Everything about StratMap.

StratMap is a complete Australian property strategy tool. It models your portfolio (properties, shares, super, cash, debts) over 30 years under real Australian tax and serviceability. It is not financial advice, it is a modelling tool. Built by James Thompson, licensed buyers agent at Rethink Residential.

StratMap organises your portfolio journey around four stages (Anchor, Expansion, Balance, Consolidation) and three pillars (Map, Match, Model). One tracker models the whole thing. Everything a licensed BA charges $15,000+ per deal to build, in every Australian investor's hands from $99 per year.

StratMap is the only Australian property tool with the 2026 Federal Budget reforms coded end-to-end. It also uniquely combines the three pillars in one place: Map (portfolio tracking, goals, budget), Match (suburb and strategy matching, running across both Map and Model), and Model (scenarios, tax modelling, projections, six-month review). Other tools cover one or two pillars each.

James Thompson, licensed buyers agent and founder of Rethink Residential, a boutique Australian buyers agency operating under the BuyersNet umbrella. James built StratMap as the internal tool for his per-client strategy engagements. It is now open to every Australian investor. Read more at about the tool.

No. StratMap is a modelling and tracking tool. It shows numbers based on your inputs and the assumptions in the engine. It does not tell you what to do. Confirm every decision with a licensed financial adviser, accountant, and mortgage broker. Australian residential property is not a financial product under the Corporations Act, and StratMap does not hold an AFSL.

On your device (localStorage), by default. If you sign up for the Paid tier, your data syncs to our backend so you can access it across devices. We never sell your data. We use it to run the tool for you.

Yes. The free tracker works entirely in your browser. No email, no account, no credit card. Sign up only when you decide to save your work across devices or upgrade to Paid.

Everything on your balance sheet. Properties (real and modelled), shares and ETFs, super, cash and offset accounts, non-property debts (car loans, credit cards, HECS, personal loans), household expenses, dependents, life events (holidays, career changes, mat leave). All modelled together with 30-year projections.

Two views of the same portfolio. Tracking mode: what you actually own today. Strategy mode: your future purchases layered on top, modelled forward. Toggle between them without re-entering anything.

Unlimited. Free tier: 1 saved scenario. Paid tier: 5 saved scenarios (each with unlimited properties inside).

Full ATO income tax brackets for the current financial year. Medicare levy with phase-in. Div 43 (2.5%/yr on construction cost for 40 years) and Div 40 (diminishing value on Year 1 plant and equipment). State stamp duty formulas per state. Land tax with NSW, VIC, QLD surcharges. Franking credits on shares. SMSF LRBA. Full 2026 Federal Budget reforms coded end-to-end.

Yes, the tracker is responsive to mobile. However, the tool is designed for deep strategic modelling, so desktop provides the best experience. Best used on a tablet or laptop for anything beyond quick checks.

Yes. The Team page lets you add your broker, accountant, buyers agent, and financial planner with per-member visibility scopes. They see only what you grant them access to (all properties, specific properties, or budget-only for brokers).

Contextual tips that appear as you navigate the tracker, plus a first-run welcome overlay. Complements the Loom video walkthrough. Progress chip in the bottom-right shows how many tips you have seen. Reset anytime from the walkthrough panel.

Yes, the tracker is free forever. Free tier includes real portfolio tracking, basic Money page, one saved scenario, LGA area browsing across all 17,900 AU suburbs, and view-shared-scenarios. Paid tier at $75 for year one, then $99 per year, unlocks the full strategy toolkit.

Portfolio + property radars (6-axis vs your stage archetype), Strategy Explorer, 5 saved scenarios, scenario sharing, DD checklist on every property (25 items across 3 phases), Reform Position deep-dive, SMSF + super + business asset modelling, advanced tax comparators (CGT sale-method, land tax, quarantined losses), renovation calculator, Goal Builder reverse-math, 2 suburb research tokens included per year, plus 25% off additional tokens.

Tokens are the universal currency for premium one-off features. Currently: suburb reports (1 token per report, showing deep suburb data with strategy-fit overlay). Retail: $10 per token. Subscribers get 25% off ($7.50). Tokens expire annually, at subscription renewal for Paid users or 12 months from purchase for non-subscribers.

Your first year is $75. From year two onward it is $99/yr. Both prices are shown prominently at signup, and we send a 30-day-before reminder email. Cancel anytime.

Yes. Cancel from your Subscription settings. If you cancel mid-year, you keep paid features until the end of your billing period. No refunds for unused months, but no surprise charges either.

The 5-scenario cap is hard. It is not something you can buy more of with tokens. If you want to build a sixth, you delete one first. The idea is curation over accumulation.

Standard 30-day money-back on the subscription. If you are not getting value, cancel and get a refund in the first 30 days. After that, unused subscription time is non-refundable but you keep access until the period ends.

StratMap Marketplace is a curated off-market listing service. Direct vendors and buyers agents can list. Buyers browse fuzzy details free, unlock full details with a Paid subscription. When a buyer expresses interest and the vendor approves, StratMap facilitates the introduction. Set fees of $5,000 buyer + $5,000 seller on successful settlement. Marketplace is facilitation only, not real estate agent representation.

Real estate agent commission is typically 2-3% ($16,000-$24,000 on an $800k sale) plus $2,000-$4,000 marketing and up to $2,000 auction fees. StratMap replaces this with a flat $5,000 fee. Vendor saves approximately $18,000 on a typical sale.

