Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Townhouse in 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
-3727
10-yr return
56%
Net cashflow / mo
-3727
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
1735400 GBP
Down payment (30%)
520620 GBP
Acquisition fees (4.0%)
69416 GBP
Mortgage principal
1214780 GBP
Total cash-in at close
590036 GBP
🏦 Financing
Loan amount
1214780 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
7244 GBP
Annual debt service
86925 GBP
📊 Year-1 operating P&L
Gross rent
+65945
Operating costs (20%)
−13189
Net operating income (NOI)
52756
− Debt service
−86925
− Income tax (20%)
−10551
Net cashflow
-44720 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 65945 | 13189 | -44720 | 1778785 | 588336 |
| Y2 | 67594 | 13519 | -43665 | 1823255 | 658432 |
| Y3 | 69284 | 13857 | -42583 | 1868836 | 731005 |
| Y4 | 71016 | 14203 | -41475 | 1915557 | 806155 |
| Y5 | 72791 | 14558 | -40339 | 1963446 | 883987 |
| Y6 | 74611 | 14922 | -39174 | 2012532 | 964611 |
| Y7 | 76476 | 15295 | -37980 | 2062845 | 1048142 |
| Y8 | 78388 | 15678 | -36757 | 2114416 | 1134699 |
| Y9 | 80348 | 16070 | -35502 | 2167277 | 1224409 |
| Y10 | 82357 | 16471 | -34217 | 2221459 | 1317404 |
| Σ 10y | Cumulative net cashflow | -396412 | Equity at exit | 1317404 | |
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.