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43 THE ESPLANADE INVERLOCH VIC 3996

HOUSE FOR SALE

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Estimated Valuation

43 THE ESPLANADE INVERLOCH VIC 3996 Property Photo
Bedrooms

4

Bathrooms

3

Car Space

4

Land Size

966 m²

Year Built

1950

Property Type

House

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Added 13 hours ago
Listing Price

Price withheld

Listed By
Alex Scott & Staff - Inverloch
This exceptional waterfront estate in Inverloch combines a renovated main residence with a luxury guest studio, offering stunning views of Anderson Inlet and significant income potential via existing bookings. With a massive 966sqm land size and high-end finishes throughout, this property is ideal for those seeking a coastal lifestyle with future development possibilities.

Description

This extraordinary property in Inverloch occupies a coveted front-row Esplanade position with uninterrupted views across Anderson Inlet to Point Smythe. The main residence is an extensively renovated original beach house, lovingly transformed while retaining character from its late-1950s origins. Oak-look flooring and a fresh neutral palette flow through the interiors, complementing flexible living and work-from-home spaces. The central open-plan kitchen features stone benchtops, a generous island, induction cooking, dual wall ovens, integrated dishwasher, extensive storage, and a cleverly incorporated wine cellar.

Accommodation includes a ground-floor guest bedroom and an expansive upstairs main bedroom enjoying breathtaking inlet views and direct access to the entertaining deck. An additional upstairs room offers flexibility as a nursery, sitting room, dressing room, or home office. Two beautifully renovated bathrooms, including a Hamptons-inspired family bathroom, are complemented by a stylish laundry and powder room.

Outdoor living is equally impressive with an elevated deck incorporating a spa, outdoor kitchen, and built-in barbecue against the backdrop of Anderson Inlet. The property also features a recently completed, architecturally inspired guest studio designed for boutique short-stay accommodation. This independent space showcases soaring raked ceilings, bespoke cabinetry, stone finishes, brushed brass tapware, heated bathroom flooring, gas log fire, reverse-cycle heating and cooling, and its own private landscaped garden.

An impressive barn-style workshop further enhances the property, incorporating epoxy flooring, mezzanine storage, a concealed home office, dedicated laundry servicing the guest studio, and excellent storage for vehicles, boats, and recreational equipment. The site includes an 11.8kW solar system and EV charger. The scale of the 966sqm allotment creates scope for future subdivision or redevelopment.

Property Style & Condition

Overall
contemporary
excellent
Condition
Exterior
modern
excellent
Condition
Livingroom
contemporary
excellent
Condition
Bedrooms
contemporary
excellent
Condition
Kitchen
contemporary
excellent
Condition
Bathroom
contemporary
excellent
Condition
Yard
landscaped
excellent
Condition

Key Features

Uninterrupted views across Anderson Inlet to Point Smythe
Extensively renovated main beach house
Newly completed luxury guest studio
966sqm land size
Oak-look flooring
Stone benchtops in kitchen
Induction cooking and dual wall ovens
Wine cellar
Expansive main bedroom with inlet views
Ground-floor guest bedroom
Elevated deck with spa, outdoor kitchen, and built-in barbecue
Guest studio with soaring raked ceilings
Bespoke cabinetry in studio
Heated bathroom flooring in studio
Gas log fire in studio
Barn-style workshop with epoxy flooring
Mezzanine storage
11.8kW solar system
EV charger
Side laneway access

Specifications

Property Details
Property Type House
Stories 2
Parking Type attached garage, detached garage, driveway, ev charging
Construction wood frame
Windows double pane
Gas natural gas
Internet nbn
Location & Setting
Setting suburban
Lot Position waterfront lot
Views ocean panoramic, bay, sunset
Waterfront bayfront
Beach Proximity beachfront
Nearby Amenities
Near beach
Near parks
Rental Information
short term rental allowed
current tenant occupied

Exterior

spa
deck
timber deck
outdoor kitchen
bbq area
garden
workshop
shed
boat ramp
driveway
side access
solar panels
smart thermostat

Indoor

open floor plan
vaulted ceilings
fireplace
hardwood floors
kitchen island
quartz countertops
stainless steel appliances
pantry
laundry room
home office
primary suite
ensuite bathroom
dual vanity
rain shower
built in shelving
wine cellar
heated floors
ceiling fan
recessed lighting
sliding glass doors
refrigerator
oven
gas range
induction cooktop
double oven
dishwasher
washer
dryer
wine fridge
barbeque
heat pump
fireplace
split system
double story
Listed on 24 Sep 2026

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INVERLOCH Statistics

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Crime in suburb of Inverloch VIC

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Safety Rank

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Property Crime Chance 1 in X
State Average (Violent) 1 in 84

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  Investment Viability Engine · 2026 Tax Rules

