Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Family home, Ancoats
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
5.0%
Cashflow / mo
-720
10-yr return
107%
Net cashflow / mo
-720
GBP · after debt service & taxes
Cap rate
5.0%
NOI ÷ asking price
Cash-on-cash
-3.1%
Year-1 cashflow ÷ cash-in
10-yr total return
107%
7.5% annualised
💼 Acquisition
Asking price
829700 GBP
Down payment (30%)
248910 GBP
Acquisition fees (4.0%)
33188 GBP
Mortgage principal
580790 GBP
Total cash-in at close
282098 GBP
🏦 Financing
Loan amount
580790 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3463 GBP
Annual debt service
41559 GBP
📊 Year-1 operating P&L
Gross rent
+51441
Operating costs (20%)
−10288
Net operating income (NOI)
41153
− Debt service
−41559
− Income tax (20%)
−8231
Net cashflow
-8637 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 51441 | 10288 | -8637 | 850443 | 281285 |
| Y2 | 52727 | 10545 | -7814 | 871704 | 314798 |
| Y3 | 54046 | 10809 | -6970 | 893496 | 349496 |
| Y4 | 55397 | 11079 | -6105 | 915834 | 385425 |
| Y5 | 56782 | 11356 | -5219 | 938729 | 422637 |
| Y6 | 58201 | 11640 | -4310 | 962198 | 461183 |
| Y7 | 59656 | 11931 | -3379 | 986253 | 501120 |
| Y8 | 61148 | 12230 | -2425 | 1010909 | 542503 |
| Y9 | 62676 | 12535 | -1446 | 1036182 | 585394 |
| Y10 | 64243 | 12849 | -443 | 1062086 | 629855 |
| Σ 10y | Cumulative net cashflow | -46748 | Equity at exit | 629855 | |
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.