Select a calculator to generate a client proposal.
Calculate added property value and financing options for a kitchen upgrade.
Launch CalculatorModel the value uplift and loan options for a bathroom renovation or addition.
Launch CalculatorFind the right lender match and calculate borrowing power for your client.
Launch CalculatorMont Clair Capital Partner Portal · Contact Gaspard
01 — Your Property
Your current market value anchors every calculation in the model. Please complete all fields before continuing.
Please enter a valid property value (minimum $50,000).
Property type
Is this your home or an investment?
02 — Location
Growth rates from Cotality HVI April 2026. Location modifiers combine market growth, renovation activity intensity (ABS 8752.0), and trend momentum.
Sydney
+4.8% annual
Melbourne
+3.4% annual
Brisbane
+19.0% annual
Adelaide
+11.4% annual
Perth
+24.3% annual
Hobart
+2.1% annual
Canberra
+2.8% annual
Darwin
+1.5% annual
Regional NSW
+3.1% annual
Regional VIC
+1.8% annual
Regional QLD
+8.2% annual
Other Regional
+2.0% avg
Please select your market to continue.
03 — Budget & Scope
Include all costs — cabinetry, benchtops, appliances, labour, plumbing, electrical. ABS PPI: building output prices up +36.8% since 2021.
Please enter a valid budget (minimum $3,000).
What does your renovation cover?
Please select a renovation scope to continue.
04 — Current Kitchen
The bigger the gap between old and new, the more value a renovation can capture.
Please select the current condition to continue.
05 — Selling Intent
Timing and intent significantly affect realised value. Presale renovations capture the full buyer premium at point of sale.
What's your primary reason for renovating?
Is the kitchen the centrepiece of the renovation?
Please answer both questions to continue.
06 — Finish & Style
Quality and style cohesion both affect how much a buyer will pay.
Cabinetry, benchtop & appliance tier
How cohesive is the renovation with the rest of the home?
Please answer both questions to continue.
Kitchen Renovation Value Estimate
$0
Likely scenario
Conservative
—
Most Likely
—
Optimistic
—
New Est. Value
—
Likely Profit
—
ROI on Spend
—
Value Uplift %
—
Methodology inputs
Enter your details and Gaspard will call within one business day to discuss equity release or construction finance.
We structure equity release and construction loans so the project pays for itself.
01 — Your Property
Your current market value anchors every calculation. Please complete all fields before continuing.
Please enter a valid property value (minimum $50,000).
Property type
Is this your home or an investment?
02 — Location
Location modifiers from Cotality HVI April 2026 combine market growth, renovation activity (ABS 8752.0), and trend momentum.
Sydney
+4.8% annual
Melbourne
+3.4% annual
Brisbane
+19.0% annual
Adelaide
+11.4% annual
Perth
+24.3% annual
Hobart
+2.1% annual
Canberra
+2.8% annual
Darwin
+1.5% annual
Regional NSW
+3.1% annual
Regional VIC
+1.8% annual
Regional QLD
+8.2% annual
Other Regional
+2.0% avg
Please select your market to continue.
03 — Bathroom Type
The type and count of bathrooms is the single biggest driver of value-add potential.
What are you doing?
Which bathroom?
Please answer all questions to continue.
04 — Budget & Scope
Include all costs — tiling, vanity, toilet, shower/bath, tapware, waterproofing, plumbing, electrical, demolition. ABS PPI: building output prices up +36.8% since 2021. National average full gut: $26,747 (2026).
Please enter a valid budget (minimum $3,000).
What does the renovation cover?
Please select a scope to continue.
05 — Current Bathroom
The bigger the gap between old and new, the more value a renovation can capture. Waterproofing failure is a red flag that can suppress price.
Please select the current condition to continue.
06 — Selling Intent
Timing and intent significantly affect realised value.
Primary reason for renovating?
Is the bathroom the centrepiece of the renovation?
Please answer both questions to continue.
07 — Finish & Style
Note: engineered stone benchtops are banned in Australia (July 2024) — porcelain and natural stone are the 2026 standard.
Fixtures, tiling & vanity tier
How cohesive is the renovation?
Please answer both questions to continue.
Bathroom Renovation Value Estimate
$0
Likely scenario
Conservative
—
Most Likely
—
Optimistic
—
New Est. Value
—
Likely Profit
—
ROI on Spend
—
Value Uplift %
—
Methodology inputs
Enter your details and Gaspard will call within one business day to discuss equity release or construction finance.
We structure equity release and construction loans so the project pays for itself.
Enter your details below to estimate your borrowing power and see which lenders from our 50+ panel are most likely to approve your application.
Loan for
Are you the structural borrower?
Loan type
Do you pay rent?
Dependants
Leave blank to use HEM benchmark
Assessed at 3.8% of limit monthly
Existing loan repayments are added to your monthly commitments in the serviceability assessment.
Serviceability Results
Maximum Borrowing Capacity
Enter income details
Net Monthly Income
—
Monthly Commitments
—
HEM Benchmark
—
Surplus After Costs
—
Assessment Rate
—
Monthly Repayment
—
↓ How is maximum loan calculated?
Matched Lenders (by borrowing capacity)
Enter income and expenses to see matched lenders.
Results are estimates only based on the inputs provided. Actual borrowing capacity varies by lender credit policy, application specifics, and current rates. This is not a credit approval or credit advice to the end client. For credit advice, book a consultation with Gaspard directly.
Enter your details and Gaspard will run your exact numbers across 50+ lenders and call within one business day.
Book a free, no-obligation consultation and we'll run your exact numbers across our full lender panel and find the right fit for you.