Free Commercial Property Tool

Buy vs Rent
Commercial Property Calculator

Compare the estimated cost of continuing to rent your business premises with the estimated cost of purchasing commercial property. Adjust the assumptions to see how the numbers change.

✓ Indicative estimates   ·   ✓ No sign-up required   ·   ✓ Results calculated in your browser

Your property scenario

Enter the figures you are currently considering. You can change any assumption and the comparison will update automatically.

Purchase price
$
$100k $5m
Cash / equity contribution
$
$0 $2m
Illustrative loan amount $750,000
% p.a.
Years
Before outgoings
$
$0 $500k
% p.a.
Rates, insurance, etc.
$
Optional estimate
$

How this comparison works

The calculator compares your estimated annual rent with the estimated annual cost of owning the property. It also models how rent could change over time based on the assumption you enter.

01

Renting

Your current annual rent is projected forward using the estimated annual rent increase you enter.

02

Buying

The calculator estimates loan repayments and adds the annual property costs and maintenance allowance you provide.

03

Compare

The results show the estimated difference in ongoing costs across one, five and ten years.

Estimated monthly difference
$0
Enter your assumptions to see the comparison.
Estimated annual rent $0 Current year
Estimated annual ownership cost $0 Loan + property costs
5-year view
Renting $0
Buying costs $0
Difference $0
10-year view
Renting $0
Buying costs $0
Difference $0

Annual cost comparison

Renting $0
Buying $0
Your comparison

Adjust the assumptions to see how the result changes.

Want to understand your actual options?

A calculator can help you model a scenario. A broker can assess the wider transaction, including the property, business cash flow, available contribution, existing commitments and potential lending structures.

Talk to Probiz Finance →
Important: This calculator provides an indicative comparison only and is not a loan offer, quote, pre-approval, financial advice or representation that credit is available or will be approved. It uses assumptions entered by the user and simplified calculations. It does not account for all lender criteria, transaction costs, tax consequences, depreciation, capital growth, opportunity costs, vacancy, lease incentives, break costs, legal costs or individual circumstances. Actual commercial property finance costs and lending outcomes will depend on the property, valuation, borrower, business financial position, loan structure, lender policy and applicable costs at the time of application. Consider your objectives and financial circumstances and obtain appropriate professional advice before making financial decisions.

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