Investment snapshot

Victoria Point, QLD 4165

Property investment analysis for Victoria Point, Queensland

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

Victoria Point investment property metrics

Median Price

$1.26M

House

Median Rent

$718/wk

Gross Yield

2.9%

Vacancy Rate

1.3%

Days on Market

Population

15,140

+1.7%/yr

Capital Growth

1 Year

14.8%

3 Year (annualised)

10.7%

5 Year (annualised)

11.7%

HTAG RCS Scores

Growth 7/10 — Good

Cashflow 8/10 — Strong

Overall 8/10 — Strong

Market Context

Demand

Moderate

Supply

Moderate

Days on Market

28 days

Population Trend

+1.7%/yr

15,140 residents

Run the numbers for Victoria Point

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

Property Details

StatePurchase Price

Deposit

20%

$252,761 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

$607/wk

$2,628/mo · $31,540/yr

Negatively geared — tax benefit of $15,320/yr reduces your out-of-pocket

PAYG Withholding Variation

Apply to the ATO to get $589 extra per fortnight in your pay, instead of waiting for your tax refund.

Acquisition Summary

Stamp Duty (QLD)$53,194LMI PremiumN/ALoan Amount$1,011,043Total Upfront Cash$308,355

Cash Flow Analysis

Gross Rental Yield3.0%Net Rental Yield2.2%Annual Rental Income$35,900Total Annual Expenses-$8,452Annual Loan Repayment (P&I)-$74,308Pre-Tax Cash Flow$-46,859Tax Benefit (neg. gearing)+$15,320After-Tax Cash Flow$-31,540/yr

Depreciation claimed: $12,638/yr (Building: $12,638 + 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$3,807,641Capital Gain$2,614,623CGT Payable (50% discount)-$937,750Net Proceeds (after CGT & costs)$2,793,738

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%)$282,408 gain → $56,892 taxPost-Jul 2027 (89.2%)$2,332,215 gain → $880,858 tax

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

Total Cash Flows (10 yrs)$-315,397Cash-on-Cash Return-12.4%Estimated IRR14.2%

Year-by-Year Summary

Year	Value	Equity	Total Cash Flow
1	$1,411,164	$412,080	$-31,540
2	$1,575,705	$589,344	$-63,079
3	$1,759,432	$786,605	$-94,619
4	$1,964,582	$1,006,152	$-126,159
5	$2,193,653	$1,250,537	$-157,698
6	$2,449,432	$1,522,610	$-189,238
7	$2,735,036	$1,825,546	$-220,778
8	$3,053,942	$2,162,888	$-252,317
9	$3,410,031	$2,538,592	$-283,857
10	$3,807,641	$2,957,066	$-315,397

Growth

14.1%

Investing in Victoria Point, QLD

Victoria Point (4165) is located in Queensland with a population of approximately 15,140 residents, growing at 1.7% per year. The suburb has a median house price of $1.26M and median weekly rent of $718, delivering a gross rental yield of 2.9%.

With a vacancy rate of just 1.3% and properties selling in an average of 28 days, Victoria Point shows moderate demand and moderate supply — factors that support continued price growth. Over the past 5 years, the suburb has delivered annualised capital growth of 11.7%.

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