Whether you’re a first home buyer, own your own home and wish to leverage or an experienced investor, utilise our helpful suite of tools to give you a general understanding of your situation. Strategise your portfolio growth, calculate mortgage repayments and optimise your investment property cash flow with ease.
Maximise Your Property Portfolio Position
Explore our suite of calculators to make informed decisions for your financial journey.
Use this tool to calculate your current mortgage repayments based on the interest rate and mortgage term. Additionally, compare mortgage repayment methods effortlessly, whether you’re considering Principal and Interest or Interest Only and determine which is right for you.
Understand what a property will yield you in income or whether it requires topping up. Simplify the computations of your investment property with our Cash Flow Calculator. This tool streamlines the process, enabling you to effortlessly calculate and refine your property’s cash flow.
Capital Growth Calculator
Explore the potential growth of your property investment with our Capital Growth Calculator. This dynamic tool allows you to forecast and plan for the appreciation of your property’s future value over time including allowance of additional properties within your portfolio.
Capital Growth Calculator
Use this tool to calculate your monthly mortgage payments based on your nominated interest rate and mortgage term. Compare these repayments based on either a Principal and Interest or Interest Only repayment method.
Our Cashflow Calculator will determine your property’s weekly cashflow or required top up through input of essential details such as loan information, rental income, and additional costs like property management fees, insurance, and maintenance. This will help you understand if the property is positively or negatively geared.
Build out your portfolio through our Capital Growth Calculator. Forecast your investment’s future worth including additional investment properties over time.
Need more help? Our knowledgeable financial advisers are always happy to answer any questions.
Your questions, answered
Property Investment and Mortgage FAQs
Looking to understand mortgage terms better, optimise cash flow, or plan for future capital growth? Our curated Frequently Asked Questions are here to provide easy-to-understand answers to all your burning queries. Gain valuable insights that will make your property investment journey smoother and more informed. Need a helping hand? Reach out to us – we’re always ready to chat and assist you!
What are the repayments on my mortgage?
Understanding your mortgage repayments is crucial for financial planning. Our Mortgage Calculator simplifies this process. Input the interest rate, mortgage term, and loan amount to compute accurate repayment figures. Whether you’re curious about Principal and Interest or Interest Only options, our calculator provides a clear breakdown, enabling you to make informed decisions about your mortgage commitments.
What is the best mortgage rate term?
Determining the optimal mortgage rate term depends on your financial goals and circumstances. Shorter-term mortgages often have lower interest rates, saving you money over the loan’s life but resulting in higher monthly payments. Conversely, longer-term mortgages offer lower monthly payments but may accrue more interest in the long run. Consider factors such as your budget, future income expectations, and risk tolerance. It’s advisable to consult with a financial advisor or mortgage broker to align the mortgage rate term with your specific needs and preferences.
How to calculate cash flow on a property?
Calculating cash flow on a property involves subtracting total expenses from the rental income generated. Start by tallying up all income sources, such as rent, and deducting various costs like mortgage payments, property management fees, insurance, maintenance, and property taxes. The resulting figure represents your property’s cash flow. Positive cash flow indicates a surplus, while negative cash flow suggests a deficit. Utilise our Cash Flow Calculator to simplify this process, offering a comprehensive view of your property’s financial performance and empowering you to make informed investment decisions.
Is my property a good investment?
Determining if your property is a good investment involves considering various factors. Evaluate the property’s location, potential for appreciation, and rental demand. Assess your financial goals and the property’s cash flow—positive cash flow is often a positive indicator. Additionally, market trends and economic conditions impact investment success. Utilise our calculators, such as the Cash Flow and Capital Growth Calculators, to analyse the property’s financial performance and forecast future value. Consulting with a financial advisor can provide valuable insights tailored to your specific situation, helping you make informed decisions about the potential success of your property investment.
What is a good rate of capital growth?
A good rate of capital growth varies depending on your investment goals, location, and market conditions. In general, a strong capital growth rate is one that exceeds the rate of inflation, allowing your property’s value to grow in real terms. Historically, many investors aim for an average annual capital growth rate of around 5-7%, but this can vary widely.
Factors like the property’s location, demand, supply, and economic conditions play a significant role. Higher-demand areas with limited supply tend to experience stronger growth. It’s crucial to conduct thorough market research, consult with local real estate experts, and utilise tools like our Capital Growth Calculator to assess your property’s potential growth rate. Ultimately, what constitutes a “good” rate of capital growth should align with your investment objectives and risk tolerance.
How do I calculate capital growth on my investment property?
Capital growth is calculated simply by compounding the annual rate of growth to your current property value by the length of time you intend to own the property. This growth is enhanced by adding additional properties to your portfolio. Adjust the growth rate to gain an idea of a conservative outcome or an optimistic one.
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Whether you’re planning to invest in property, manage your mortgage repayments, or secure your financial future, our team of friendly and knowledgeable financial advisers are here to guide you every step of the way. Don’t miss out on the opportunity to take your financial goals to new heights.