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Investment Property Strategy Calculator

Model the numbers on your investment

Our Investment Property Strategy Calculator helps you estimate the cash required to complete a purchase, understand the property's weekly holding cost and explore how equity could build over time.

It gives you a practical snapshot of how an investment property may fit within a broader property investment strategy.

What does the investment property calculator show?

Enter your proposed purchase and finance details to estimate:

  • the deposit required
  • estimated purchase costs
  • total cash required to complete the purchase
  • estimated loan amount
  • weekly loan repayments
  • rental income
  • estimated weekly holding cost
  • property equity over time
  • loan-to-value ratio
  • a potential equity pathway towards another property purchase

The results can help you compare different purchase prices, deposits, rental returns and loan scenarios before committing to a property.

How much cash do you need to buy an investment property?

The deposit is only one part of the upfront cost of buying an investment property.

Depending on the property and location, you may also need to allow for stamp duty, conveyancing, inspections, lender costs and other purchasing expenses.

The calculator brings these figures together to estimate your total cash to complete.

This can provide a more realistic picture of the funds you may need before purchasing an investment property.

Calculate your weekly holding cost

An investment property's holding cost is the difference between the money coming in and the estimated costs of holding the property.

Your calculation may take into account factors such as:

  • home loan repayments
  • expected rental income
  • property management costs
  • council rates
  • strata or body corporate fees
  • insurance
  • maintenance allowances
  • other ongoing property expenses

The result provides an estimated weekly cash flow position.

Actual expenses and rental income can vary, so the calculator should be used as a starting point rather than a forecast of investment performance.

Understand the equity pathway

Property equity is the difference between the estimated value of a property and the amount owing against it.

Over time, equity may change as the loan balance reduces or the property's value moves.

The Investment Property Strategy Calculator can model different assumptions to show how your estimated equity and loan-to-value ratio could change over time.

This can help you understand the numbers involved when considering a future property purchase.

Using equity to purchase another investment property

Some property owners consider using available equity from an existing property to help fund another purchase.

The amount of equity in a property is not necessarily the same as the amount that can be borrowed.

A lender will generally consider factors such as the property's valuation, loan-to-value ratio, income, expenses, existing liabilities and borrowing capacity before approving additional lending.

The calculator can help illustrate a potential equity pathway, but it cannot determine whether you will qualify for another investment property loan.

Test different investment property scenarios

Small changes to your assumptions can make a significant difference to the numbers.

You can use the calculator to explore how changing the purchase price, deposit, interest rate, rental income or property growth assumption affects:

  • your upfront cash requirement
  • estimated weekly holding costs
  • loan balance
  • property equity
  • loan-to-value ratio
  • the timeframe used in your property investment scenario

This can make it easier to compare potential investment property strategies using consistent assumptions.

Model your investment property strategy

Enter your proposed property and loan details to estimate your cash to complete, weekly holding costs and potential equity position over time.

A mortgage broker can help you review the finance assumptions, borrowing structure and lending options available for an investment property purchase.

Important Note: The calculators and tools provided are for general information purposes only. They are designed to illustrate possible scenarios and should not be relied upon as financial, legal, or taxation advice. The results are based on the information you enter and certain assumptions, which may not reflect your personal circumstances. You should consider obtaining professional advice before making any financial decisions. While every effort is made to ensure the information is accurate and up to date, no guarantee is given as to its completeness or reliability.

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Give FIA a call today and see how we can help you explore your finance options and take the next step towards your goals.
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FABIAN RESTAINO (Credit Representative Number 382599) and Finance Industries Australia Pty Ltd (ABN: 81 619 871 788 with Credit Representative Number 500181) are authorised Credit Representatives under Australian Credit Licence 387025.

The information provided is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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After obtaining a job in credit card defaults and collections in his early 20’s while finishing his studies - Luke felt he could make a real difference to those around him, simply to better understand money, cut through the jargon and make better decisions, so he dedicated himself to learning and practising this throughout his career.

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