Swap vs Stay — Compare

Stay scenario — current home Tweak the assumptions; the table recalculates live

Current value ($)

Montmorency 3094

Current mortgage ($)

Current loan term left (yrs)

Montmorency growth (10y) (%)

Default — refresh from DB if available

Current repayment: — / mo · — / fn (P&I at the rate below)

Swap assumptions

Interest rate (%)

New loan term (yrs)

Sell cost (%)

Agent fee on sale of current home

Default growth fallback (%)

Used when DB has no growth rate for the suburb

Growth window (CAGR)

Picks which suburb CAGR to apply at all horizons

Bridging period (months)

Settlement gap before old home sells

Bridging rate (%)

Usually ~1% above home-loan rate

Apply VIC stamp duty + 1% legal/conveyancing on new purchase

Owner-occupier (PPR concessional rates)

Swap vs Stay — shortlisted houses

Address	Suburb	Price	Growth	New mortgage	Monthly	Fortnightly	Δ 10y	Δ 15y	Δ 20y	Swap eq 20y	Stay eq 20y

Notes. "Equity" = future home value − remaining loan balance at year N, assuming a standard P&I amortization at the interest rate above. Suburb growth applies to the home value only (not transaction costs). Swap baseline is your current home today; stay baseline appreciates at Montmorency's growth rate. Bridging cost is capitalised into the new loan principal: net-from-sale × bridging-rate × months / 12. Hover the "New mortgage" cell to see the stamp duty / legal / bridging breakdown. PPR concession only materially differs from general rates below $440k. Numbers are indicative — they ignore rent, tax, repairs, LMI, and ongoing cash-flow.