Rates +1%
A one-point rate move changes the weekly contribution on an average loan by hundreds of dollars a year.
See the
whole
property
equation.
Tax, rent, debt, vacancy, repairs and growth. Put them in the same room before you buy.
Free. No account. Your figures stay in your browser.
Quick estimate
01
The property takes money before it makes money.
- 1Rent
- 2Interest
- 3Property costs
- 4Tax effect
- 5Your contribution
Rent is your income line. It is typically collected weekly and rarely covers everything the property costs.
Interest is usually the largest single line. On an interest-only loan it is also the main cost driving a negative position.
Rates, insurance, management, maintenance and strata. Some are deductible; principal repayments are not.
A deductible loss reduces taxable income. A tax deduction can reduce a loss — it cannot make a weak property strong.
What you fund from cash each week after rent and tax. This is the number the brochure never shows.
02
Put the property under pressure.
Rates +2%
Two points is the difference between a plan and a problem for many interest-only structures.
Eight weeks vacant
Vacancy removes rent while interest keeps arriving. Occupied weeks matter more than advertised rent.
$15,000 repair
A single roof or plumbing event can erase a year of modest cash flow.
Zero growth
Capital growth is an assumption, not a law. Run the numbers without it.
Rent falls 5%
Markets soften. Check the property still holds on the way down.
04
We look where the brochure does not.
Owner-occupiers
Family renters
Employment
Land supply
Schools
Vacancy
Transport
Maintenance
Insurance
Exit liquidity