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Enter your property details and see gross yield, net yield and weekly cashflow update instantly — including all running costs and your mortgage.
Adjust the values below. The report on the right updates in real time.
Rental yield is the annual return you earn from a property expressed as a percentage of its value. Gross yield is a quick starting point, but net yield and cashflow tell you whether the investment actually makes financial sense after all costs are considered.
Gross yield is your annual rent divided by the property value. Net yield deducts ongoing running costs — management fees, council rates, insurance, maintenance and body corporate — before dividing by property value. Net yield is typically 1.5 to 2.5 percentage points lower than gross.
When rental income exceeds all expenses including the mortgage, the property is positively geared — producing a weekly surplus. When costs outweigh income it is negatively geared, creating a shortfall you fund from other income. In Australia, negatively geared losses may be deductible against other income — speak with your accountant for a full tax picture.
In Sydney, gross yields typically range from 2.5% to 4.5% depending on suburb, property type and market conditions. Units generally yield more than houses due to lower entry prices relative to rent. A gross yield above 4% is broadly considered healthy for Sydney, though net yield and cashflow are what ultimately matter.
An interest only loan has lower repayments during the IO period — you are only servicing interest, not reducing principal. This improves short-term cashflow but you do not build equity. A principal & interest loan builds equity over time at the cost of higher repayments. Use the toggle above to compare both scenarios.
Estimate how much you can borrow based on income, expenses and APRA's serviceability buffer.
Calculate monthly, fortnightly or weekly repayments for any loan amount and rate.
Estimate Transfer Duty including First Home Buyer concessions.