Investment Property Calculator  

Supported by Experts

Backed by insights from Carlisle Homes’ finance experts, our Investment Property Calculator is crafted to reflect current Australian market conditions. Offering valuable insights into your investment’s potential returns, this tool empowers you to make informed decisions aligned with your financial goals.

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How accurate is our Investment Property Calculator?

The estimates from our Investment Property Calculator are based on the details you input, such as rental income, expenses, and loan repayment amounts. These estimates offer a helpful guide but may vary based on the specific investment property calculator assumptions, such as future market conditions and personal financial factors.

Can the calculator estimate gross rental yield?

Yes, the calculator can estimate gross rental yield, which measures your property’s annual rental income as a percentage of its purchase price. This gives you an overview of your rental property’s potential return. Our calculator estimates gross rental yield by dividing your annual rental income by the property’s purchase price, helping you assess the investment’s profitability.

How does the calculator factor in my taxable income?

The calculator considers your taxable income by estimating your potential rental income and property expenses. It also considers how rental income, expenses, and deductions may affect your income tax return.

How are loan repayments calculated?

The calculator can estimate fortnightly loan repayment amounts or monthly repayments based on the home loan amount, interest rate, and loan term. These figures help give you a clear view of your annum repayments, interest and overall loan costs.

How can the calculator help me understand my future financial position?

The calculator estimates potential returns from your investment property and calculates ongoing costs, providing insights into your future financial position and helping you understand whether your property is a profitable investment over time.

What is the role of the rental yield calculator in property investing?

The rental yield calculator helps property investors determine the annual return on investment from rental income. Calculating the gross rental yield gives an indication of how much income a property generates relative to its value, which is important for assessing the viability of an investment.

How much can I borrow for an investment property?

The amount you can borrow for an investment property depends on several factors, including your income, existing debts, and the potential rental income from the property. Lenders will typically look at your loan-to-value ratio (LVR), which is usually capped at 80%, meaning you would need a 20% deposit. Some lenders might allow borrowing up to 90% of the property value with lenders mortgage insurance (LMI). Using our borrowing power calculator can estimate how much you can borrow based on your financial situation.

Can I buy an investment property with my super?

Yes, you can buy an investment property using your superannuation, but it must be done through a self-managed super fund (SMSF). The property must be solely for investment purposes and cannot be lived in by you or any related parties. Setting up and managing an SMSF has strict legal and compliance requirements, and consulting with financial and legal advisors is recommended to ensure you follow all necessary guidelines.

How to calculate capital gains tax on investment property?

To calculate capital gains tax (CGT) on an investment property, subtract the purchase price and any associated costs (such as legal fees, stamp duty, and renovation expenses) from the sale price. This gives you the capital gain. If you've owned the property for over 12 months, you may be eligible for a 50% CGT discount. The remaining capital gain is then added to your taxable income and taxed at your marginal rate. Consulting a tax advisor or using a CGT calculator can help provide more accurate calculations.