EquiSight

See exactly where your portfolio stands, property by property

EquiSight scores every property and pinpoints the one move that lifts your portfolio most.

Full analysis in minutes. Free for 14 days.

0/100
Stable
Leverage82
Income Quality71
Liquidity Buffer75
Stress Tolerance68
Built around Australian mortgages and the RBA
Your data is encrypted and never shared
No card needed for trial
No bank account access required
Your scores always stay current, automatically

Your portfolio carries risks your spreadsheet can't show you

Your lender moves your rate. Most investors don’t see the full impact.

When your bank adjusts your variable rate, whether following the RBA or not, the effect on your repayments is immediate. Most investors don’t see the portfolio-level damage until it shows up in their bank statement.

Your spreadsheet was accurate when you last updated it.

Rates shift, values move, and cash flows change constantly. Manual tracking means you’re always making decisions on data that’s already out of date.

Rate changes, value shifts, vacant properties. Your risk moves and nobody’s watching.

Most investors settle a property and move on. Rates creep, cash flows thin, exposure grows quietly in the background. EquiSight surfaces the things you’ve stopped thinking about, before they become the things you can’t ignore.

Portfolio Health Score

One score that tells you if your portfolio can take a hit

See exactly where your portfolio stands today, and the one move that lifts it the most.

Portfolio Resilience Score

0/100
Stable

Confirmed · 10 Apr 2026

Portfolio last updated 10 April 2026

Portfolio Value

$2.69M

LVR

65.0%

Usable Equity

$320k

Monthly Cash Flow

$420/mo

Leverage

82

30%LVR 65%

Your debt is 65% of property value

Your portfolio-weighted LVR is 65%. Lower leverage improves this pillar. Paying down loans or increasing property values will help.

Income Quality

85

20%Rent 112% of costs

Positively geared, rent fully funds costs (112%)

Your rent fully funds the property's running costs, with 420/month of surplus. Above 100% = positively geared.

Liquidity Buffer

75

25%14mo buffer

14 months of reserves if income stops

You have approximately 14 months of cash reserves to cover shortfalls. Building reserves improves this score.

Stress Tolerance

70

25%4 scenarios averaged

Rate rises + vacancy, averaged

Average of your portfolio score across four stress scenarios: +2% and +3% rate rises (variable loans only), plus 4-week and 6-week vacancies (investment properties only). Fixed-rate loans within their fixed period are unaffected.

Recommended Action

Add $15,000 to cash reserves to lift your liquidity buffer from 14 to 19 months· Projected: 81 (Stable)

Four pillars

Leverage, income quality, liquidity buffer and stress tolerance, scored for every property.

One portfolio score

Each property rolls into a single weighted score, so you always know where you stand.

One clear action

A prioritised next move to lift your score, with the projected result before you commit.

Per-Property Scoring

See which property is dragging you down

Every property is scored on its own across all four pillars, so the weak link is obvious. Refinance it, make extra repayments, or sell it. No more hiding behind a portfolio average.

Properties4 active

AddressScoreCash Flow
12 Marine Pde, Manly
House · NSW
91Resilient$320/mo
8 Boundary Rd, New Farm
Townhouse · QLD
79Stable$150/mo
41 Logan Rd, Woolloongabba
Unit · QLD
67Watch-$40/mo
5 Peachey Rd, Elizabeth
House · SA
52Elevated-$280/mo
View all properties →
Stress test · rate riseIllustrative
Your portfolio today
Your rate today
072/100
If rates rise +0.50%
Variable rate +0.50%
-468/100
If rates rise +1.00%
Variable rate +1.00%
-765/100
...and you add $25k buffer
Variable rate +1.00%
+173/100

What-If Scenarios

Survive the next rate rise before it hits

Raise rates, test vacancy periods, drop the rent. Play out any scenario on your real portfolio and see exactly how your score responds, before it's real.

Rate Monitor

Find out if your rate is still competitive

EquiSight checks your rate against the market and shows what a lower rate could save you, so you catch it before another year slips by.

Rate checkIllustrative
Your rate
6.45%
p.a. variable
Sharper rate
5.99%
available now
You could save
$2,850 /year

Illustrative example. Assumes a $620,000 loan over 30 years; your result depends on your loan, lender and circumstances.

Rate Watch

When rates move, your score moves with them.

Whether the RBA announces a change or your lender moves independently, EquiSight recalculates your score within minutes. You see the impact before it shows up in your repayments.

RBA cash rate
4.10%↑ +0.25% today
Your projected score
Recalculated ~4 min after the announcement
78/10075/100

Your score in minutes

01

Enter your property details

Property value, loan balance, interest rate, and rental income. Address lookup handles the rest.

02

See your score in seconds

Each property scores individually across four pillars, with a portfolio-level weighted score. Scores recalculate automatically when rates move or you update your details.

03

Act on clear recommendations

Every property comes with a prioritised recommendation and a projected score impact. One clear next move, ranked by how much it improves your portfolio.

Try it now. No signup required.

Enter one property and see your score in minutes.

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Add your full portfolio for a per-property breakdown
Get a specific action to improve your weakest pillar
Scores recalculate automatically when rates move

Simple pricing. Cancel anytime.

MonthlyAnnual
3 months free

Investor

For investors getting started

$14/mo

$168 billed annually · Save $60/yr

  • Up to 3 properties
  • Portfolio Health Score
  • 4-pillar breakdown
  • RBA rate alerts
  • Score history
Most popular

Portfolio

For growing portfolios

$22/mo

$264 billed annually · Save $96/yr

  • Up to 6 properties
  • Everything in Investor, plus:
  • What-If stress testing
  • Rate comparison
  • PDF reports
  • Scenario comparison

Pro

For serious investors

$37/mo

$444 billed annually · Save $144/yr

  • Unlimited properties
  • Everything in Portfolio, plus:
  • Priority support
  • API access (coming)
  • Advanced analytics

All plans include a 14-day free trial with full access. No credit card required.

Common questions

Your data is encrypted at rest with AES-256 encryption. We enforce row-level security so users can only ever access their own data. Stripe handles all payment processing. We never store or see your credit card details. EquiSight complies with the Australian Privacy Act.

Your score is produced by a model that assesses four dimensions of portfolio risk: how leveraged your properties are, whether rental income covers running costs, how long your cash reserves would last in a downturn, and how sensitive your portfolio is to rate changes. Each dimension is scored individually then weighted into a single number from 0 to 100. Inputs are your property values, loan details, rental income, expenses, and cash reserves.

No. EquiSight uses manual data entry only. You enter your property values, loan balances, interest rates, and rental income. Many property investors prefer this approach as it gives them full control over their data without sharing bank credentials.

EquiSight tracks rate changes from both the RBA and individual lenders. When your lender adjusts your variable rate, whether following an RBA decision or independently, EquiSight detects the change and recalculates your score within minutes. You see the impact on your portfolio before it shows up in your repayments.

Yes. On a monthly plan, cancelling stops the next charge immediately. On an annual plan, cancelling stops the renewal at the end of your 12-month period and your access continues until the plan expires. If you request account deletion, your data is permanently removed within 30 days.

No. EquiSight provides portfolio analytics and scoring only. It does not provide financial advice, product recommendations, or investment guidance. The scoring engine is a risk measurement tool: it tells you where your portfolio stands, not what to do about it. Always consult a licensed financial advisor before making investment decisions.

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