- Capital ROI
- Growth in value since purchase divided by the purchase price, as a percentage over the whole time owned. It is not annualised, so a property held ten years is not comparable with one held two.
- CGT discount
- A 50% reduction to a capital gain when a property is held for more than 12 months before sale. Replaced by cost base indexation from 1 July 2027 for most existing residential investment properties; new residential dwellings keep the discount by default, though the Minister has not yet defined which dwellings qualify.
- Cost base
- The total cost of acquiring and improving a property, used to calculate the capital gain when you sell. Indexed for inflation from 1 July 2027 for most existing residential investment properties.
- Gross yield
- Annual rent divided by the property's price or value, before any costs. BrickTrack uses the contracted weekly rent multiplied by 52, so it is a run-rate rather than rent received.
- LVR
- Loan-to-Value Ratio: the loan balance divided by the property value, expressed as a percentage.
- Negative gearing
- When the costs of owning a property (interest, rates, maintenance) exceed the rental income, producing a loss that may reduce taxable income. From 1 July 2027, losses on a residential property acquired on or after 12 May 2026 are quarantined against future rental income and gains instead.
- Net yield
- Annual rent minus the costs of holding the property, divided by its price or value. Which costs are subtracted varies between tools, so always check whether interest, principal and tax are included.
- Return on Debt
- Cash flow over the last 12 months divided by the current loan balance: how hard borrowed money is working for you. BrickTrack uses recorded transactions for the numerator.
- True Cash
- Rent minus full loan repayments (principal and interest) and operating costs, before tax. An estimate of the cash the property adds to or drains from your account each period; it is not a bank balance.
- True Profit
- Rent minus interest and operating costs, before tax. Principal repayments and capital growth are left out, so it measures what the property earns rather than what leaves your bank account.
- Usable equity
- The equity a lender would let you borrow against: the property value multiplied by a lending threshold (80% is the common no-insurance ceiling) minus the loan balance, floored at zero. BrickTrack scales it to your ownership share.