Free Property Investment Tool
Loan Repayment Calculator | Investment Property
Compare interest-only versus principal and interest loan repayments for Australian investment property loans. See monthly repayments, total interest cost, and the impact of different loan terms and interest rates.
How to Use This Calculator
- Enter your loan amount and interest rate
- Choose your loan term (years)
- Compare interest-only vs principal and interest repayments
- See total interest paid over the life of the loan
Frequently Asked Questions
Should I choose interest-only or P&I for an investment property?
Interest-only loans have lower repayments and maximise negative gearing deductions, but do not reduce the principal. P&I builds equity faster. Your choice depends on your cash flow, tax position, and investment strategy.
How does the loan repayment interact with depreciation?
Depreciation reduces your taxable income, which improves your after-tax cash flow. This effectively reduces the net cost of your loan repayments. A detailed depreciation schedule from Koste can significantly improve your cash flow position.
What interest rate should I use?
Use your current or expected loan interest rate. As of 2026, investment property variable rates in Australia typically range from 6.0–7.5% depending on the lender and loan type.
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Need a Professional Report?
This calculator provides indicative estimates, not a tax assessment. Koste residential reports cost $695 + GST. Our published residential target is 10 business days from payment. Missing information, access requirements or unusual complexity can affect delivery. Please confirm any tax or settlement deadline with Koste before ordering. Commercial timing is confirmed for the individual scope. Confirm your tax treatment with your accountant.
Results are estimates only and do not constitute financial or tax advice. Koste Chartered Quantity Surveyors · AIQS Member · RICS Member · TPB Registered · 1300 669 400 · info@koste.ai