Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Mixed-use building in Canary Wharf
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
-2827
10-yr return
56%
Net cashflow / mo
-2827
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
1316600 GBP
Down payment (30%)
394980 GBP
Acquisition fees (4.0%)
52664 GBP
Mortgage principal
921620 GBP
Total cash-in at close
447644 GBP
🏦 Financing
Loan amount
921620 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
5496 GBP
Annual debt service
65948 GBP
📊 Year-1 operating P&L
Gross rent
+50031
Operating costs (20%)
−10006
Net operating income (NOI)
40025
− Debt service
−65948
− Income tax (20%)
−8005
Net cashflow
-33928 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 50031 | 10006 | -33928 | 1349515 | 446354 |
| Y2 | 51282 | 10256 | -33127 | 1383253 | 499534 |
| Y3 | 52564 | 10513 | -32307 | 1417834 | 554593 |
| Y4 | 53878 | 10776 | -31466 | 1453280 | 611608 |
| Y5 | 55225 | 11045 | -30604 | 1489612 | 670657 |
| Y6 | 56605 | 11321 | -29720 | 1526852 | 731824 |
| Y7 | 58020 | 11604 | -28815 | 1565024 | 795196 |
| Y8 | 59471 | 11894 | -27886 | 1604149 | 860865 |
| Y9 | 60958 | 12192 | -26935 | 1644253 | 928926 |
| Y10 | 62482 | 12496 | -25959 | 1685359 | 999478 |
| Σ 10y | Cumulative net cashflow | -300747 | Equity at exit | 999478 | |
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.