Deal analyser
One screen for a buy-to-let: cash needed on day one, monthly cash flow after vacancy and running costs, yields, cash-on-cash return and equity in five years.
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Worked out from the figures you enter and the published rates and tables shown; results marked as estimates depend on assumptions. General information, not financial, credit, tax or legal advice - Property HQ is not an authorised financial services provider or a registered credit provider, and banks do their own affordability assessment under the National Credit Act. Confirm the figures for your own case with your bank, conveyancer or a registered tax practitioner.
Tax, transfer duty and CGT tables from SARS; prime, repo and CPI from the South African Reserve Bank; minimum living costs from the National Credit Act regulations; exchange rates from the European Central Bank (via Frankfurter).
Frequently asked questions
2 quick answers - tap a question to open itWhat is cash-on-cash return?
A year's cash flow divided by the cash you put in (deposit plus buying costs). It shows how hard your own money is working, which yield alone doesn't.
Where do the rent and price come from?
Pick a suburb to prefill the price and rent from that area's medians - the source and date are shown - or type your own figures.