Investment Property Calculator

P&I vs Interest Only Calculator

Compare Principal & Interest vs Interest Only repayments to make smart investment decisions

Investment Property Details

$
$

LVR: 80%

%

Rental Income & Expenses

$
$

Repayment Comparison

Principal & Interest

Monthly Repayment

$4,196

Total Interest Paid

$910,560

Loan Balance After 5 Years

$567,234

Total Paid (30 years)

$1,510,560

Builds equity immediately

Interest Only

Monthly Repayment (First 5 Years)

$3,750

Total Interest Paid

$1,237,500

Loan Balance After 5 Years

$600,000

Total Paid (30 years)

$1,837,500

Lower initial repayments

Monthly Savings (First 5 Years)

$446 per month with Interest Only

Annual savings: $5,352

Cash Flow Analysis (Annual)

Principal & Interest

Rental Income: +$31,200
Loan Repayments: -$50,352
Property Expenses: -$8,000
Before Tax: -$27,152
Tax Benefit: +$8,146
After Tax Cash Flow: -$19,006

Interest Only

Rental Income: +$31,200
Loan Repayments: -$45,000
Property Expenses: -$8,000
Before Tax: -$21,800
Tax Benefit: +$6,540
After Tax Cash Flow: -$15,260
Better Cash Flow (Interest Only): $3,746/year

P&I Advantage: You'll own the property outright in 30 years and pay $327,000 less in total interest.

IO Advantage: Better short-term cash flow means more capital available for additional investments or renovations.

Important: This calculator provides estimates only. Actual repayments and tax benefits depend on your individual circumstances. Interest only loans revert to P&I after the IO period, increasing repayments. Consult with a financial adviser for personalized advice.

Assumptions: Tax benefits calculated based on interest and expenses being deductible. Interest rates shown are indicative. Rental income assumes full occupancy. Property expenses vary by property. Subject to lending criteria and approval.

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Portfolio Growth

Interest only can free up cash for additional property investments, accelerating portfolio growth.

Long-Term Wealth

P&I builds equity consistently and results in full ownership, creating long-term wealth security.

Expert Strategy

Our advisers help design the optimal loan structure based on your investment goals and tax position.

Loan Application Form

Please fill out the form below and one of our expert advisors will contact you within 24 hours to discuss your options.

1 What type of loan are you interested in?

2 Your Contact Information

3 Loan Details

4 Additional Information

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We'll review your application and contact you within 24 hours

What Happens After You Apply?

Our streamlined process ensures you get the support you need quickly and efficiently

1

Application Received

Your application is securely received and assigned to an expert advisor

2

Initial Review

We review your information and prepare personalized options

3

Consultation Call

Rowena or one of our advisors calls to discuss your goals and options

4

Move Forward

We guide you through the full approval process step by step

Why Apply Through Life Protector Limited?

Expert Guidance

Work directly with Rowena and experienced advisors who specialize in non-traditional lending

Multiple Lenders

We work with 20+ lenders to find the best fit for your unique situation

No Upfront Fees

Free consultation and application review with no obligation to proceed

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