Can I afford an investment property?
Analyse your investment property feasibility. Use this calculator to run due diligence over an investment to see if a property is negatively or positively geared. Model your income, repayments, expenses and taxes to calculate your pre-tax and after-tax cashflows in future years.
Annual rental income
Annual repayments
Annual cash expenses
Cash flow before tax
Cash flow after tax
The Variable Investor Home Loan will save you money on interest and fees to make it easy to buy an investment property.
How to use our investment property calculator
There’s a lot to consider when choosing an investment property. It can feel overwhelming once you start investigating sites and considering options. How do you invest with confidence? Use this calculator to see the profitability of an investment property and assess its viability before committing.
Expert analysis is a game-changer in property investment. Performing a feasibility assessment helps you to remove uncertainty, minimise risks and make informed decisions, not to mention maximise your ROI. Use this calculator to distinguish between bad and good property investments.
To start, gather these key pieces of information:
Property details like purchase price, loan amount, interest rate and loan term
Income details like salary, taxable income, rental income and annual rent increase percentage
Expense details like repayments, rates, strata, insurance, management, maintenance and tax
Once compiled, enter these details into the calculator to determine your overall returns.
How much can I borrow for an investment property?
Lenders typically lend 80% of the investment property value, less any debt you owe against it. Some lenders may increase this loan-to-value ratio (LVR), but none will lend you the full amount because they don’t want an outstanding loan worth more than the property if its value falls. To learn more, click here.
Can I use equity in my home for an investment property?
Yes. If you’re a homeowner looking to buy an investment property then you can refinance your home to use available equity as a deposit on your investment property. It means you don’t have to put any cash towards the deposit. Your home becomes security on the new debt. To learn more, click here .
Can I afford an investment property FAQs
According to the Australian Taxation Office (ATO), rental income you receive from renting some or all of your property is considered to be assessable taxable income. This means it’s taxed at your marginal tax rate and must be declared in your income tax return. To learn more, click here.
Since lenders typically lend 80% of the investment property value, on average you’ll need 20% for a deposit. To learn more, click here.
Yes. According to the Australian Taxation Office (ATO), you can claim a deduction for interest charged on any money borrowed to buy an investment property from which you derive an assessable taxable income. You can also claim other loan related expenses. To learn more, click here .
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