Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Mixed-use building in Kensington
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
-6972
10-yr return
56%
Net cashflow / mo
-6972
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
3246600 GBP
Down payment (30%)
973980 GBP
Acquisition fees (4.0%)
129864 GBP
Mortgage principal
2272620 GBP
Total cash-in at close
1103844 GBP
🏦 Financing
Loan amount
2272620 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
13552 GBP
Annual debt service
162620 GBP
📊 Year-1 operating P&L
Gross rent
+123371
Operating costs (20%)
−24674
Net operating income (NOI)
98697
− Debt service
−162620
− Income tax (20%)
−19739
Net cashflow
-83663 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 123371 | 24674 | -83663 | 3327765 | 1100663 |
| Y2 | 126455 | 25291 | -81689 | 3410959 | 1231800 |
| Y3 | 129616 | 25923 | -79665 | 3496233 | 1367570 |
| Y4 | 132857 | 26571 | -77592 | 3583639 | 1508161 |
| Y5 | 136178 | 27236 | -75466 | 3673230 | 1653770 |
| Y6 | 139583 | 27917 | -73287 | 3765061 | 1804602 |
| Y7 | 143072 | 28614 | -71054 | 3859187 | 1960872 |
| Y8 | 146649 | 29330 | -68765 | 3955667 | 2122804 |
| Y9 | 150315 | 30063 | -66418 | 4054559 | 2290635 |
| Y10 | 154073 | 30815 | -64013 | 4155922 | 2464609 |
| Σ 10y | Cumulative net cashflow | -741611 | Equity at exit | 2464609 | |
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.