Investment readiness

PIC: Property Investment Check

Investment Readiness Assessment

Check your purchase funds and monthly repayment headroom for a target property in Fiji.
Planning estimates, not a loan approval.

View your purchase plan ↓

Progress

0% financial inputs entered

01Investment Assessment

What are your investment goals? (Select all that apply)

Capital Growth Rental Income Holiday Home Portfolio Diversification

02Budget & Financial Information

Budget Range (FJD)

Minimum Budget

Target Purchase Price / Maximum Budget

Available Deposit

Total Available Cash (FJD)

Deposit Percentage Purchase cash after costs and reserve ÷ target price

Financial Information

Annual Take-home Income (FJD)

Monthly Living Costs After Purchase (FJD)

03Costs and Reserves

Include all ongoing costs after purchase in living costs. Do not include current rent if it will end; include any rent or mortgage that continues. Enter 0 explicitly where applicable.

Acquisition Costs (FJD)Legal, valuation, tax and other upfront costs. Enter your estimate.

Cash to Keep in Reserve (FJD)This cash stays outside your deposit. Enter 0 if none.

Existing Debt Payments (FJD / month)Exclude these from living costs to avoid counting twice.

Monthly Savings / Safety Buffer (FJD)Kept aside before calculating new mortgage capacity.

04Financing & Preferences

Financing Status

Pre-approved for finance Need to apply for approval Cash buyer

Risk Tolerance

Low Risk Medium Risk High Risk

Medium Risk

Preferred Property Type

Investment Time Horizon (years)

Loan Configuration

💡 Tip: These are planning assumptions, not lender rules. Adjust them to your quoted terms.

Interest Rate (%) Illustrative assumption. Use your lender’s quoted rate.

Loan Term (years) Longer terms = lower payments

Share of Remaining Income for Mortgage (%) Applied after living costs, debt and your monthly buffer.

Deposit Option

Deposit rule not yet known Assume a minimum deposit percentage

Percentage of property value required

Deposit rules vary by lender and property type. Confirm current requirements before making an offer.

Land Type Tenure is context only; lender and lease conditions must be checked.

Loan Limits (FJD)

Minimum loan

Maximum loan

💡 Adjust based on lender policies or market conditions

Your Purchase Plan

Add your information

1. Purchase funds

2. Repayment headroom

3. Information completeness

Affordability Analysis

Modelled Loan Limit:

FJD 0

Cash-constrained Budget:

FJD 0

Target Debt / Net Income:

💡 What this means:

Enter your income and expenses to see your borrowing capacity

Property Research Ideas

Complete the assessment to see recommendations

Next Steps

Complete the assessment to see action items

PDF and Share Results include your entered financial figures. Review the summary before sharing.

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Important Disclaimer

⚠️ Estimates and Projections: All calculations and research suggestions provided by PIC are estimates based on the configured values and assumptions. These are for informational purposes only and should not be considered as financial advice.

🏦 Actual Loan Terms: Real loan amounts, interest rates, and terms may vary significantly based on your credit history, bank policies, current market conditions, and individual circumstances.

💡 Professional Advice: Always consult with qualified financial advisors, mortgage brokers, and property professionals before making any investment decisions. Use your own judgment and seek independent advice.

📋 No Liability: We accept no responsibility or liability for any financial decisions made based on this tool's output. Property investment carries risks and you should carefully consider your financial situation.

Created by CRESPIRE