See exactly what a bank loan really costs you — in interest, tax, and lost income — compared to investor-backed funding through FundMyProperty.
With FMP, you could save — over 10 years
That's the difference between what a traditional loan costs you in interest and tax versus FundMyProperty — with potentially no monthly repayments required.
Note: You still pay income tax under FMP. The difference is that your post-tax dollars are no longer being directed to a bank loan — freeing you to redirect that income toward improving your lifestyle, your children’s education, or building wealth in other ways.
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Loan total cost
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FMP total cost
For every $1 you earn, only — actually pays off your loan.
Note: Under FMP you still pay income tax on your earnings. The key difference is that your post-tax dollars are no longer obligated to service a bank loan — giving you the freedom to redirect that income toward your lifestyle, your children’s education, or other wealth-building goals.
Shared Inputs
Property & Funding Details
$
$200k$5M
Current estimated market value of the property.
$
$100k$2.5M
Maximum funding capped at 80% LVR ($). Funding amount has been adjusted.
Amount needed — used as loan amount for the bank, and funding amount for FMP. Maximum 80% of property value (LVR).
Traditional Loan
Bank Loan Details
%
2%12%
yrs
10 yrs30 yrs
$
$0$500k
Money held in an offset account reduces the balance on which interest is charged — more of each repayment goes to principal. Default is $0.
With this offset:Interest saved (10 yrs): -Extra principal (10 yrs): -Month 1: -
Marginal Tax Rate (auto-calculated)
34.5% — $45k–$135k
Based on income required to service this loan
34.5%
The calculator works out the annual pre-tax income needed to make your repayments, then applies the 2024–25 Australian marginal rate (incl. 2% Medicare levy) for that income level automatically.
FundMyProperty
FMP Funding Structure
FMP Fee Structure
Brix Discount
Investors acquire the Brix sold at a 10% discount — applied only to the fraction of the property being funded, not the full property value.
10%
MyBrix Platform Fee
One-time platform fee on the funding amount. No ongoing charges, no compounding interest.
5%
Key FMP Difference
With FMP, there are no mandatory monthly repayments. You retain full legal title to your property. Investors acquire fractional economic interests linked to its value at a 10% discount. The 5% platform fee is agreed upfront — no compounding interest, no bank approval, no impact on your credit file.
10-Year Cost Comparison
Traditional Bank Loan
Total Pre-Tax Income Required
—
to fund all repayments over 10 yrs
Total Interest Paid to Bank
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gone — builds no equity
Income Tax Lost (ATO)
—
extra tax to earn repayment income
Monthly Repayment
—
mandatory every month
Loan Balance Remaining (Yr 10)
—
still owed to the bank
Total True Cost (Interest + Tax)
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interest paid + tax lost to earn it
With Offset Account
Interest saved (10 yrs)—
Extra principal paid (10 yrs)—
Month 1 split (no offset)—
Month 1 split (with offset)—
Loan balance at yr 10 (with offset)—
Pre-tax cost to fund offset (at 39% marginal rate)—
FundMyProperty
No income tax impact
Total FMP Cost
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Brix discount + platform fee — agreed upfront
Brix Discount (10% of Brix sold)
—
investor return mechanism — not a cash payment
MyBrix Platform Fee (5% of funding)
—
one-time fee — no compounding, no ongoing charges
$0
Interest Paid
$0
no bank, no interest charges
No obligation
Monthly Repayment
$0
no mandatory monthly payments
Winner
Total FMP Fees
—
Brix discount + platform fee — no interest, no tax drag
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Visual Breakdown
Where Your Money Goes — Loan vs FMP
Cumulative Cost Over 10 Years
How FundMyProperty Works
🏠
You Keep Legal Title
You remain the legal owner of your property throughout the funding period. Investors acquire fractional economic interests — not ownership rights.
💸
No Monthly Repayments
Unlike a bank loan, there are no mandatory monthly repayments. Your cash flow stays yours. Payment terms are agreed upfront based on the structure you select.
📋
No Bank Approval Required
FMP funding is investor-backed, not bank-issued. There is no credit file impact at assessment stage, and no traditional loan approval process.
See if your property qualifies
Get your free property assessment in minutes — no obligation, no credit check.
The average Australian dwelling is now worth around $1.11 million, while the average new owner-occupier mortgage is approximately $735,000.
Measure
Latest Figure
Source / Notes
Average Australian home price
$1,111,100
ABS mean price of residential dwellings, March quarter 2026. Total residential dwelling stock: $12.77 trillion across 11.50 million dwellings.
Average owner-occupier mortgage size
$735,000
ABS average loan size for owner-occupier dwellings, March quarter 2026.
Average investor mortgage size
$709,000
ABS average loan size for investor dwellings, March quarter 2026.
Key Considerations — FMP Funding Structure
1
Fractional financial interests — not 100% of future capital gains. In exchange for $0 monthly repayments, the property owner sells fractional financial interests in the property to investors. This means that when the property is sold or the funding term ends, the owner does not receive 100% of the capital gain — investors participate in the growth of the property value proportional to their fractional interest.
2
Owner can repurchase at any time. The property owner retains the right to repurchase the fractional interests from investors at any point during the funding term. This gives the owner full flexibility to exit the structure early — for example, if they sell the property, refinance, or choose to restore full economic ownership. Early repurchase is subject to applicable fees and charges as set out in the funding agreement and relevant disclosure documents.
Important: This calculator is provided for illustrative and educational purposes only. It does not constitute financial advice. Loan calculations assume a standard principal-and-interest repayment schedule. Tax calculations use 2024–25 Australian marginal tax rates including the 2% Medicare levy and do not account for deductions, offsets, or other income. FMP fee figures are indicative only; actual fees depend on the funding structure selected, property valuation, and investor demand. Funding through FundMyProperty remains subject to assessment, approval, and investor availability. FundMyProperty (MyBrix Pty Ltd) operates under as an Australian Financial Services Licence (AFSL) as a Corporate Authorised Representative (CAR 1304961). This material has been prepared without taking into account your personal financial situation or objectives.