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Illustrative only, not a quote, forecast or financial advice. Figures use the median house value in each capital city (Cotality, September 2026). Buying assumes a 20% deposit, stamp duty and fees, and a 30-year loan at 6.5%. Wealth built for buying is home equity less interest, stamp duty and fees. With Dwell, your monthly payment matches the mortgage repayment and builds a 1% stake in the Dwell pool, and the amount you would otherwise put down as a deposit is invested in Australian shares at 9.0% a year, the 30-year average to June 2026 (Vanguard). Property values, including the Dwell pool, grow at 5.0% a year, the national 10-year average (Cotality). Returns are before tax and fees. Past performance is not a reliable indicator of future returns. See our Terms of Service for full details.

Wealth built
after 10 years

dwell

$375K

buying

$315K

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See how your wealth could grow in Victoria3-bedroom, 2-bathroom house

Dwell and buying over 5 years — Victoria illustrative estimates
Getting into your homeGetting startedDwellBuying
Deposit$0$156,000
Stamp duty + fees$0$48,400
Total upfront$0$204,400
Time to get started0 yrs8.6 yrs
Your monthly paymentDwellBuying
Monthly payment$3,940$3,940
The full pictureDwellBuying
Loan amount$0$624,000
Interest paid$0$196,800
Deposit$0$156,000
Deposit invested insteadDeposit invested$240,000—
Principal / stake paid$2,400$39,900
Your wealth built$242,700$166,200

Illustrative only, not a quote, forecast or financial advice. Figures use the median house value in each capital city (Cotality, September 2026). Buying assumes a 20% deposit, stamp duty and fees, and a 30-year loan at 6.5%. Wealth built for buying is home equity less interest, stamp duty and fees. With Dwell, your monthly payment matches the mortgage repayment and builds a 1% stake in the Dwell pool, and the amount you would otherwise put down as a deposit is invested in Australian shares at 9.0% a year, the 30-year average to June 2026 (Vanguard). Property values, including the Dwell pool, grow at 5.0% a year, the national 10-year average (Cotality). Returns are before tax and fees. Past performance is not a reliable indicator of future returns. See our Terms of Service for full details.

Wealth built
after 5 years

dwell

$243K

buying

$166K

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Summary

Location
Layout
3 bedrooms2 bathrooms1 parking spaces
Essential services
None selected
Entertainment
None selected

Illustrative only, not a quote, forecast or financial advice. Figures use the median house value in each capital city (Cotality, September 2026). Buying assumes a 20% deposit, stamp duty and fees, and a 30-year loan at 6.5%. Wealth built for buying is home equity less interest, stamp duty and fees. With Dwell, your monthly payment matches the mortgage repayment and builds a 1% stake in the Dwell pool, and the amount you would otherwise put down as a deposit is invested in Australian shares at 9.0% a year, the 30-year average to June 2026 (Vanguard). Property values, including the Dwell pool, grow at 5.0% a year, the national 10-year average (Cotality). Returns are before tax and fees. Past performance is not a reliable indicator of future returns. See our Terms of Service for full details.