Explore the numbers. Understand the possibilities.
A property investment starts with an opportunity. A sound decision starts with understanding the numbers.
What could your repayments look like? Will the rental income cover your holding costs? How could changes in interest rates affect your cash flow? And how might your equity develop over time?
Our investment property calculators help you explore these questions before taking the next step.
At Advanced Finance Group, we combine Chartered Accountant insight with finance broking expertise to help you connect the property, the numbers and the funding.
Start with the question that matters to you
Whether you are buying your first investment property, reviewing an existing loan or planning your next acquisition, select a calculator below to explore your options.
What could my loan repayments be?
Investment Loan Repayment Calculator
Estimate repayments using your proposed loan amount, interest rate and loan term. Compare principal and interest repayments with interest-only payments where supported.
Use this calculator to explore:
- Different loan amounts and deposit scenarios.
- Monthly repayment commitments.
- The effect of a shorter or longer loan term.
PLAN YOUR NEXT MOVE
Home loan repayment calculator
Explore your repayments. Make your next property decision with greater clarity.
YOUR INDICATIVE REPAYMENT
per month
Total repayments —
Total interest —
Find a home loan that fits your bigger picture.
Discuss your home loan with André →Or call 0497 432 090Repayments are one part of the picture. Allow for property expenses, vacancies and a cash buffer when assessing affordability.
How could interest rate changes affect me?
Interest Rate Sensitivity Calculator
Explore how higher or lower interest rates could change your repayments.
Use this calculator to assess your current commitment, test alternative rate scenarios and understand the additional cash flow you may need if borrowing costs increase.
PLAN AHEAD. BORROW WITH CONFIDENCE.
Interest rate sensitivity calculator
See how a change in your loan interest rate could affect your repayments.
CURRENT REPAYMENT
per month
Custom scenario rate —
Scenario repayment —
Repayment increase —
Annual repayment increase —
These are loan-rate scenarios, not forecasts. A change in the RBA cash rate may not translate into the same change in your loan rate.
Discuss your loan structure with André →Or call 0497 432 090| Rate change (pp) | Loan rate | Monthly repayment | Change per payment | Annual change |
|---|
Consider whether the investment remains manageable under less favourable conditions.
What could the property cost me to hold?
Rental Yield & Property Cash Flow Calculator
Rental income is only the starting point. A clearer view includes loan payments and the ongoing costs of ownership.
Enter the purchase price, expected rent and estimated expenses to explore gross rental yield and cash flow after the costs included in your calculation.
Consider expenses such as:
- Property management and letting fees.
- Council rates, insurance and applicable water charges.
- Body corporate or strata levies.
- Repairs, maintenance and vacancy allowances.
- Land tax, where applicable.
SEE THE BIGGER PICTURE
Property wealth & equity calculator
Explore how property growth, rental income, borrowing and holding costs could shape your equity and cash flow over time.
PROJECTED EQUITY
at the end of the projection
Property value —
Loan balance —
Equity increase —
Cumulative cash flow —
Net wealth change* —
Year 1 cash flow —
Initial monthly loan repayment —
*Equity increase + cumulative rental cash flow − upfront costs. Negative cash flow includes cash you contribute to holding the property, including principal repayments. This avoids counting your contributions as investment gains.
Before tax, selling costs and inflation. Equity is not cash available to spend; borrowing against it requires lender approval.
Discuss your property strategy with André →Or call 0497 432 090Property value, debt and equity
Black: property value · Blue: loan balance · Gold: equity
Cash flow and net wealth change
Blue: cumulative rental cash flow · Gold: net wealth change after upfront costs
Year-by-year projection
| Year | Property value | Loan balance | Equity | Rent received | Outgoings | Loan payments | Annual cash flow | Net wealth change |
|---|
Gross rental yield excludes expenses. Cash flow after loan repayments is also different from taxable profit.
How could my equity change over time?
Property Wealth & Equity Calculator
Explore how assumed property value growth and loan repayments could affect your equity over your selected investment period.
Use the graphs to compare projected property value, outstanding debt and equity. Where supported, include rental income and outgoings to see the ongoing cash contribution required.
SEE THE BIGGER PICTURE
Property wealth & equity calculator
Explore how property growth, rental income, borrowing and holding costs could shape your equity and cash flow over time.
