Investment Property Calculators

A good gross rental yield in Australia typically ranges from 4-6%, while net yields (after expenses) of 3-5% are considered solid. Regional areas often offer higher yields (5-8%) but may have lower capital growth potential. Capital cities like Sydney and Melbourne typically have lower yields (2-4%) but stronger long-term growth prospects.

This depends on many factors including how long you plan to stay, property prices in your area, rental costs, interest rates, and your personal financial situation. Generally, buying becomes financially advantageous after 5-10 years in the same property due to equity building and capital growth. Use our Rent vs Buy Calculator to see which option works better for your specific circumstances.

Negative gearing occurs when your investment property expenses exceed your rental income, creating a loss. This loss can be offset against your other taxable income, reducing your overall tax bill. If you're in the 37% tax bracket and make a $10,000 loss, you'd save $3,700 in tax. However, you're still out of pocket - the tax benefit just reduces the cash loss.

For investment properties, most lenders require a 20% deposit to avoid Lenders Mortgage Insurance (LMI). If your current home has sufficient equity (typically 80% LVR or less), you may be able to use this as your deposit. Some lenders allow 90% LVR on investment properties with LMI. Use our Equity Release Calculator to see how much you can access.