Rental Property ROI Calculator for New Brunswick

Property details

Purchase price

Down payment

Mortgage rate

Amortization period

yrs

Income and expenses

Expected monthly rent

Annual property taxes

Annual insurance

Include property management fee

Tax settings Sources: CRA T776, T4002, T4037

Your marginal tax rate

Verify at Canada.ca — Tax rates and income brackets for individuals

Building value (% of purchase price)

Land is not depreciable. Check your municipal assessment.

Claim CCA depreciation

Class 1 at 4% declining balance. Half-year rule applies in year 1.

Multi-year projection

Hold period

yrs

Annual rent increase

Annual appreciation

Year 1 results (pre-tax)

Monthly mortgage payment

Monthly cash flow

Annual cash flow

Cap rate

Cash-on-cash return

Year 1 results (after tax)

After-tax monthly cash flow

After-tax annual cash flow

After-tax cash-on-cash return

Income tax on rental income

CCA deduction year 1

Analysis

Multi-year projection

Year	Property value	Annual rent	Interest	CCA	Tax	Pre-tax CF	After-tax CF	Cumulative CF	Mortgage bal.

Sale analysis at end of hold period

Projected sale price-

Capital gain-

Capital gains tax (50% inclusion)-

CCA recapture tax-

Total tax on sale-

Equity at sale-

Net equity after sale tax-

Cumulative after-tax cash flow-

Total return after tax-

Results are estimates for planning and educational purposes only, not financial or tax advice. Tax formulas sourced from CRA T776, T4002 and T4037. Vacancy, maintenance and closing costs not included. Consult a qualified Canadian accountant before making investment decisions.

Investing in New Brunswick rental property

Real Property Transfer Tax Applies

New Brunswick charges a Real Property Transfer Tax on all property purchases, calculated as a percentage of the purchase price. Current rates are published by the New Brunswick government. Confirm the exact amount with your lawyer before finalizing your acquisition budget.

Rent increase controls Verify current status

New Brunswick introduced residential rent increase restrictions in recent years. The current rules on allowable rent increases should be verified with the Office of the Rentalsman before issuing any rent increase notice. Legislation in this area has been active and the current rules may differ from what was in place at the time this page was written.

Legislation and disputes

New Brunswick landlord-tenant relationships are governed by the Residential Tenancies Act (New Brunswick). The Office of the Rentalsman at snb.ca handles applications, mediation and adjudication of disputes.

Common questions about New Brunswick rental property

Is there rent control in New Brunswick?

New Brunswick introduced rent increase restrictions in recent years. The current rules on allowable increases should be verified with the Office of the Rentalsman at snb.ca. Always confirm current requirements before issuing a rent increase notice to any tenant.

What is the Real Property Transfer Tax in New Brunswick?

New Brunswick charges a Real Property Transfer Tax on all property purchases calculated as a percentage of the purchase price. Current rates are published by the New Brunswick government. Confirm the exact amount with your real estate lawyer when preparing your purchase budget.

What are the best rental markets in New Brunswick?

Moncton is generally considered the strongest rental market in New Brunswick, with a bilingual population, a growing economy and a university. Fredericton, as the provincial capital, has a stable government and university economy. New Brunswick properties offer some of the most affordable price points in Canada, making positive cash flow achievable.

What legislation governs landlords and tenants in New Brunswick?

The Residential Tenancies Act (New Brunswick) governs residential landlord-tenant relationships in the province. The Office of the Rentalsman at snb.ca handles applications and dispute resolution.

Analyze any New Brunswick property

Return to the main calculator for the full experience or explore our guides for Canadian real estate investors.

Main calculator New landlord checklist

This page is for informational purposes only and does not constitute financial, tax or legal advice. New Brunswick's rent regulation rules have been subject to recent changes. Verify current rules with the Office of the Rentalsman and consult a qualified advisor before making investment decisions.