Tool 01 · Property Appraisal

Appraise any Australian property in 60 seconds.

A free AI skill — my own, not a borrowed plugin — that lays out any property like a valuer's report and hands you a branded PDF: subject summary, real comparable sales, and a low / most-likely / high value range. Install it once, run it on any address. Below: how to set it up, and a real one it produced.

In this guide
i · Why this mattersii · Two skills01 · Install02 · Run both03 · Save as PDF★ A real one04 · Refine· What it still gets wrong
Why this matters

A proper appraisal takes hours. Most buyers skip it.

A competent first-pass appraisal used to take two to four hours per property — pull the comparable sales, adjust for condition, cross-check the price per square metre, model the value range. Most buyers do none of it. They read the listing, ask a friend if the suburb's "good," and make an offer.

That worked when rates sat near zero and prices only went up. The serviceability buffer is now 3% above the lending rate, and the maths changed for everyone. The deals that survive an honest appraisal are the only ones worth spending professional fees on.

What you're building

Two skills: the analysis, then the branded report.

Give it an Australian address and recent comparable sales, and two skills work in sequence. property-appraisal does the thinking — subject summary, a comparable-sales table (real sales only, it never invents one), direct-comparison reasoning, and a low / most-likely / high value range. Then create-appraisal-report takes that analysis and lays it out as a clean, branded report page — which you save as a PDF in two clicks. Photos are optional: add your own if you have the rights to them. It's preparation, not a certified valuation.

What you need
The Claude desktop app (claude.ai/download), Skills enabled, and one real Australian property — plus 4–8 recent comparable sales for it. Setup takes about five minutes, once.
Step 01 · Install the skill

Five minutes. You only do this once.

i
Download the Claude desktop app from claude.ai/download and sign in.
ii
Open Settings → Capabilities and turn on Skills.
iii
Add the propertyaiOS skills — upload the skills file I'll DM you, or clone the free repo at github.com/ginnypie/PropertyAIOS.
iv
Done. The property tools now appear in every new chat — appraisal, cash-flow, borrowing power, and the rest.
Heads up: if you don't see Skills in Settings, your Claude plan doesn't include them yet — turn on the Code / Skills capability first.
Step 02 · Run it

Run the analysis, then build the report.

Open a new chat and run the first skill for the numbers. Paste your Australian address — it asks a couple of clarifying questions (the comparable sales, the purpose) before it starts. Don't skip them; the questions you can't answer are the ones to research before you offer.

1 · The analysis
/property-appraisal

Then paste: your address, and 4–8 recent nearby sold properties with their prices, dates and source.

Happy with the numbers? Run the second skill. It reuses that analysis and lays the whole thing out as a branded report page — with a spot to drop in your own photos if you want them.

2 · The branded report
/create-appraisal-report

It builds a self-contained HTML report — cover, subject summary, comparable-sales cards and a value number-line, in the 66 Days brand.

Step 03 · Save it as a PDF

Open the report, then Print → Save as PDF.

The second skill hands you a finished HTML report. Open it in any browser and use Print → Save as PDF — that option is built into every browser on Mac, Windows and Linux, so there's nothing to install. You get a clean, branded PDF to save or send.

What's in the report
A branded cover (add your own photo if you have one)
Subject property summary and attributes
A comparable-sales table — real, sourced sales only
Direct-comparison reasoning with a floor and a ceiling
A low / most-likely / high indicative value range on a number-line
A confidence level and the data gaps
What the report is — and is not
How to read the range
1
Start with the comparable-sales table. The value is only as good as the comps. If one looks wrong, fix it before you read the range.
2
Read the low end first. If the conservative figure still stacks up for you, you might have a deal.
3
Treat the range as a question, not an answer. Your job is to judge whether the comps actually justify it.
How it reads a property

An indicative range — with its reasoning shown.

Point it at a property — say an original 3-bed with a pool on a big block in a tightly held cul-de-sac — and it comes back with an indicative range, not a single number, anchored on the recent nearby sales you give it and laid out comp by comp so you can see how it got there.

The part that matters is how honestly it reads the place. It sits the value below the renovated 5–6 bed homes on the street, and flags exactly what you'd have to confirm — interior condition (the biggest swing on a long-held home), whether there's covered parking, and any overlay. Medium–High confidence, stated plainly.

What it won't do
It never invents a comparable sale. Give it no real comps and it tells you where to get them and stops — because a made-up number is worse than none. That's the whole difference between this and a website "estimate."
Step 04 · Refine

Sharpen the range.

1
Add more recent, closer comps — the tighter and more similar they are, the narrower the range and the higher the confidence.
2
Confirm the interior condition and any renovation — it moves the number more than anything else.
3
Ask for the bear case out loud — "value it as if the market softened 5%" — and read that version twice.
Before you rely on it

Where it needs your judgement.

Hyperlocal detail
It doesn't know the block backs a main road or sits under power lines. Tell it the features that a photo won't show.
Condition it can't see
It's reading numbers, not walking through. An unrenovated interior or a dated kitchen can move the value a long way — confirm it on inspection.
Overlays and flood
Portal "no flood detected" flags are unreliable for some blocks. Pull the council overlay yourself before you rely on it.
It will agree with you
Ask for a high number and it can lean optimistic. Ask for the conservative, comps-only read and take that one seriously.
Where the numbers come from

The data behind it is free — and public.

The appraisal runs on the comparable sales you give it — or the public "sold" records it looks up while you research. It never invents a sale.

Those sale prices ultimately come from your state's government land-titles register — the Valuer-General — the same records the big platforms license. In NSW you can pull them free; other states publish suburb medians. So you're not missing anything by not paying for a subscription: the authoritative data is public, and these tools stay free.

Where this gets you

Spend your Saturdays on the listings that hold up.

Run it on the listings you're weighing and you can quickly set aside the ones that clearly don't stack up on the numbers — before you spend a Saturday on an inspection. The ones that hold up are the ones worth a closer look, and you go in with sharper questions for the agent, your broker or a valuer. It's preparation — general information, not a valuation or advice. That's the point, not the AI novelty.

Next tool
Does the deal actually stack up on the numbers?
— Broker handoff

Numbers organised? The lending structure still needs a human.

AI can prepare the property summary, the assumptions and the risk questions. A credit specialist structures the actual deal — borrowing capacity, lender policy, income treatment, loan structure and the application strategy. Bring your prepared file when it's time.

Book a lending structure call →
Education only

These tools are for preparation and education only. They do not replace credit assessment, financial advice, tax advice, legal review or lender policy checks. Verify everything with qualified professionals. Finance on the Coast is a subdivision of Model Mortgages Pty Ltd (ABN 82 108 681 063), Australian Credit Licence 387460.