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| Year | Property Value | Loan Balance | Equity | Annual Net CF |
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Important Disclaimer & Assumptions
Assumptions: Projections assume constant growth rates and rental yields, which is unrealistic over long periods. Actual returns will fluctuate with market conditions. Does not account for renovation costs, tenant default, regulatory changes, or land tax. Capital growth assumptions are not forecasts.
General Disclaimer: This calculator is provided by Mortgage & Finance Advisory (Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.
Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.
We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.
© 2026 Mortgage & Finance Advisory. All rights reserved. ABN: 90 732 203 952 | Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328
Key metrics include rental yield (gross and net), cash flow after all expenses and tax, capital growth potential, total return on investment, and the property's impact on your borrowing capacity. Consider location, tenant demand, and future development in the area.
A good total return (yield + capital growth) is typically 7-10% per year. This varies by location and strategy. Cash flow positive properties may yield 5-8% rent but lower growth, while growth-focused properties in capital cities may yield 3-4% rent but achieve 5-7% capital growth.
Most lenders require a minimum 10-20% deposit for investment properties. With less than 20%, you'll pay LMI. Some lenders allow using equity from an existing property as a deposit. Investment loans typically have slightly higher interest rates than owner-occupied loans.
