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Australian Home Loan Model

Comprehensive analysis of costs, financing, and returns

Property & Loan Details

Enter your property and financing information

Select the state or territory where the property is located for stamp duty calculations
Enter the total purchase price of the property in Australian dollars
Enter your deposit amount in Australian dollars
Choose between principal and interest or interest-only loan type
Enter the annual interest rate as a percentage
Enter the loan term in years
Select the type of property, which affects whether strata fees apply
Select whether this is for owner occupation or investment
Select whether the property is new or established
Select whether you are a first home buyer, domestic buyer, or foreign buyer (affects stamp duty calculations and concessions)
Enter the expected weekly rental income in Australian dollars
Enter the quarterly strata fees in Australian dollars

Quick Summary

Loan Amount:$600,000
LVR:80.00%
Gross Yield:4.51%

Upfront Purchase Costs

One-time costs when buying the property

Deposit$150,000
Stamp Duty (NSW)$28,279
Legal Fees$1,500
Building Inspection$600
Loan Application Fee$600
Valuation Fee$1,000
Other$0
Lenders Mortgage Insurance$0
Total Upfront Costs$181,979

Loan Analysis

Principal and interest mortgage repayment details

$3,792
Monthly Repayment
$765,267
Total Interest
$45,509
Annual Repayments
80.00%
Loan to Value Ratio

Annual Ongoing Costs

Recurring expenses for property ownership

Strata Fees$4,800
Council Rates$4,500
Water Rates$800
Building Insurance$1,200
Property Management (8%)$2,704
Maintenance & Repairs$7,500
Total Annual Costs$21,504

Investment Analysis

Rental yields and cash flow analysis

$33,800
Annual Rental Income
4.51%
Gross Rental Yield
-$33,213
Net Annual Cash Flow
-4.43%
Net Yield

Cash Flow Breakdown (Annual)

Rental Income+$33,800
Total Ongoing Costs-$21,504
Loan Repayments-$45,509
Net Cash Flow-$33,213

Negative Gearing: This property will require $33,213annually to cover the shortfall. However, this may provide tax benefits through negative gearing deductions.