46 Capel Drive Investment Calculator

Inputs

Simple view shows the main levers, headline result and long-term forecast. Switch to Advanced for loan sizing, fees, sensitivity tables and detailed assumptions.

All fields are editable. Use sliders for quick changes or type exact figures.

Purchase & rent

Purchase price

Weekly rent

Vacancy allowance, weeks/year

Other buying costs, excluding stamp duty

Settlement agent, bank fees, building/pest etc. Stamp duty is estimated automatically.

Current and new home loan

Current home loan balance

Current home loan rate %

Current remaining term, years

Current actual repayment/month

Used as the baseline because your actual repayment is the real cashflow today. Proposed home loan total, principal and interest

Proposed home loan rate %

Proposed home loan term, years

Defaulted to 29 years to match the current loan remaining term. Auto-size required loans from purchase price and target investment loan ratio Target investment loan ratio %

Default 80%. When auto-size is on, the investment loan equals purchase price × the selected loan ratio. The home loan equals the current home loan plus the remaining settlement funding gap.

Investment loan

Investment loan, interest-only

Auto-sized to 80% of the purchase price by default. Turn auto-size off to test the $600k pre-approval amount manually. Investment loan rate %

Property manager & operating costs

Management fee % of rent collected

Include first-year letting, advertising and condition report Insurance/year

Council rates/year

Water/service charges/year

Maintenance buffer/year

Accounting/administration/year

Land tax/other/year

Long-term position forecast

Forecast years

Use 10 or 15 years to see how the investment looks over time. Low property value growth % per year

Medium property value growth % per year

Default scenarios use 3%, 5% and 7% property growth. Rent growth and cost inflation are modelled separately. High property value growth % per year

Rent growth % per year

Operating cost inflation % per year

Estimated selling costs % of value

Used for the net equity estimate only. It is not added to annual cashflow.

Forecast

Headline cashflow is pre-tax. Tax benefits and depreciation are excluded; the long-term section models capital growth separately.

Investment property cashflow before tax

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Home loan uplift compared with today

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Total monthly change

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Gross yield

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Annual forecast

Loan & funding view

Rent sensitivity

Same assumptions, rent changed only.

Rate stress

Same assumptions, both new loan rates changed.

Investment position over time

Year-by-year estimate of equity if sold, using low, medium and high property growth scenarios. Pre-tax and before depreciation. Switch to Advanced to change the growth assumptions.

Medium scenario property value

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Final weekly rent

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Medium equity if sold

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Medium cashflow-adjusted position

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Cumulative pre-tax cashflow

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Equity if sold, low growth Equity if sold, medium growth Equity if sold, high growth Medium cashflow-adjusted position

Year-by-year view

Notes: this is a simple planning calculator, not financial, tax or credit advice. By default the loans are auto-sized to the funding actually needed for settlement, assuming an 80% investment-property loan and a home-loan top-up for the remaining purchase costs. Turn auto-size off to test the larger pre-approval limits. Stamp duty is estimated using Western Australian general transfer duty bands and should be confirmed with your broker/settlement agent. Council, water, maintenance and land tax are placeholders until exact bills are known. The total monthly change compares your actual current home-loan repayment with the proposed refinanced home-loan repayment, then adds the investment property's own pre-tax cashflow. The long-term position forecast is a pre-tax model: it assumes the investment loan stays interest-only, the home-loan top-up amortises over the selected home-loan term, rent grows at the selected rate, operating costs inflate at the selected rate, and property value growth is shown as low, medium and high scenarios.