Mortgage + Rent Together
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Cash flow is rent minus tax, vacancy and costs, minus the mortgage payment. A negative figure means the property needs a top-up every month. Return on cash is measured against the down payment — that is the effect of leverage.
How it is calculated
The loan payment uses the annuity formula (see the mortgage calculator). Vacancy, the 5% tax (if switched on) and other costs are subtracted from yearly rent; the result is divided by 12 and reduced by the payment.
Return on cash is the year’s cash flow divided by the down payment. Purchase costs are not part of it.
What the calculator leaves out
The calculation leaves out purchase costs, growth in prices and rents, changes in the rate and tax on sale. If the rate is higher than the rental yield, leverage works against you: test the scenario on the rent or buy page.
Data as of November 2026. This is a benchmark for comparing scenarios, not advice, a bank offer or a guarantee. All calculations run in your browser; nothing is sent to a server.
Frequently asked questions
What does a negative cash flow mean?
The rent does not cover the loan payment and costs, and you top up the difference from your own money every month. It happens when the rate is above the rental yield.
Why measure the return against the down payment and not the price?
With a mortgage you put in only the down payment; the rest is the bank’s money. So the return on your cash can be higher or lower than the property’s gross yield.
Can I get a mortgage on a flat I rent out?
That is the bank’s decision. Some banks count expected rent as income, but the National Bank’s payment-to-income limits still apply; see the guide to mortgages for foreigners.
See also
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A short summary of publications from open sources, prepared with AI; not legal or financial advice. Please check the original source.