Fractal Homes

Investors

If it doesn't work on the spreadsheet, don't pour the slab.

We build single-storey rental stock across Victoria's growth corridors: standard four-bed rentals, dual-occupancy pairs on subdividable lots, and co-living plans with separate entries. Every proposal comes with a rent appraisal and a depreciation estimate before you sign.

Run the numbers

Gross and net yield, in real time.

Drag the sliders to see how a build price, weekly rent and holding costs interact. These are your figures, calculated in your browser — nothing is sent anywhere.

$720,000
$620 / week
22%

Holding costs cover rates, insurance, management fees, maintenance and expected vacancy — but not loan interest, which depends on your lender and structure.

Gross yield

4.48%
Annual rent$32,240
After holding costs$25,147
Net yield3.49%

An estimate only. It is not financial, tax or investment advice, and it ignores capital growth, stamp duty, depreciation benefits and your marginal tax rate. Talk to your own accountant and lender before you commit.

Build types

Three ways investors use a single-storey block.

A low-set modern rental home with a simple landscaped frontage

Standard rental

One Marlo 4 or Aria 3 on a single title. Lowest complexity, fastest to tenant, easiest to finance and to sell later to an owner-occupier.

1 title22 wks1 tenancy
A pair of matching single-storey homes sharing a boundary wall

Dual occupancy

Two Verge 3 plans on a subdividable lot with a zero-lot boundary wall. Two rents from one land purchase, and two titles to sell separately later.

2 titles30 wks2 tenancies
A single-storey home with dark cladding and separate entry doors

Co-living

The Halcyon 4 reconfigured with ensuites to every bedroom and a shared common zone. Higher gross yield, higher management overhead — check your council's position first.

1 title26 wks4 tenancies

What you get before you commit

A feasibility pack, not a brochure.

  • Independent rent appraisal from two local agents, in writing
  • Fixed build price with site costs already inside it
  • Quantity-surveyor depreciation estimate for the first five years
  • Stage-by-stage cash-flow schedule matched to a construction loan
  • Comparable sales and rentals within two kilometres of the lot
  • Planning overlay check — bushfire, flood, heritage, easements
Request a feasibility pack
A newly completed single-storey rental home ready for tenants

Finance partner

Investment lending, structured around progress draws.

Urban Loans handles construction finance for investors — land-and-build splits, interest-only during construction, and servicing assessed on the appraised rent rather than the current one. Worth a conversation before you make an offer on land, not after.

Visit Urban Loans

Get in touch

Let’s start
a conversation.

Whether you have a block, a set of plans or simply an idea you’re starting to explore, we’d love to hear what you’re thinking. Tell us a little about your project and we’ll take it from there.

Get in touch