Post-Budget Portfolio Review: How to Know Your Numbers in 2026

Australian property investors are making decisions in 2026 without a clear picture of where their portfolios actually stand. Rate rises have changed the cost structure. Budget changes have altered the tax position. And the national market data is masking wide variation in local performance. Reece Beddall and Lachlan Delahunty walk through the post-budget portfolio review that every Australian investor needs to complete before making any further moves.

Why Most Investors Do Not Know Their Numbers

The majority of Australian property investors do not have a single document that shows their total portfolio position: combined debt, combined rental income, net yield, equity position across each asset, and the impact of current rates on monthly cash flow. Without that document, every decision is made with incomplete information.

This is not a criticism of investors. Most were never taught to think about their portfolio as a system. They made individual property decisions as opportunities arose. The result is a collection of assets that has never been reviewed as a whole.

The Four Numbers Every Investor Needs to Know Right Now

The review that Reece and Lachlan recommend starts with four numbers. Total outstanding debt across all mortgages. Total rental income across all properties, annualised and net of vacancy allowance. Net monthly cash flow after all holding costs at the current rate. And total equity position at current conservative valuations, not 2024 peak estimates.

These four numbers tell you your actual position. From there, you can make decisions about what to hold, what to improve, and what to sell without relying on optimistic assumptions about growth that may not arrive on the timeline you need.

How PropStac Changes the Way You Review Your Portfolio

PropStac, Follio’s proprietary data tool, is built to give investors this picture without the manual spreadsheet work. It pulls together portfolio data, maps it against current market conditions at the suburb level, and flags assets that are underperforming relative to their potential. Reece and Lachlan explain how the tool works and how to get early access.

Published: 16 Jun 2026