Buying costs are paid upfront from cash, in addition to your deposit. Include stamp duty, conveyancing, inspections and any upfront loan or mortgage insurance costs. Use the buying-cost or stamp-duty calculator linked above to estimate them.
Other annual expenses should include rates, insurance, strata, land tax, maintenance and other ongoing costs. Do not include loan repayments or management fees here: these are calculated separately.
The opening figures are editable examples, not a property valuation or a market forecast.
| Year | Property value | Loan balance | Annual cash flow | Equity |
|---|---|---|---|---|
| 1 | $772,500 | $593,294 | -$18,959 | $179,206 |
| 2 | $795,675 | $586,138 | -$18,428 | $209,537 |
| 3 | $819,545 | $578,503 | -$17,886 | $241,042 |
| 4 | $844,132 | $570,357 | -$17,334 | $273,774 |
| 5 | $869,456 | $561,666 | -$16,770 | $307,790 |
| 6 | $895,539 | $552,392 | -$16,196 | $343,147 |
| 7 | $922,405 | $542,497 | -$15,609 | $379,908 |
| 8 | $950,078 | $531,940 | -$15,011 | $418,137 |
| 9 | $978,580 | $520,676 | -$14,401 | $457,904 |
| 10 | $1,007,937 | $508,657 | -$13,779 | $499,281 |
Rent uses 52 weeks less your vacancy allowance. Management fees apply to rent received. Property expenses and rent change once a year at the rates entered. Property value changes annually; negative growth is supported.
Loan repayments are monthly at a constant interest rate. An interest-only period is followed by principal-and-interest payments over the remaining loan term. The balance is paid off by the end of that term. Fees and interest-rate changes are not modelled.
Profit equals sale proceeds after selling costs and the remaining loan, plus cumulative rental cash flow, less your upfront cash. Total return divides that profit by upfront cash plus any annual cash-flow shortfalls. It is not an annualised return or an internal rate of return.
Amounts are in Australian dollars without an inflation adjustment. Income tax, tax deductions, depreciation and capital gains tax are excluded. This is a single-property scenario, not a forecast or personalised advice.
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