Work out the gross and net yield, cash flow and interest cover on a commercial investment property.
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Check your optionsHow this calculator works. Gross yield is the annual rent divided by the purchase price. Net yield uses net operating income: rent less outgoings you don’t recover from the tenant and a vacancy allowance. Cash flow is net operating income less your loan repayments. Cash-on-cash return is that cash flow divided by the cash you put in (deposit, stamp duty and costs). Interest cover is net operating income divided by the interest, tested at your interest rate plus the lender buffer, the way lenders commonly assess commercial investments. All figures are before tax and exclude GST, depreciation and capital growth.
Stamp duty. The calculator uses each state’s general transfer duty rates for commercial property for 2026–27, applied to the GST-inclusive price. It doesn’t include foreign purchaser surcharges, concessions or exemptions. Sources: Revenue NSW, SRO Victoria, QRO, RevenueWA, RevenueSA, SRO Tasmania, ACT Revenue Office and NT Treasury. Confirm the final amount with your conveyancer.
Important. This calculator is general information only. It isn’t financial, tax or credit advice or an offer of credit, and doesn’t take your circumstances into account. Lender policies and rates vary and change often. Factor Capital is a trading name of Zinc Finance Pty Ltd (ABN 90 668 675 965). Factor Capital arranges finance for business and commercial purposes only. It does not provide credit assistance for consumer credit regulated under the National Consumer Credit Protection Act 2009 (Cth), including home loans and personal loans.
