Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house 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
-3266
10-yr return
56%
Net cashflow / mo
-3266
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
1521000 GBP
Down payment (30%)
456300 GBP
Acquisition fees (4.0%)
60840 GBP
Mortgage principal
1064700 GBP
Total cash-in at close
517140 GBP
🏦 Financing
Loan amount
1064700 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
6349 GBP
Annual debt service
76186 GBP
📊 Year-1 operating P&L
Gross rent
+57798
Operating costs (20%)
−11560
Net operating income (NOI)
46238
− Debt service
−76186
− Income tax (20%)
−9248
Net cashflow
-39195 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 57798 | 11560 | -39195 | 1559025 | 515650 |
| Y2 | 59243 | 11849 | -38270 | 1598001 | 577086 |
| Y3 | 60724 | 12145 | -37322 | 1637951 | 640693 |
| Y4 | 62242 | 12448 | -36351 | 1678899 | 706559 |
| Y5 | 63798 | 12760 | -35355 | 1720872 | 774775 |
| Y6 | 65393 | 13079 | -34334 | 1763894 | 845438 |
| Y7 | 67028 | 13406 | -33288 | 1807991 | 918649 |
| Y8 | 68704 | 13741 | -32216 | 1853191 | 994513 |
| Y9 | 70421 | 14084 | -31116 | 1899521 | 1073140 |
| Y10 | 72182 | 14436 | -29990 | 1947009 | 1154645 |
| Σ 10y | Cumulative net cashflow | -347438 | Equity at exit | 1154645 | |
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.