LEGAL
General Advice Warning
Last updated: 16 May 2026
⚠ Important — Please Read
PropTime provides general information and educational tools only. Any information provided through the Platform, including suburb scores, cashflow calculations, structure comparisons and mortgage strategy analysis, is general in nature and does not take into account your personal financial situation, investment objectives, tax position or needs.
The information on this Platform should not be relied upon as financial product advice, investment advice, tax advice or legal advice. Before making any financial or investment decision based on information from this Platform, you should consider its appropriateness for your personal situation and obtain independent advice from a licensed financial adviser, registered tax agent or qualified legal professional.
PropTime does not hold an Australian Financial Services Licence (AFSL). We are not authorised to provide financial product advice.
What PropTime Is
PropTime is an educational research and analysis platform for Australian property investors. Our tools help you organise publicly available data, model different scenarios and understand the potential impact of various decisions.
We provide:
— Suburb scoring based on publicly available data factors
— Cashflow modelling based on inputs you provide
— Investment structure comparison based on general tax principles
— Mortgage strategy analysis based on general financial principles
— Educational content about property investment and taxation
What PropTime Is Not
PropTime does not:
— Provide personal financial product advice
— Recommend specific properties to purchase
— Recommend specific investment structures for your situation
— Provide tax advice (including advice on negative gearing, capital gains or depreciation specific to your circumstances)
— Provide legal advice
— Guarantee any particular investment outcome
— Hold an Australian Financial Services Licence (AFSL)
About Our Calculations
The calculations produced by PropTime tools are estimates based on the inputs you provide and general assumptions. They are intended to illustrate possible scenarios and help you ask better questions — not to predict actual outcomes.
Calculations do not account for:
— Your complete personal financial situation
— Individual tax circumstances
— Specific loan terms and conditions
— Property-specific factors not captured in suburb-level data
— Future changes in interest rates, property values or legislation
— GST, land tax, body corporate fees or other property-specific costs
About Budget 2026 Content
Content related to the 2026 Federal Budget represents our interpretation of proposed legislation based on publicly available information at the time of writing. Budget 2026 negative gearing and CGT changes are proposed legislation that has not yet passed Parliament. Final legislation may differ materially from what is described on this Platform.
This content should not be relied upon as legal or tax advice. Consult a registered tax agent for advice specific to your situation.
About Suburb Scores
PropTime suburb scores are produced using a proprietary methodology that analyses publicly available data. A high suburb score does not constitute a recommendation to purchase property in that suburb. Property investment involves significant risk and past performance is not a reliable indicator of future results.
Data used in suburb scoring is sourced from publicly available data and updated periodically. We make no warranty as to the accuracy, completeness or timeliness of this data.
Seek Professional Advice
Before making any property investment decision we strongly recommend you:
1. Consult a licensed financial adviser who can consider your complete personal circumstances
2. Consult a registered tax agent regarding the tax implications of your investment
3. Consult a qualified lawyer regarding ownership structure and asset protection
4. Conduct independent due diligence on any property you are considering purchasing
5. Consider your own financial situation, risk tolerance and investment objectives
You can find a licensed financial adviser at moneysmart.gov.au. You can find a registered tax agent at tpb.gov.au.
Complaints
If you have concerns about any content on the Platform please contact us at hello@proptime.com.au.
As PropTime does not hold an AFSL we are not subject to the Australian Financial Complaints Authority (AFCA). General complaints about our services should be directed to hello@proptime.com.au.