Can I buy before year four?

The purchase window is years four to eight. Ask your representative about the options in your agreement.

Are these figures a quote?

No. The calculator is a general model using the assumptions listed on this page. Your own figures depend on the property, your circumstances and the agreement you sign. The assessment that produces your actual numbers is free.

PublicSquare | Rent-to-Own & Rent-to-Sell Homes in Australia

Switching to a mortgage

Initial home value$750,000

Weekly rent$649 / weekDeposit contribution$325 / week

Year you switch to a mortgage

Housing price growthHow much appreciation you expect for your selected property6.8% p.a.

Deposit built by then

$118,118 (10%)

Based on $325 a week contributions, every week for 7 years — deducted from the final purchase price at settlement.

Your built deposit 5% of the estimated purchase price

How this is calculated

Purchase price (est., year 7)$1,188,667
Loan required after your deposit$1,070,549

Your weekly deposit contribution is fixed at 50% of Year-1 rent for the entire lease — it never increases. Contributions are deducted from the purchase price at settlement. You can buy in Years 4–8. The estimated purchase price is the higher of the pre-agreed minimum purchase price (initial value compounding at 8% down to 4% p.a. — the rate steps down the longer you stay) or an independent certified valuation at the time you buy, projected here with the housing price growth assumption above. The default 6.8% p.a. is the 25-year national average annual growth for houses — 1993 to 2018, per CoreLogic's 25 Years of Housing Trends report (units averaged 5.9% p.a.). The 5% line is the deposit a typical low-deposit loan would need on the same home. Projected values are illustrative benchmarks only, not a prediction of prices.

General information only — not financial, credit, legal, or tax advice. Results are estimates based on the stated assumptions and your inputs; obtain independent professional advice before making any decision.

How to read the result

The first bar is your built deposit; the benchmark bar is the minimum most lenders look for. Once yours clears it, the question becomes the loan size — the second figure. A larger deposit means a smaller loan, a lower loan-to-value ratio and, above 20%, no lenders mortgage insurance.

What the calculator assumes

The contribution is 50% of the first year's market rent, fixed for the term, credited in full to the purchase.
Market rent is 4.5% of the home value a year for a house.
The purchase price is the higher of the contracted minimum resale price or an independent valuation; the calculator uses the contracted minimum for the chosen year.
The 5% benchmark is a common lender minimum; each lender sets its own.

Frequently asked questions

No. The contributions build the deposit, but the loan itself depends on a lender's assessment of your income and circumstances at the time. Your representative and a broker work with you on that ahead of the purchase window.

Written by

Dean Arnold

Founder & CEO

Licensed real estate agent

I started PublicSquare in 2021 to give homebuyers a real path to ownership without a deposit, and investors a stronger-cashflow alternative to a standard rental. I hold real estate licences in Queensland and New South Wales and personally review every property that enters the program.

Reviewed by

Jarrod Wills

Property Lead

Licensed agent · Former mortgage broker

I was a mortgage broker before joining PublicSquare, so I look at every property and every purchase the way a lender would. I now lead the property side of the program, helping homebuyers from their first info session through to move-in, and working with our buyers agency team on each acquisition for our investors.