Investment snapshot

Redcliffe, QLD 4020

Property investment analysis for Redcliffe, Queensland

General information only — not personal financial, tax, or investment advice. Results are estimates based on published tax rates and market data. Terms · Privacy

Redcliffe investment property metrics

Median Price

$1.09M

House

Median Rent

$643/wk

Gross Yield

3.1%

Vacancy Rate

1.6%

Days on Market

Population

10,460

+1.5%/yr

Capital Growth

1 Year

13.2%

3 Year (annualised)

11.3%

5 Year (annualised)

12.0%

HTAG RCS Scores

Growth 4/10 — Fair

Cashflow 7/10 — Good

Overall 5/10 — Fair

Market Context

Demand

Low

Supply

Moderate

Days on Market

43 days

Population Trend

+1.5%/yr

10,460 residents

Run the numbers for Redcliffe

Pre-filled with Redcliffe median values. Adjust to match your scenario.

Property Details

StatePurchase Price

Deposit

20%

$217,868 deposit · LVR 80%

Weekly Rent

Your Gross Income (salary)

Interest Rate (p.a.)

Loan Type

P&IInterest Only

Property Type

EstablishedNew Build

Ownership Structure

IndividualDiscretionary Trust

Growth & Hold

Annual Capital Growth

Hold Period

years

Your weekly contribution after tax

$518/wk

$2,245/mo · $26,942/yr

Negatively geared — tax benefit of $13,090/yr reduces your out-of-pocket

PAYG Withholding Variation

Apply to the ATO to get $503 extra per fortnight in your pay, instead of waiting for your tax refund.

Acquisition Summary

Stamp Duty (QLD)$43,162LMI PremiumN/ALoan Amount$871,470Total Upfront Cash$263,430

Cash Flow Analysis

Gross Rental Yield3.1%Net Rental Yield2.2%Annual Rental Income$32,150Total Annual Expenses-$8,133Annual Loan Repayment (P&I)-$64,050Pre-Tax Cash Flow$-40,033Tax Benefit (neg. gearing)+$13,090After-Tax Cash Flow$-26,942/yr

Depreciation claimed: $10,893/yr (Building: $10,893 + Fixtures: $0)

Fixture depreciation (carpet, blinds, appliances) cannot be claimed on established properties purchased after 2017 — only building depreciation applies. A quantity surveyor report will give exact figures. Building cost estimated at 40% of purchase price.

Capital Growth Projection (10 yrs)

Future Value$3,377,282Capital Gain$2,351,312CGT Payable (50% discount)-$848,341Net Proceeds (after CGT & costs)$2,461,395

Transitional CGT Split Applied

Your holding period spans 1 Jul 2027. The capital gain is split proportionally between old and new rules:

Pre-Jul 2027 (10.8%)$253,967 gain → $50,493 taxPost-Jul 2027 (89.2%)$2,097,344 gain → $797,848 tax

Pre-portion: 50% discount at marginal rate. Post-portion: CPI-indexed cost base, 30% minimum tax floor.

Total Cash Flows (10 yrs)$-269,423Cash-on-Cash Return-12.2%Estimated IRR14.8%

Year-by-Year Summary

Year	Value	Equity	Total Cash Flow
1	$1,219,841	$358,679	$-26,942
2	$1,365,978	$515,782	$-53,885
3	$1,529,622	$691,091	$-80,827
4	$1,712,870	$886,750	$-107,769
5	$1,918,072	$1,105,153	$-134,712
6	$2,147,857	$1,348,981	$-161,654
7	$2,405,171	$1,621,234	$-188,596
8	$2,693,310	$1,925,266	$-215,539
9	$3,015,969	$2,264,830	$-242,481
10	$3,377,282	$2,644,128	$-269,423

Growth

14.1%

Investing in Redcliffe, QLD

Redcliffe (4020) is located in Queensland with a population of approximately 10,460 residents, growing at 1.5% per year. The suburb has a median house price of $1.09M and median weekly rent of $643, delivering a gross rental yield of 3.1%.

With a vacancy rate of just 1.6% and properties selling in an average of 43 days, Redcliffe shows low demand and moderate supply — factors that support continued price growth. Over the past 5 years, the suburb has delivered annualised capital growth of 12.0%.

Use the calculator above to model the full investment scenario for a property in Redcliffe, including stamp duty, negative gearing benefits, depreciation, and the impact of proposed CGT changes on your after-tax return.