Because the buyer receives platform value too: curated off-market access, DD-verified listings, and facilitated introduction. $5,000 is well below what a buyers agent alone would charge ($15,000-$25,000). The buyer can also engage Rethink Residential separately for full BA representation if they want it.

Both parties sign a Commitment to Proceed before contact details are shared. That document has a 12-month clause: if a transaction is concluded between the parties within 12 months of introduction (whether via StratMap or independently), the fees are due, with a 3x liquidated damages multiplier if not paid ($30,000 instead of $10,000). StratMap runs automated title checks via CoreLogic to verify settlements.

Listings auto-refresh every 14 days. Two days before the refresh deadline you get a one-click confirmation email. If you do not refresh, the listing automatically comes off the marketplace and you get a relist link if you want to bring it back later.

No. The marketplace is off-market only, direct from vendors or sourced by licensed buyers agents. Real estate agents acting in their agency capacity are excluded to preserve the off-market identity of the platform.

You do, via your conveyancer or property solicitor. StratMap curates the listing and facilitates the buyer introduction. The transaction proper (contract of sale, deposit handling, cooling off, settlement, negotiation) runs through the parties' legal representation.

Yes. Three partnership tiers: White-label (free, unlimited free-tier client onboarding on your brand), Affiliate (30% Y1 revenue share on subscriptions and tokens from your tracking link), and Sponsorship (flat placement fees for property media). See the Partners page for details.

No. Tier 1 white-label activation unlocks unlimited free-tier client onboarding. Every client can use the Free tier on your brand at no cost to you. Paid seat subs ($30/client/yr) and bulk token packs are optional add-ons for clients you actively want to upgrade.

Sponsored clients get a 60-day grace period at Paid tier, then downgrade to Free (1 scenario, tools accessible, data preserved). Your clients tracker, scenarios, notes, and reports are always theirs. They can also accept sponsorship from another partner, or upgrade to $99/yr individually.

Yes. Bulk suburb-report token packs are available: 10-pack for $70 ($7/report) or 50-pack for $300 ($6/report). Tokens are per-client-locked at redemption. Reports carry your branding.

Unique tracking link, click attribution baked in. 30% of Year 1 revenue on any subscription or token purchase made through your link. Year 2+ revenue stays with StratMap. Attribution persists 12 months from signup. Monthly threshold-based payout (accrued over $100).

No. You can promote other tools, run your own product, do whatever you want. StratMap is one of many services you offer your clients or audience.

Two standalone calculators, free without signup: Residential Property Calculator (weekly rent, vacancy, PM fees, gross yield, 10-year value trajectory) and Commercial Property Calculator (annual net rent, cap rate up to 15%, lease expiry, rent step at option review, 10-year projection). Both live on the calculators hub.

Commercial leases typically reset to market rent at option exercise. If your lease expires at year 4 and the tenant exercises their option, rent often steps up by 10-15% or more depending on market movement. This is often the single biggest driver of return on a commercial property.

Yes. When you add a commercial property in the tracker Add Asset flow, the commercial calculator inputs appear inline: cap rate, lease expiry, options remaining, rent step at option, plus an optional value uplift schedule for signed lease terms. Everything feeds the tracker engine directly.

Convention. Residential leases in Australia are typically quoted weekly. Commercial leases are quoted annually and are usually net (after outgoings paid by the tenant). Both calculators respect this convention to match how you would think about each asset class.

Yes. StratMap is the only Australian property tool with the 12 May 2026 reforms coded end-to-end. Every property auto-classified by tax regime. Quarantined loss ledger per property. Split-treatment CGT for pre + post 1 July 2027 disposals. Cost-base indexation with exact ABS quarterly CPI. New-build exemption logic. Reform-position visible in seconds via the Toolkit page.

A deep-dive Toolkit page showing your portfolio position under the 2026 reforms. Where each property sits (grandfathered, pre-reform build, post-reform). What changes at 1 July 2027. Split-treatment CGT if you sell after that date. Quarantined loss balances. New-build eligibility per property.

Yes. Rental losses reduce taxable income at your marginal rate. Under the 2026 reforms, established residential acquired after 12 May 2026 has rental losses quarantined to property income only, with indefinite carry-forward of the excess. StratMap models both the pre-reform (legacy NG) and post-reform (quarantined) regimes based on each property's classification.

Div 43 flat 2.5%/yr on construction cost portion for 40 years. Div 40 diminishing value (200%/10yr life) on Year 1 plant and equipment pool. Both applied automatically based on property purchase year and new-build flag. Depreciation is not claimable on PPOR.

Yes. Sell modal includes 50% CGT discount (if held over 12 months), marginal-rate proxy calculation, PPOR-year apportionment for properties that transitioned between IP and PPOR. Under the 2026 reforms, disposals after 1 July 2027 use cost-base indexation OR 30% minimum tax, whichever gives the higher tax bill. Split-treatment for pre + post-reform gains.

Yes. State-specific formulas: VIC ($2,870 + 6% above $130k for $130-$960k), QLD ($3,500 + 3.5% above $350k for $350-$540k), SA ($11,455 + 5.5% above $300k for $300-$500k), other states 4% flat as a defensible estimate. Overrideable via the Assumptions modal or per property.

Yes. Set property ownership structure to SMSF at add-time. Engine applies commercial LVR cap (70% typically), no negative gearing (SMSF is a 15% tax entity, losses do not flow to your personal income), and LRBA serviceability note on property cards flagging the higher lender due-diligence standard.