Personas · Australian property

Different buyers, different reads.

Property research is identical software but very different decisions for a first home buyer using HGS, an investor running a 10-year cashflow model, a downsizer optimising main-residence CGT, or a buyer's-agent client. Each persona below maps to the calculators, guides, and primary sources most relevant to that decision.

• First home buyer using the Home Guarantee Scheme

  First-time buyer with a deposit between 5% and 20% planning to use the Home Guarantee Scheme to skip Lenders Mortgage Insurance.

  Open persona

• First investment property buyer

  Salaried earner buying their first investment property, wanting to understand negative gearing, yield, and 10-year hold maths before committing.

  Open persona

• Downsizer (60+)

  Owner-occupier 60+ planning to sell the family home and buy something smaller. Needs CGT, downsizer-contribution, and main-residence exemption modelled.

  Open persona

• Buyer's agent client

  Buyer engaging a REBAA-member buyer's agent who uses propautopilot Pro to brief, shortlist, valuate, and negotiate on the client's behalf.

  Open persona

• SMSF property investor

  Self-managed super fund member investing fund balance into direct property. Needs to navigate sole-purpose test, LRBA structuring, and compliance overhead.

  Open persona

• Multi-property portfolio investor

  Existing investor with 2+ properties looking to add the next, refinance for equity, or restructure for tax efficiency.

  Open persona

• Regional + lifestyle-migration buyer

  Buyer trading metro for regional. Yield-led investor or lifestyle-migrator targeting Newcastle / Wollongong / Geelong / Bunbury / Cairns / Hobart inner ring.

  Open persona

• Interstate investor

  Buyer in one state purchasing in another. Typically Sydney/Melbourne investor buying Brisbane/Adelaide/Perth for yield and diversification.

  Open persona

• Off-the-plan buyer

  Buyer purchasing a new-build apartment / townhouse before completion. Needs to navigate stamp duty concessions, sunset clauses, and completion risk.

  Open persona

• Existing borrower refinancing

  Owner-occupier or investor with 2+ years on existing loan. Wants to refinance to a better rate, extract equity, or restructure debt.

  Open persona

• Divorce or relationship-settlement buyer

  Person buying out a partner's share, or buying a new home post-separation. Needs CGT exemption rules, family-law transfer-duty exemptions, and capacity reset.

  Open persona

• Australian expat returning home

  Australian citizen returning after 5+ years abroad. Needs to navigate FIRB-not-required status, main residence rules, foreign income tax position, and lender quirks for offshore-income borrowers.

  Open persona

• Deceased estate inheritor

  Inherited a property from a deceased relative. Needs to understand CGT cost-base step-up rules, 2-year disposal window, and retain-vs-sell trade-off.

  Open persona

• Owner-occupier upgrader (second home)

  Existing owner-occupier upgrading to a larger / better-located home. Needs sequencing decision (sell first vs buy first), bridging finance, capacity stretch on a single PPOR loan.

  Open persona