PROJECTED EQUITY
at the end of the projection
Property value —
Loan balance —
Equity increase —
Cumulative cash flow —
Net wealth change* —
Year 1 cash flow —
Initial monthly loan repayment —
*Equity increase + cumulative rental cash flow − upfront costs. Negative cash flow includes cash you contribute to holding the property, including principal repayments. This avoids counting your contributions as investment gains.
Before tax, selling costs and inflation. Equity is not cash available to spend; borrowing against it requires lender approval.
Discuss your property strategy with André →Or call 0497 432 090Property value, debt and equity
Black: property value · Blue: loan balance · Gold: equity
Cash flow and net wealth change
Blue: cumulative rental cash flow · Gold: net wealth change after upfront costs
Year-by-year projection
| Year | Property value | Loan balance | Equity | Rent received | Outgoings | Loan payments | Annual cash flow | Net wealth change |
|---|
Equity is the estimated property value less outstanding debt. It is not the same as investment profit or cash available to withdraw. Accessing equity requires lender approval.
Could refinancing improve my position?
Refinance Savings Calculator
Compare your existing loan with an alternative scenario to estimate the difference in repayments and interest costs.
Include refinancing costs where supported, and consider whether changing the loan term affects the apparent saving.
MAKE YOUR LOAN WORK HARDER
Refinance savings calculator
Compare your repayments and see whether switching could save you money.
MONTHLY REPAYMENT REDUCTION
per month
Current monthly repayment —
New monthly repayment —
Annual repayment reduction* —
Cash-flow cost recovery* —
Current remaining interest —
New total interest —
Lifetime saving after costs —
—
*Repayment reduction measures cash flow, not interest saved. Cost recovery uses the initial monthly reduction and is only shown if achieved while both loans remain active.
Discuss your refinance with André →Or call 0497 432 090Lower repayments do not always mean a lower total borrowing cost. Extending a loan term can increase total interest paid.
Am I considering a commercial property?
Commercial Property Loan Repayment Calculator
Explore indicative repayments for a commercial property purchase or refinance using your proposed loan amount, interest rate and repayment term.
STRUCTURE YOUR FUNDING FOR GROWTH
Commercial loan repayment calculator
Explore repayments and the balance payable at the end of your commercial loan facility.
YOUR INDICATIVE REPAYMENT
per month
Annual regular repayments —
Principal repaid during facility —
Interest during facility —
Balance due at facility expiry —
Total paid including expiry balance —
—
Discuss your commercial funding with André →Or call 0497 432 090Commercial property funding depends on factors including the property, lease arrangements, borrower position and lender requirements. A calculator provides a starting estimate.
Look beyond a single result
A property may show attractive rental income while requiring a substantial ongoing cash contribution. Another may build equity under your assumptions but leave limited flexibility for your next purchase.
Before proceeding, consider:
- Cash flow: What contribution will you need to make each month?
- Resilience: What happens if rates rise, rent falls or the property is vacant?
- Upfront costs: Have you allowed for purchase costs and initial improvements?
- Funding: How does this purchase affect your existing loans and future plans?
- Exit: What costs and circumstances could affect a future sale?
Try several scenarios. Include a more conservative case alongside your preferred assumptions.
Turn your calculations into a funding conversation
A calculator can help you explore an opportunity. The next step is understanding how it fits your circumstances and what lenders may be prepared to support.
Advanced Finance Group can assist with:
- Investment property purchase finance.
- Refinancing and loan structure reviews.
- Equity release applications for further investment.
- Commercial property lending.
- Scenario modelling for more complex investment decisions.
With experience across finance, commercial modelling and corporate advisory, we bring a broader perspective to conversations about capital and funding.
Let’s discuss your next property investment
Buying, refinancing or exploring your options?
Bring your calculator results and assumptions to a conversation with Advanced Finance Group. We can help you review the funding considerations and identify the next steps.
Calculator information
These calculators provide illustrative estimates based on the information entered. They are not loan offers, valuations, forecasts or personal financial advice. Actual outcomes may differ, and property values and rental income can fall.
Unless expressly included, results exclude purchase and sale costs, tax, depreciation, loan fees and other expenses. Finance is subject to lender assessment and approval. Obtain appropriate tax, legal and financial advice for your circumstances.