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Important Disclaimer & Assumptions
Assumptions: Gross yield does not account for any expenses. Net yield is based on the expenses you enter — actual costs may be higher. Vacancy rates, maintenance costs, and management fees can vary significantly. Past rental returns are not indicative of future performance.
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
A good gross rental yield in Australia is typically 4-7%. Capital cities average 3-5% while regional areas can achieve 5-8%+. Net yield (after expenses) is usually 1-2% lower. Higher yields often come with higher risk or lower capital growth potential.
Gross rental yield = (Annual rent / Property value) × 100. Net rental yield = ((Annual rent - Annual expenses) / Property value) × 100. Expenses include council rates, insurance, property management fees, maintenance, strata fees, and land tax.
Both matter for different strategies. Rental yield provides ongoing cash flow and helps cover loan repayments. Capital growth builds wealth over time. Most successful investors seek a balance, though the ideal mix depends on your financial goals and tax position.
