Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Penthouse-style apartment, Northern Quarter
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
-726
10-yr return
107%
Net cashflow / mo
-726
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
836900 GBP
Down payment (30%)
251070 GBP
Acquisition fees (4.0%)
33476 GBP
Mortgage principal
585830 GBP
Total cash-in at close
284546 GBP
🏦 Financing
Loan amount
585830 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3493 GBP
Annual debt service
41920 GBP
📊 Year-1 operating P&L
Gross rent
+51888
Operating costs (20%)
−10378
Net operating income (NOI)
41510
− Debt service
−41920
− Income tax (20%)
−8302
Net cashflow
-8712 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 51888 | 10378 | -8712 | 857823 | 283726 |
| Y2 | 53185 | 10637 | -7881 | 879268 | 317530 |
| Y3 | 54515 | 10903 | -7030 | 901250 | 352529 |
| Y4 | 55877 | 11176 | -6158 | 923781 | 388770 |
| Y5 | 57274 | 11455 | -5264 | 946876 | 426304 |
| Y6 | 58706 | 11741 | -4348 | 970547 | 465186 |
| Y7 | 60174 | 12035 | -3408 | 994811 | 505468 |
| Y8 | 61678 | 12336 | -2446 | 1019681 | 547211 |
| Y9 | 63220 | 12644 | -1459 | 1045173 | 590474 |
| Y10 | 64801 | 12960 | -447 | 1071303 | 635320 |
| Σ 10y | Cumulative net cashflow | -47154 | Equity at exit | 635320 | |
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.