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True Cost of Buying Calculator
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True Cost of Buying Calculator
Calculate the true upfront and ongoing costs of buying an investment property.
Property Details
State
Property Type
Finance
Rental Income
Ongoing Costs
Water rates vary by state and are sometimes passed to the tenant where the property is separately metered. Maintenance and repairs are factored into your cash reserve below.
Cash Reserve
Vacancies, unexpected repairs and rate rises are a matter of when, not if. Use the sliders below to build your recommended buffer.
Vacancy Buffer
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Maintenance Buffer
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Total Reserve Recommended
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Vacancy buffer = weekly mortgage repayment × vacancy weeks. Maintenance buffer = % of purchase price, held annually.
Total Cash to Settle
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Deposit plus all upfront costs
Deposit
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Acquisition Costs
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LVR
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Loan Amount
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Upfront Costs
Stamp Duty
Transfer duty calculated at standard investor rates
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LMI
Lenders Mortgage Insurance — required when LVR exceeds 80%
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Conveyancing and Legal
Conveyancer or solicitor fees, title searches and disbursements
$1,500 to $3,000
Building and Pest Inspection
Recommended for all standalone dwellings
$400 to $700
Estimated Upfront (excl. deposit)
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Ongoing Costs (Annual)
Mortgage Repayments
Principal and interest, 30-year term
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Property Management
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Council Rates
Varies by local government area
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Landlord and Building Insurance
Both must be in place at settlement
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Water Rates
Can be passed to tenant if property is water-efficient and separately metered
$600 to $1,200
Maintenance and Repairs
Based on your maintenance buffer setting
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Gross Rental Income
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Total Annual Outgoings
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Net Annual Cash Flow
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Before tax offsets and depreciation
This calculator provides estimates only and does not constitute financial advice. Stamp duty figures are indicative; rates vary by state and property type. We recommend seeking independent financial, legal and tax advice before making any investment decision. © Investr.