NZ Commercial
Deal Analyser
Enter your commercial property numbers and get an AI-powered BUY, HOLD or PASS verdict — with cap rate, NOI, WALE, yield analysis, NZ & AU tax treatment, and full risk commentary in seconds.
Four steps to a commercial verdict.
Enter Property Details
Input purchase price, property type, lease type, NLA (sqm), tenant, WALE, and your mortgage structure.
Add Lease & Income
Enter gross annual rent, rent per sqm, lease expiry, rent review type, and any CAM or outgoings recovery.
Input Expenses & Tax
Add your 10 operating expense categories, select NZ or AU tax rules, ownership structure, and depreciation method.
Get AI Verdict
Receive a BUY / HOLD / PASS verdict with cap rate, NOI yield, DSCR, after-tax cashflow, and full NZ/AU commercial market commentary.
🇳🇿 / 🇦🇺 Country Toggle
Switch between NZ and AU tax rules, depreciation methods, and marginal rates. Supports NZD and AUD.
Cap Rate & NOI
Calculates Net Operating Income and capitalisation rate automatically from your inputs — the two metrics every commercial lender checks first.
Lease Types
Net, Gross, and Modified Gross leases modelled correctly — outgoings treatment differs significantly between structures.
WALE Analysis
Weighted Average Lease Expiry calculated from tenant mix. Short WALE flags re-leasing risk in the AI verdict.
10 Expense Categories
Covers rates, insurance, management fees, maintenance, capex reserves, leasing costs, body corporate, and more.
AU Depreciation
Div 40 (plant & equipment) and Div 43 (building allowance) calculated for Australian properties — shown as annual tax saving.
DSCR Check
Debt Service Coverage Ratio calculated against your loan inputs — flags whether the deal meets typical commercial lender thresholds (≥ 1.30x).
After-Tax Cashflow
Full after-tax position modelled using your marginal rate or company rate — not just pre-tax yield.
PDF Report
Download a branded PDF summary of your analysis — useful for presenting to lenders, partners, or advisers.