About Proplyx

What is Proplyx?

Proplyx is a free Australian property affordability calculator. It shows the true monthly cost of owning a property — not just mortgage repayments, but council rates, strata, insurance, maintenance, stamp duty, and more.

We pre-fill costs based on your state, council, and property type so you can get a realistic estimate before you buy.

Data sources

We use official government sources and peak industry data wherever possible. All values are estimates — actual costs depend on your specific property, council, lender, and circumstances.

Important disclaimers

• Proplyx is not financial advice. We provide estimates for educational and planning purposes only. Always consult a licensed financial advisor before making property decisions.
• Stamp duty concessions (first home buyer, owner-occupier) depend on eligibility criteria we cannot verify — including income, residency, and property history. Verify with your state revenue office.
• Council rates shown are council-level averages. Your actual rate depends on your property's assessed value and your council's rate-in-the-dollar.
• LMI rates are simplified estimates. Actual LMI varies by lender, loan amount, and borrower type.
• Land tax is estimated from the property price using an approximate land-to-price ratio. Actual land tax depends on your property's assessed land value — look up the actual value via your state's Valuer General.
• Water rates are state-level averages. For apartments, water is typically included in strata levies. Actual bills depend on your water authority and usage.
• Conveyancing, loan fees, and inspection costs are industry averages. Actual fees depend on your chosen provider. These are market-driven with no regulated rates.
• We are not affiliated with any bank, mortgage broker, real estate agent, or government body.

Attribution

Some data used in this calculator is derived from Australian government sources, licenced under Creative Commons Attribution 4.0 (CC-BY 4.0).