Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
4-bed apartment, Notting Hill
Tweak any input — down payment, mortgage rate, hold horizon — and the projection refreshes instantly. Country-specific tax and fee schedules are baked in; the formula is documented on the methodology page.
Cap rate
3.0%
Cashflow / mo
-9376
10-yr return
56%
Net cashflow / mo
-9376
GBP · after debt service & taxes
Cap rate
3.0%
NOI ÷ asking price
Cash-on-cash
-7.6%
Year-1 cashflow ÷ cash-in
10-yr total return
56%
4.6% annualised
💼 Acquisition
Asking price
4366100 GBP
Down payment (30%)
1309830 GBP
Acquisition fees (4.0%)
174644 GBP
Mortgage principal
3056270 GBP
Total cash-in at close
1484474 GBP
🏦 Financing
Loan amount
3056270 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
18225 GBP
Annual debt service
218695 GBP
📊 Year-1 operating P&L
Gross rent
+165912
Operating costs (20%)
−33182
Net operating income (NOI)
132729
− Debt service
−218695
− Income tax (20%)
−26546
Net cashflow
-112511 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 165912 | 33182 | -112511 | 4475253 | 1480197 |
| Y2 | 170060 | 34012 | -109857 | 4587134 | 1656552 |
| Y3 | 174311 | 34862 | -107136 | 4701812 | 1839139 |
| Y4 | 178669 | 35734 | -104347 | 4819357 | 2028209 |
| Y5 | 183136 | 36627 | -101488 | 4939841 | 2224027 |
| Y6 | 187714 | 37543 | -98558 | 5063337 | 2426869 |
| Y7 | 192407 | 38481 | -95555 | 5189921 | 2637024 |
| Y8 | 197217 | 39443 | -92476 | 5319669 | 2854795 |
| Y9 | 202147 | 40429 | -89321 | 5452661 | 3080497 |
| Y10 | 207201 | 41440 | -86086 | 5588977 | 3314461 |
| Σ 10y | Cumulative net cashflow | -997335 | Equity at exit | 3314461 | |
Modelling assumptions
- Country baseline: GB — operating costs 20% of gross rent, income tax 20%, capital appreciation 2.5%/yr.
- Projections assume rent grows at the country appreciation rate. Real-world rent growth will diverge.
- Mortgage figures use a constant interest rate for the full term. Re-mortgage events are not modelled.
- Excludes capital-gains tax on exit, currency hedging costs and any local property tax over and above the operating buffer.