Indicative terms in 24 to 48 hours · Panel of bank & non-bank lenders · Windsor Finance is a broker, not a lender
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Investment Property Loan Calculator

Work out the repayment, the gross rental yield, and the LVR on an investment purchase before you talk to anyone. Enter the property value, your deposit, an indicative rate, the term, and the weekly rent. Toggle between principal-and-interest and interest-only to see how the monthly cost shifts. It is a planning number, not an approval.

Speak to a broker Investment property loans

A scope note first. Windsor Finance is a finance broker, not a lender. We arrange investment property finance through a panel of Australian bank and non-bank lenders, and our focus is investment, development, commercial, and SMSF property lending rather than standard owner-occupier home loans. This tool is built for property investors sizing a purchase or refinance.

What this calculator estimates

The tool runs the standard amortisation maths on the loan (the property value less your deposit) and returns the monthly repayment, the gross rental yield, and the LVR. Switch the repayment type to interest-only and the monthly figure drops to the interest on the balance, with the principal left to clear later or on refinance.

Gross rental yield is the annual rent as a percentage of the property value. It is a useful first screen on income, but it is a gross figure. Rates, insurance, management, and maintenance all sit outside it, so the real net return is lower. Treat every output as indicative. The lender confirms your real position on application.

Indicative only

  • Residential investment LVR reaches up to around 80%, with LMI above that line.
  • Gross yield excludes rates, insurance, management, and maintenance.
  • Windsor Finance is a broker, not a lender.

Investment property loan calculator

Loan amount · LVR$487,500 · 75.0%
Monthly repayment (P&I)$3,081
Gross rental yield4.40%
Estimates only. Gross yield is before costs, and the repayment excludes fees and LMI. This is not an approval, offer or credit assessment.
Australian context

Investment lending in the Australian context

Investor lending is assessed more tightly than owner-occupier lending. Lenders test your servicing against a buffer, commonly around 3 percentage points above the actual rate, and they read rental income cautiously, often at 70% to 80% of the gross figure to allow for vacancy and costs. So the repayment a calculator says you can carry and the amount a lender will advance are frequently different numbers.

Investment property loans for an individual are consumer credit and are regulated under the National Consumer Credit Protection Act, with responsible lending obligations attached. Lending held in a company or trust for a business or investment purpose is generally assessed differently. A broker will confirm which applies to your structure.

This is where a calculator reaches its limit. It cannot read your income evidence, the property type, or how a lender will treat the rent. A broker takes one packaged enquiry to a panel of bank and non-bank lenders, then places it with the lender most likely to fund it cleanly. Windsor Finance is a finance broker, not a lender. Lenders approve and lend.

FAQ

Frequently asked questions

What is gross rental yield? +
Gross rental yield is the annual rent as a percentage of the property value, before costs. It is a quick way to compare properties on income. Net yield, which subtracts rates, insurance, management, and maintenance, is always lower. The calculator shows the gross figure so you can size the income against the loan.
Should I model principal-and-interest or interest-only? +
Model both. Interest-only keeps the early repayment lower and suits some investment structures and cash-flow plans, but the principal does not reduce during the interest-only period. Principal-and-interest costs more each month and pays the loan down. The right choice depends on your strategy and your exit, which is worth talking through with a broker.
What LVR can I borrow to on an investment property? +
Standard residential investment lending reaches up to around 80% of the property value, with Lenders Mortgage Insurance above that line. A larger deposit lowers the LVR, widens your lender choice, and tends to sharpen the rate. The lender confirms the final limit on the valuation and your servicing position.
Is Windsor Finance a lender? +
No. Windsor is a finance broker with no own capital and no product bias. We arrange investment property finance through a panel of bank and non-bank lenders. The purpose of each deal is confirmed in writing before it proceeds.

Get a real investment finance assessment

Run the numbers above, then let a broker pressure-test them against the live market. Bring the property, your deposit, and the expected rent, and we come back with indicative structures inside 24 to 48 hours. No cost, no obligation.

Speak to a broker Investment property loans
Windsor Finance is a finance broker, not a lender. We arrange finance through a panel of bank and non-bank lenders; lenders approve and lend. All rates, fees and LVRs shown are indicative and subject to lender approval, valuation and your circumstances. Much of our work (development, construction, commercial and most private and bridging finance) is business-purpose lending, generally not regulated under the NCCP Act. The purpose of each deal is confirmed in writing before it proceeds; every cost is disclosed in writing, up front, before you commit.