Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Mixed-use building in Kensington · Ref 9967
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
-6662
10-yr return
56%
Net cashflow / mo
-6662
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
3102100 GBP
Down payment (30%)
930630 GBP
Acquisition fees (4.0%)
124084 GBP
Mortgage principal
2171470 GBP
Total cash-in at close
1054714 GBP
🏦 Financing
Loan amount
2171470 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
12949 GBP
Annual debt service
155382 GBP
📊 Year-1 operating P&L
Gross rent
+117880
Operating costs (20%)
−23576
Net operating income (NOI)
94304
− Debt service
−155382
− Income tax (20%)
−18861
Net cashflow
-79939 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 117880 | 23576 | -79939 | 3179653 | 1051675 |
| Y2 | 120827 | 24165 | -78053 | 3259144 | 1176975 |
| Y3 | 123847 | 24769 | -76120 | 3340622 | 1306702 |
| Y4 | 126944 | 25389 | -74138 | 3424138 | 1441036 |
| Y5 | 130117 | 26023 | -72107 | 3509741 | 1580164 |
| Y6 | 133370 | 26674 | -70025 | 3597485 | 1724282 |
| Y7 | 136704 | 27341 | -67891 | 3687422 | 1873597 |
| Y8 | 140122 | 28024 | -65704 | 3779608 | 2028322 |
| Y9 | 143625 | 28725 | -63462 | 3874098 | 2188683 |
| Y10 | 147216 | 29443 | -61164 | 3970950 | 2354914 |
| Σ 10y | Cumulative net cashflow | -708603 | Equity at exit | 2354914 | |
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.