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Ispirto Property Advisory
Investment Cashflow Analysis
Pre-Purchase Cashflow Calculator
Live figures · Australia-wide stamp duty
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1
The Property & Loan
Start here
State / Territory
Victoria (VIC)
New South Wales (NSW)
Queensland (QLD)
South Australia (SA)
Western Australia (WA)
Tasmania (TAS)
ACT
Northern Territory (NT)
Purchase Price
Buyer Type
affects stamp duty
Investor / Standard (no concession)
Owner-occupier (home)
Standard transfer-duty rates applied. First-home-buyer concessions are not modelled — confirm eligibility separately.
Interest Rate
Loan Term
years
Repayment Type
Principal & Interest
Interest-Only
Show Repayments / Cashflow As
Weekly
Fortnightly
Monthly
Annual
2
Deposit & LVR Scenario
Tap a scenario
90%
10% dep
88%
12% dep
85%
15% dep
80%
20% dep
70%
30% dep
Fine-tune loan amount
$1,000 steps
$560,000 · 80.0% LVR
Purchase price
$700,000
Loan amount
(80% LVR)
$560,000
Your deposit
$140,000
● Loan (borrowed)
Deposit (cash) ●
Lenders Mortgage Insurance (when LVR > 80%)
Pay LMI upfront (cash)
Capitalise LMI into loan
At 80% LVR or below, no Lenders Mortgage Insurance (LMI) applies.
3
Upfront Purchase Costs
auto + editable
Stamp Duty (transfer duty)
auto-calculated
Conveyancing / Legal
Building & Pest Inspection
Loan / Lender Setup Fees
Govt Transfer & Mortgage Reg.
Buyer's Agent Fee
LMI (est.)
auto
4
Rental Income
Rent
per week
Vacancy Allowance
weeks / yr
5
Annual Holding Costs
ongoing
Property Management
% of rent collected
Letting / Re-let Fee
per year
Insurance
building + landlord
Council Rates
Water Rates / Charges
Strata / Body Corporate
Repairs & Maintenance
Land Tax
investor — varies by holdings
Mortgage Repayment
$3,540
/month
Based on loan amount
$560,000
Purchase price
$700,000
incl. $140,000 deposit
A $700,000 purchase in VIC at 6.5% — 80% LVR, P&I over 30 years.
Loan $560,000
Deposit $140,000
P&I · 30 yrs
Cash Needed to Complete
$179,820
Deposit + all upfront costs
Net Cashflow
-$285
per month · pre-tax
Gross Yield
4.16%
Annual rent ÷ price
Net Yield
2.9%
After holding costs
Cash to Complete the Purchase
▼
Annual Cashflow Position
▼
● Loan repayments
● Holding costs
● Net
Compare P&I vs Interest-Only
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