Estimate mortgage repayments, rental yield, annual cash flow, and 10-year projections for any NSW investment property.
Results update instantly. Based on your inputs — not a financial recommendation.
Property & Loan
Rental Income
Annual Running Costs
Typically 7–10% of annual rent
Capital Growth
NSW long-term average is approximately 6–8% p.a., though past performance doesn't guarantee future results.
These are estimates only — not financial advice. Results assume a principal-and-interest loan at a fixed rate with constant rental income and no vacancy. Tax implications are not included. Consult a qualified financial adviser before making investment decisions.
Premium postcode-area insights
Compare indicative gross rental yields using the latest available rental source month and sales settled in that same month. Rankings use postcode-area rental data, not suburb-specific rents.
Search for any NSW suburb to see recent recorded sale prices from the NSW Valuer General.
How is monthly mortgage repayment calculated?
The calculator uses the standard principal-and-interest annuity formula: M = P × r(1+r)^n / ((1+r)^n − 1), where P is the loan amount, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of monthly payments. This is the same formula used by Australian banks.
What's the difference between gross and net rental yield?
Gross yield is annual rent divided by purchase price — it ignores expenses. Net yield subtracts running costs (rates, insurance, maintenance, management fees) before dividing. Net yield is a better measure of actual income return, but it still excludes mortgage repayments and tax.
What is cash-on-cash return?
Cash-on-cash return measures your annual pre-tax cash flow as a percentage of the total cash you invested (deposit + purchase costs). Unlike yield, it factors in mortgage repayments, making it a useful real-world measure of how hard your capital is working.
How accurate are the 10-year projections?
Property value projections assume a constant annual growth rate compounded over time. In reality, property values fluctuate and growth rates vary significantly by suburb, cycle, and property type. The projections are illustrative — use them to compare scenarios, not as predictions.
Where does the NSW sales data come from?
All sales data shown in the suburb section comes from the NSW Valuer General — the official government body that records every settled property transaction in NSW. It's the same data published on Sold NSW.