What if the valuation is higher than the floor?

Then the valuation is the price. The floor protects the downside; the upside is not capped.

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

Minimum resale price

Initial home value$780,000

Year the tenant buys

The option window is years 4–8 — most tenants buy in years 7 or 8.

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

Your guaranteed minimum, whatever the market does

$1,045,275

A $265,275 minimum uplift on your $780,000 purchase at year 7 (5% p.a. floor), written into the contract. The tenant pays the higher of this or an independent valuation — at 6.8% growth, that valuation would be $1,236,213.

Projected market value Contractual minimum resale price

How the floor works

Every contract includes a contractually defined minimum resale price, determined by a CAGR floor rate — the lowest price you can receive for the property regardless of market conditions. The floor is intentionally higher in the earlier years of the lease to protect you if the tenant exercises early; in later years it moderates, but by then the property will typically have appreciated beyond it. The floor is a safety net, not a ceiling: at sale, a licensed valuer conducts an independent valuation, and the tenant pays whichever is higher. These rates apply to houses. Apartments and townhouses typically grow more slowly, so PublicSquare may set lower minimum growth rates in the contract for those properties, with the agreement of all parties. The tenant's accumulated deposit contributions — cash you've already received weekly — are deducted from the final sale price at settlement. The tenant holds an option, not an obligation — they are never required to buy. And there are no circumstances in which you are obligated to repay their accumulated deposit contributions if they don't purchase and no sale takes place: you retain full title, and under the contract those contributions convert to an exit fee payable to you. For scenarios and risk mitigation, please review the guides and FAQs in our app for further information about how we protect you. Projected market values use the growth assumption above and are illustrative only.

General information only — not financial, 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

Where the market line sits above the floor, the valuation sets your price and the floor is not needed. Where the market line dips below it, the floor holds. Year seven is the expected purchase year, so start there. The floor rate is highest for an early sale, which is why the year-four figure is not the lowest.

What the calculator assumes

Minimum resale price = initial home value × (1 + floor rate) ^ (year − 1), with floor rates of 8%, 7%, 6%, 5% and 4% for years four to eight.
Projected market value grows at 6.8% a year by default — the long-run CoreLogic median for houses across the eight capitals — editable.
The tenant can buy between years four and eight; year seven is the expected purchase year.
Selling costs and the credit of the tenant's contributions at settlement are not shown here; see the leasing comparison for the full picture.

Frequently asked questions

It is a term of the agreement: the sale to the tenant cannot complete below it. It is not a guarantee that the tenant will buy, or a promise of profit.

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.