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Stackhold · Australia
Built for Aussie investors, with APRA rules inside.
LVR 70% for investment, 80% for owner-occupied. DTI capped at 6×. Stress-tested with a 3% serviceability buffer. Rent in weekly. Negative gearing modelled.
stack-hold.app
Dashboard
Equity, headroom, next move
Net equity
$1,423,400
+$12,400 this year
LVR
58%
DTI
5.1×
Service
12%
+$12.4k projected
this year's equity
Your lending rules, built in
Australia serviceability, properly modelled.
APRA investor 70% LVR, 6× DTI, 3% stress-test buffer.
- APRA investor LVR cap at 70% (80% for owner-occupied) — editable per property
- DTI cap at 6× — tuned to typical major-bank serviceability policy
- 3% stress-test buffer above the contract rate, defaulting to 8.5%
- Negative gearing tax benefits modelled at your marginal rate
- Strata, council rates, land tax and insurance per property
- Rent entered weekly (52 weeks/year) — the Aussie standard
Defaults in Stackhold · Australia
- Owner-occupied LVR
- 80%
- Investor LVR
- 70%
- DTI cap
- 6×
- Stress-test
- 8.5%
- Rent period
- weekly
- Currency
- A$
Every value is user-editable — defaults reflect typical lender policy.
Speaks your language
Native terminology, not translated.
Stackhold uses the terms you actually use — no US-tool-in-translation friction.
LVRDTINegative gearingStamp dutyStrata
- Negative gearing → loss on rental offset against PAYG / other income.
- Interest-only (IO) vs P&I per property, with proper amortisation for P&I.
- Strata → per-property annual body-corp / strata levy.
- Stamp duty / land tax → model state-specific costs per property.
- CGT discount → 50% for 12+ months held — available in the exit model.
- Rent in weekly; the dashboard converts automatically to monthly if you want.
"Finally a tool that speaks NZ. LVR, DTI and the stress-test buffer are baked in — I stopped rebuilding spreadsheets every time the OCR moved."
Aroha T.
4-property investor · Auckland
Quick check · No sign-up
How much can you actually borrow?
Three fields. Five seconds. A real answer — using your market's DTI and LVR rules. Then you'll see what Stackhold unlocks when you plug in the full picture.
- NZ, AU, US rules baked in
- Stress-tested serviceability
- No tracking, no email required
Built for Australia investors.
Free forever. Pro when you want the 10-year forecast and AI.
No credit card · Cancel anytime · Your data stays in your private cloud account