Investment snapshot

Springfield Lakes, QLD 4300

Property investment analysis for Springfield Lakes, Queensland

General information only — not personal financial, tax, or investment advice. Results are estimates based on published tax rates and market data. Terms · Privacy

Springfield Lakes investment property metrics

Median Price

$1.11M

House

Median Rent

$595/wk

Gross Yield

2.8%

Vacancy Rate

2.0%

Days on Market

Population

17,211

+3.5%/yr

Capital Growth

1 Year

16.4%

3 Year (annualised)

14.0%

5 Year (annualised)

15.2%

HTAG RCS Scores

Growth 9/10 — Strong

Cashflow 9/10 — Strong

Overall 9/10 — Strong

Market Context

Demand

Low

Supply

Moderate

Days on Market

27 days

Population Trend

+3.5%/yr

17,211 residents

Run the numbers for Springfield Lakes

Pre-filled with Springfield Lakes median values. Adjust to match your scenario.

Property Details

StatePurchase Price

Deposit

20%

$221,784 deposit · LVR 80%

Weekly Rent

Your Gross Income (salary)

Interest Rate (p.a.)

Loan Type

P&IInterest Only

Property Type

EstablishedNew Build

Ownership Structure

IndividualDiscretionary Trust

Growth & Hold

Annual Capital Growth

Hold Period

years

Your weekly contribution after tax

$562/wk

$2,434/mo · $29,213/yr

Negatively geared — tax benefit of $14,166/yr reduces your out-of-pocket

PAYG Withholding Variation

Apply to the ATO to get $545 extra per fortnight in your pay, instead of waiting for your tax refund.

Acquisition Summary

Stamp Duty (QLD)$44,288LMI PremiumN/ALoan Amount$887,135Total Upfront Cash$268,472

Cash Flow Analysis

Gross Rental Yield2.8%Net Rental Yield2.0%Annual Rental Income$29,750Total Annual Expenses-$7,929Annual Loan Repayment (P&I)-$65,201Pre-Tax Cash Flow$-43,380Tax Benefit (neg. gearing)+$14,166After-Tax Cash Flow$-29,213/yr

Depreciation claimed: $11,089/yr (Building: $11,089 + Fixtures: $0)

Fixture depreciation (carpet, blinds, appliances) cannot be claimed on established properties purchased after 2017 — only building depreciation applies. A quantity surveyor report will give exact figures. Building cost estimated at 40% of purchase price.

Capital Growth Projection (10 yrs)

Future Value$4,580,705Capital Gain$3,535,988CGT Payable (50% discount)-$1,350,109Net Proceeds (after CGT & costs)$3,138,982

Transitional CGT Split Applied

Your holding period spans 1 Jul 2027. The capital gain is split proportionally between old and new rules:

Pre-Jul 2027 (10.8%)$381,925 gain → $79,283 taxPost-Jul 2027 (89.2%)$3,154,063 gain → $1,270,826 tax

Pre-portion: 50% discount at marginal rate. Post-portion: CPI-indexed cost base, 30% minimum tax floor.

Total Cash Flows (10 yrs)$-292,134Cash-on-Cash Return-13.0%Estimated IRR19.0%

Year-by-Year Summary

Year	Value	Equity	Total Cash Flow
1	$1,277,918	$401,277	$-29,213
2	$1,472,673	$607,195	$-58,427
3	$1,697,108	$843,505	$-87,640
4	$1,955,748	$1,114,777	$-116,854
5	$2,253,804	$1,426,272	$-146,067
6	$2,597,283	$1,784,047	$-175,281
7	$2,993,109	$2,195,081	$-204,494
8	$3,449,259	$2,667,409	$-233,707
9	$3,974,926	$3,210,286	$-262,921
10	$4,580,705	$3,834,372	$-292,134

Growth

17.5%

Investing in Springfield Lakes, QLD

Springfield Lakes (4300) is located in Queensland with a population of approximately 17,211 residents, growing at 3.5% per year. The suburb has a median house price of $1.11M and median weekly rent of $595, delivering a gross rental yield of 2.8%.

With a vacancy rate of just 2.0% and properties selling in an average of 27 days, Springfield Lakes shows low demand and moderate supply — factors that support continued price growth. Over the past 5 years, the suburb has delivered annualised capital growth of 15.2%.

Use the calculator above to model the full investment scenario for a property in Springfield Lakes, including stamp duty, negative gearing benefits, depreciation, and the impact of proposed CGT changes on your after-tax return.