PropTime
✦ Australia's complete property investment platform

Research suburbs.
Run the numbers.
Own your strategy.

PropTime combines suburb intelligence with financial calculators and mortgage strategy tools. Research any suburb for free. Unlock the full platform with Pro.

Analyse a suburb →Try the Freedom Calculator⚖️Compare structures →
15,000+ suburbs scored · 20+ data signals · Free to start
New · Budget 20262026 Federal Budget — What it means for property investors

The 2026 Budget changes
everything for investors

Negative gearing preserved. CGT discount unchanged for established properties. New builds now carry a significant CGT advantage. First home buyers face less competition. PropTime has built a dedicated impact centre to help you understand exactly how the budget affects your strategy.

Quick check is free — no account needed
Negative gearing
Preserved for all existing investors
CGT discount
50% discount maintained as expected
New builds
Enhanced CGT treatment from 1 Jul 2027
FHB competition
Reduced investor competition in entry markets
WHAT PROPTIME DOES

Everything an investor needs. One platform.

Suburb research, cashflow modelling, structure comparison, mortgage strategy and portfolio tracking — built specifically for Australian investors.

01

Research any suburb

Score 15,000+ Australian suburbs across 20+ data signals. Vacancy rate, days on market, rental growth, infrastructure pipeline, and more — all in one score.

  • Paste any REA or Domain listing for instant score
  • Compare suburbs side by side
  • Track your watchlist as scores change
Explore suburb scores →
$02

Run your numbers

Australian-specific cashflow calculator with real stamp duty, LMI, and depreciation. Portfolio tracker with stress tests. Know exactly what a property will cost you before you commit.

  • State-specific stamp duty for all 8 states
  • LMI calculator for sub-20% deposits
  • 5 automatic stress test scenarios
Try the calculators →
03

Optimise your strategy

Debt recycling, offset optimisation, split loan analysis, and the Freedom Calculator — find every path to pay off your mortgage faster. Tools that used to require a financial planner.

  • Freedom Calculator — 8 paths to mortgage freedom
  • Debt recycling modeller with tax benefit calculation
  • Offset account magic — see exactly what it's worth
Explore mortgage strategy →
SUBURB INTELLIGENCE

What does the data say about your suburb?

Try: realestate.com.au · domain.com.au
Live data · updated weekly

This week's top signals

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🔒 MEMBERS ONLY
Buying soon? Unlock the full list for 7 days — $59 one-time.
See plans
PROPTIME SPECIAL

Freedom Calculator

Pick your mortgage-free date. PropTime finds every path to get you there.

$
$100k$2M
ALL TOOLS

Everything you need. All in one place.

Free to use. No credit card required. Upgrade when you're ready.

FREE
Suburb Intelligence
Research suburbs across 20+ data signals
⚖️NEW
Property Structure Calculator
Compare personal name, company, family trust and SMSF side by side using correct Budget 2026 tax rules. See cashflow, CGT and total wealth for each structure.
$FREE BASIC
Cashflow Calculator
Basic weekly cashflow result — full costs with Pro
FREE · 2 PROPERTIES
Portfolio Tracker
Track equity, LVR, and cashflow across all properties
10/MONTH FREE
AI Property Agent
Ask anything about Australian property in plain English
🎯FREE PREVIEW · PRO FULL
Freedom Calculator
Path 1 preview free — all 8 paths with Pro
PRO
Debt Recycling Engine
Turn non-deductible debt into tax deductions legally
FREE BASIC
Offset Account Magic
Headline saving free — full breakdown with Pro
FREE BASIC
Extra Repayments
Headline result free — full optimisation with Pro
PRO
Mortgage vs Invest
Should you pay off your mortgage or invest instead?
PRO
Split Loan Optimiser
Find the right fixed/variable split given RBA movements
PRO
Rentvesting Calculator
Model the rent-where-you-live invest-where-it-works strategy
FREE
Strategy Selector
Re-rank all 15,000+ suburbs by growth, cashflow, or balanced
PropTime provides educational tools and general information only — not financial product advice. General Advice Warning · Our Methodology
VERIFIABLE, NOT VIBES

Built on real market data, validated against 9 million real sales

No paid placements, no sponsored suburbs, no invented reviews. Every number below comes from our live pipeline and can be checked against the product.