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1 The Property

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2 Your Situation

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3 Costs & Assumptions

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Interest on the borrowed deposit is also tax-deductible and is added to your gearing position. Your true out-of-pocket cash is reduced by whatever portion you borrow.
Borrowing capacity & serviceabilityCan you actually get the loan? Lender stress test.
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Ownership structure & income splittingSole, joint (split income), company or trust?
A negatively geared property usually works best held by the higher earner; a positively geared one benefits from being split to the lower earner. This is general information only.
Land tax (NSW)Annual holding cost on combined land value over the threshold.
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NSW 2026: nil up to $1,075,000 combined land value, then $100 + 1.6% of the excess, rising to $88,036 + 2% premium rate above $6,571,000. Computed land tax replaces the figure in section 3.
Cash buffer & risk capacityCould you survive vacancy, rate rises and repairs?
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Calculating…Verdict ?
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rent cash flow + capital gain − all costs & tax
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Comparing Common Investments ?
What this shows
Property value (grey bars, left axis) is the projected market value each year using your capital-growth assumption. The capital profit if sold line (coral, left axis) is the money you'd actually walk away with that year after repaying the loan, paying selling costs, paying CGT, and getting back the cash you put in. The rent collected line (teal, right axis) is gross annual rent received, grown at your rent-growth assumption.
What this shows
Three views of how the position evolves year by year. Property value (dashed) shows the asset growing at your capital-growth rate. Equity (coral) is value minus loan balance — how much of the property you actually own. Cumulative cash flow (teal) is the running total of all after-tax rent (positive) or top-ups (negative) you've put in since day one.
What this shows
The yearly cash position after every cost and tax effect. Green bars = positive years (the property paid you). Red bars = years you had to top it up from your pocket. This is the most honest picture of what holding the property feels like on a year-to-year basis.
What this shows
Where every dollar of the projected sale price goes. Net to you is what lands in your bank account; the rest is consumed by loan payout, selling costs and capital gains tax. The CGT slice depends on which regime applies (50% discount, indexation + 30% min tax, or a split of the two).

What this shows
How fragile your outcome is to the capital-growth assumption — the single biggest swing factor in any property forecast. Each point on the line re-runs the entire model at a different growth rate. Where the line crosses the dashed zero, that's roughly the growth rate needed just to break even over your hold period.

What this shows
The same upfront cash invested four different ways, held the same number of years. The property includes all rent, costs, tax and the final sale (after CGT and loan payout). The ASX 200 ETF compounds at its assumed total return; the gold line compounds at gold's long-run average; the inflation line is what you need to just preserve your purchasing power. Any year the property bleeds cash, that shortfall is invested in the comparison asset too (so they get the same total dollars over the life of the deal). Gains on the comparison assets are taxed under the same 2026-Budget CGT regime that applies to shares and ETFs — the transitional split (50% discount on the pre-1 Jul 2027 portion, then cost-base indexation + 30% minimum tax on the post-1 Jul 2027 portion), since non-property assets are never grandfathered.
What this shows
The full year-by-year ledger. Cash flow is pre-tax (rent minus all cash costs); tax effect is the value of any deduction or the tax bill on net profit; after-tax is the actual dollars in or out of your account that year. Cumulative is the running total.

About this model

Reflects the 2026 Federal Budget proposals (announced 12 May 2026): from 1 July 2027, negative gearing on established residential property bought after 7:30pm 12 May 2026 can only offset rental income / residential property gains (excess losses carry forward), and the 50% CGT discount is replaced by cost-base indexation plus a 30% minimum tax on the real gain accruing after 1 July 2027. The CGT change applies to all CGT assets (shares, ETFs, gold, crypto), not just property, so the comparison assets are taxed on the same basis. New builds retain full negative gearing and the choice of the 50% discount. Properties contracted on/before 12 May 2026 are grandfathered. The main residence, superannuation funds and widely-held trusts are exempt. These are proposed rules that may change in legislation. Resident tax rates 2025–26 are used (incl. 2% Medicare levy). This is general information, not financial, tax or legal advice — consult a licensed adviser before acting.
Purchase Cost Calculator

The True Cost of Buying this Property

Beyond the sale price, Australian property buyers face stamp duty, legal fees, inspections, loan charges and more. Adjust the purchase price and your state to see the full picture.

Purchase Price
$850,000
AUD
$100K $5M
Property State
Your Situation
Total Additional Costs
On top of the $850,000 purchase price in NSW
Extra Costs
$52,000
All-In Cost
$902,000
% of Price
6.1%
How these figures are calculated

Stamp Duty (Transfer Duty): Calculated using each state's 2024–25 residential transfer duty brackets for owner-occupiers. First home buyer concessions and investor surcharges are applied where selected.

Lenders Mortgage Insurance (LMI): Estimated at approximately 1.5–2.5% of the loan amount, assuming an 85% LVR. Actual LMI depends on your lender, LVR and loan size.

Conveyancing / Legal Fees: Typical range of $1,500–$3,000 covering contract review, searches and settlement. We use a mid-range estimate.

Building & Pest Inspection: Typically $400–$800 combined for a standard residential property.

Loan Application & Mortgage Registration: Includes bank application fees ($300–$600), mortgage registration (state-based, usually $150–$230) and transfer registration fees.

Council & Water Rate Adjustments: Estimated at around 0.1% of the purchase price — the buyer typically reimburses the seller for pre-paid rates.

These estimates are indicative only. Always confirm exact figures with your conveyancer, broker and the relevant state revenue office before committing to a purchase.

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Disclaimer: This calculator provides estimates only based on standard published rates for 2025-26. Actual stamp duty may vary based on individual circumstances, concession eligibility, and contract dates. LMI is a rough estimate only — actual premiums vary by lender, LVR, and loan size. Always verify with your state’s revenue office and seek professional advice before purchasing.

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Disclaimer: This calculator provides an estimate only and does not constitute a quote or loan approval. Calculations are based on standard APRA guidelines (including a 3.0% interest rate assessment buffer) and 2025–26 Australian resident tax rates. Lenders may apply their own specific Household Expenditure Measure (HEM) rules, risk margins, and varying credit card assessment rates (typically 3.8% of the limit). Rental income is shaded to 80%. Always speak to a licensed mortgage broker or lender for an exact assessment.

Refinance Savings Calculator

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