Compute monthly repayments, total interest paid, loan-to-value ratio, and monthly cashflow after debt service — for any property loan scenario.
Calculated using the standard amortisation formula. Assumes principal-and-interest repayments at a fixed rate for the full term.
LVR is the loan amount divided by property value. Lenders typically require LVR below 80% to avoid mortgage insurance.
Net cashflow is rental income minus operating expenses minus the monthly mortgage repayment. Positive cashflow indicates a self-funding property.
No. The calculator assumes full principal-and-interest repayments from the start. Interest-only modelling requires a separate calculation.
LMI is not factored into repayments. The LVR result will indicate whether LMI likely applies, but the premium varies by lender and loan size.
Negative cashflow on an investment property may be tax-deductible in some jurisdictions (negative gearing). Consult a tax professional for your specific situation.
Yes. The arithmetic is identical for commercial loans. Note that commercial lending typically has different LVR thresholds and rate structures.