovens, and blinds) get older, they wear out and lose value. The ATO allows property investors to claim this "loss...
The Landlord Buffer: Your Emergency Fund
In property investing, things go wrong. A hot water system bursts, a tenant leaves unexpectedly, or interest rates rise. A "buffer" is a dedicated pool of cash...
Principal & Interest (P&I) vs. Interest Only (IO)
This refers to how you pay back your bank. P&I loans reduce your debt over time, while IO loans only cover the interest, leaving the original debt amount untouc...
Positive vs. Negative Gearing Explained
Gearing refers to borrowing money to invest. Whether your property is "positively" or "negatively" geared depends on whether the rent covers all the property’s...
What is a "Cost Base" and why does it matter?
Your "Cost Base" is essentially the total price you have paid to own and improve your property. It is the number the ATO uses to calculate your Capital Gains Ta...
Offset vs. Redraw: What’s the difference?
Both help you pay less interest on your mortgage, but they differ in how you access your money and how the ATO views them for investment purposes. Key Concepts...
What is Equity and how do I use it?
Equity is the portion of your property that you truly "own." It is the difference between what your property is worth on the market today and the amount you sti...
tutorial Articles
How to Add Your Property
Adding a property to PropKeeper is about more than just filling in an address. It’s about getting your ducks in a row so you can see the big picture of your wea...
Calculating Rental Yield like a Pro
Rental yield measures how much income your property generates relative to its value. It is the primary tool for comparing property performance. Key Concepts Gro...
Understanding LVR (Loan-to-Value Ratio)
LVR stands for Loan-to-Value Ratio. It is a percentage that shows the size of your loan compared to the value of your property. Banks use this to assess how "ri...
Financial Disclaimer
The information provided in this Knowledge Base is for general informational purposes only and does not constitute financial, investment, or legal advice. PropKeeper is not a financial advisor. Australian property investment involves risks, and you should always perform your own due diligence or consult with a licensed professional before making significant financial decisions.