Property Reports.
The verdict on one specific address.
When you've narrowed the search to a specific listing — or you've already received an off-market offer — a Property Report gives you the second opinion. Asking-price verdict, three structurally-adjusted comps, suburb cycle context, risk flags. Tier 3 adds the full APRA stress test against your actual loan.
Suburb Brief
Use case: you've found a listing, want a second opinion before opening offer.
- HTAG hedonic estimate vs asking price
- Three structural-adjusted comparable sales
- Suburb cycle stage, RCS, DOM, vacancy
- Risk flags (flood, bushfire, noise, public housing)
- BUY / REVIEW / WALK verdict on asking price
Full Second Opinion
Use case: serious about offering. Big-decision read with finance modelling.
- Everything in the Brief, plus
- 7-rate APRA stress test against your loan
- 3/5/7-year exit projection (capital + cash position)
- Opportunity-cost benchmark vs alternatives
- Walkable-amenity scoring + school catchment quality
- Handover page: questions for your broker / buyer's agent
How a Property Report is built.
The address is geocoded against HTAG's parcel-level dataset. The hedonic engine produces a baseline estimate. The sold-properties endpoint pulls comparable sales within 1 km in the last 12 months. The structural-adjustment endpoint reweights each comp on 30+ features. The cycle and risk endpoints layer on the suburb context. For Tier 3, the financial profile you provide (loan amount, rate, term, income) flows through a deterministic APRA-aligned model.
No LLM is anywhere in the analytical loop. Every number is the same number we'd produce running it twice.