15,341
Suburbs scored
Every suburb in Australia, scored weekly
4,463
Suburbs ranked
Meet our data-confidence bar for ranking
950
Hidden Gems
Identified this week — Pro members only
9.1M
Sales records
NSW, 1990–2026
Vacancy, rental and supply signals tested against 9.1M property sales
Rental demand checked against bond records and supply movement
Scores re-computed every Thursday from official market records
Our weekly top signals are timestamped in the database as they're published — a public Prediction Ledger of past calls and outcomes is being built on this record. Read the methodology →
PropTime provides general information only — not financial advice. General Advice Warning
PREDICTION LEDGER

We publish our calls with a timestamp

Track record building since June 2026. These are real suburbs we flagged on a specific date — see the exact Growth Score then and how it's moved since. This is the past; the current ranked shortlist is for members.

Loading published calls…
Unlock the current ranked list →
PRICING

Simple, transparent pricing

Start free. Upgrade when you're ready. No lock-in.

FREE
$0
forever

For investors just getting started

  • 15 suburb lookups on signup, then 5/month
  • Basic cashflow calculator
  • Freedom Calculator — Path 1
  • Portfolio tracker — 2 properties
  • AI agent — 10 questions/month
  • Watchlist — 3 suburbs
  • Market Pulse
  • Budget 2026 Impact Checker
  • The live ranked list (weekly)
  • Hidden Gems index
  • Suburb comparison
  • Weekly score alerts
  • Full cashflow suite
  • Unlimited AI agent (500/mo)
Free forever — no credit card needed
BUYER'S PASS
$59
one-time payment
7 days of full Pro access

Perfect for active buyers doing due diligence on a purchase

  • Full live ranking — all ranked suburbs
  • Unlimited suburb lookups
  • Hidden Gems index
  • Suburb comparison
  • Full cashflow suite
  • All Freedom Calculator paths
  • AI agent — 500 questions
One-time payment · no subscription
Most popular
PRO
$79/mo
Cancel anytime
EVERYTHING IN FREE PLUS:
  • Full live ranking — updated weekly
  • Unlimited suburb lookups
  • Hidden Gems index
  • Suburb comparison tool
  • Weekly score alerts
  • Full cashflow suite + stress tests
  • Freedom Calculator — all 8 paths
  • Mortgage strategy suite
  • Portfolio tracker — unlimited
  • Watchlist — unlimited
  • AI agent — 500 questions/month
$79/month · cancel anytime
PARTNER
From $299
/month
Pricing based on team size and usage

For mortgage brokers, buyer's agents, and property professionals

  • Everything in Pro
  • Branded portal for your clients
  • Concierge onboarding — set up with you
  • Priority support
  • Built for brokers, buyer's agents, agencies and developers
Average setup time: 24 hours
No technical knowledge required
Full pricing details & FAQs →
🔒Secure payment
StripePayments
💳Visa · Mastercard · Amex
🇦🇺Australian platform
Cancel anytime
FOR PROFESSIONALS

PropTime for Brokers and Buyer's Agents

Give your clients access to Australia's most comprehensive property research platform — branded as your own tool.

Your clients research suburbs, run cashflow calculations, and model mortgage strategies before they come to you. You spend less time educating and more time helping.

Your branding, your domain, your clients
Client activity visible in your dashboard
$Clients arrive prepared — better conversations
Learn more
YourBrandpowered by PropTime
SUBURB ANALYSIS
Toowoomba
QLD · House
82
VACANCY
0.8%
YIELD
5.9%
GROWTH
+9.2%
Client-branded suburb report
Setup in 24 hours
No technical knowledge required
Cancel anytime
PropTime — Start free today

Stop guessing.
Start investing with confidence.

Join Australian investors researching smarter with PropTime — suburb data, cashflow modelling and mortgage strategy all in one place.

See how it works
Free forever · No credit card · Upgrade to Pro anytime