Calculators
Cap rate — the number
lenders price against.
Enter the income and value, and we'll work out net operating income, the cap rate, and the yield. It's the same calculation a lender runs to size a loan against a commercial asset. Indicative only.
Full-year gross rent — before vacancy or expenses.
Rates, insurance, management, repairs — the costs you carry.
Enter the figures
Add the property value, gross income, and expenses, then hit Calculate to see the cap rate and yield.
Reference
What the numbers mean.
Cap rate is the language commercial property is priced in. Here's what sits behind it — and why a lender cares.
Net Operating Income (NOI)
Effective gross income minus operating expenses — before any financing cost. Lenders use NOI to assess the asset independently of how it's funded.
Capitalisation Rate
NOI ÷ Property Value. The return on the asset at full price, ignoring leverage. Lenders use it to size loans and compare assets across a market.
Gross vs Net Yield
Gross yield is rent ÷ value. Net yield strips out vacancy and expenses. The gap between them tells you how hard the asset is to hold.
Further reading
Once you know the cap rate.
A cap rate values the asset. These pages cover how the debt against it actually gets structured and approved.
Commercial Property
Purchase, refinance and equity release across office, industrial, retail and mixed-use. Lenders judge tenant quality and lease terms — we present them.
Explore →ToolDevelopment Funding
Run a project's funding structure, equity requirement, and the metrics lenders judge — LVR on GRV and lend-to-TDC.
Open →GuideCommercial Finance, Canberra
How commercial lending works in the ACT — and the lenders who are genuinely active in the Territory.
Read →Financing a commercial asset?
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info@blackmountainfinancial.com.au
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