Mortgage Calculators
Variables:Stress Test a Property For Purchase
If you are considering purchasing another property then below you can 'Run the numbers*' like the tried and true professionals for FREE!
Here you can quickly calculate the following:
Surplus Cashflow before tax
Loss for Tax Purposes
Tax Rebate
Passive Cashflow (i.e. after tax rebate)
Passive Cashflow per $100,000 invested
Equity Creation
For any terms you are unsure of either click on the relevant text for an explanation or see our Glossary
Assumptions we have made:
1) You borrow 100% of the purchase price.
Whether you do borrow 100% or not should be irrelevant for the purposes of assessing a property. This is because to compare every property purchase against every other property on a consistent basis you should always consider the financial results based on borrowing the complete purchase price.
At Hybrid we measure the financial results using the concept we pioneered of measuring the Passive Cashflow Per $100,000 invested - i.e. post-tax.. The reason for this is simply so we can always compare every potential property purchase on an 'apples for apples' basis.
2) 100% Occupancy
Whilst we know this may be unrealistic we are attempting to assess the numbers on a consistent basis. In our experience most residential property has a relatively high occupancy rate.
3) Mortgage Interest Rate will be an average rate by utilising Hybrids Interest Rate Averaging Concept concept.
Try it out below and see for yourself!
*Hybrid Group will not be held liable for any action taken or not taken as a result of either the receipt of advice or the non-receipt of advice from Hybrid Group its website and/or its authorised representatives about property investment. Hybrid Group provides this analysis purely as a free service to provide you with a rough analysis of the numbers. Hybrid Group recommends all clients seek professional advice before entering into any purchase. Check out Hybrid's consulting options Property Investment Consultation Order Form