NEXTPURCHASE

Property and mortgage planning for your next move. Used by brokers, property advisers, and clients across Australia.

NextPurchase

Uncertainty about how much people can afford for their next purchase or refinance — given income, existing debt, equity, and cashflow. Planning was fragmented across spreadsheets and guesswork, and brokers needed a shared, repeatable way to show clients "what's possible" (max purchase price, LVR, cashflow impact) without manual calculations. Users wanted to compare scenarios — sell this property? refinance? 80% vs 90% LVR? — without rebuilding the whole model each time.

What it does

Built a guided, scenario-based planning and calculation engine that:

  • Captures properties, debts, cross-secured debt, and step-by-step answers (income, surplus, purchase type, LVR, stamp duty state, FHOG, etc.) per scenario
  • Runs a centralised pipeline using Australian rules — stamp duty by state, FHOG, LMI tiers
  • Produces four outcome dimensions: Cashflow, Available Funds, Purchase LVR, and Portfolio LVR — with an ideal purchase price (the highest price that meets all four goals)
  • Supports partner branding, seat-based subscriptions (Stripe), and broker-granted client access so clients see "My Results" without a direct subscription

Results

  • Dashboard chart of the four outcomes with an "Ideal Price" reference line — see at a glance how close you are to your target
  • Full breakdown for your suggested purchase price: cashflow surplus, available funds, purchase LVR, portfolio LVR — all with itemised detail
  • Goal pass/fail per constraint (e.g. green/red) so users see immediately which limits are met
  • Edit key inputs from the dashboard — change price, LVR, cashflow goals, stamp duty — and see updated results
  • Access gated by subscription or partner (broker/adviser) so clients get full results when their adviser opens "My Results" for them
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