Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Townhouse in Spinningfields · Ref 7744
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
-416
10-yr return
107%
Net cashflow / mo
-416
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
479300 GBP
Down payment (30%)
143790 GBP
Acquisition fees (4.0%)
19172 GBP
Mortgage principal
335510 GBP
Total cash-in at close
162962 GBP
🏦 Financing
Loan amount
335510 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
2001 GBP
Annual debt service
24008 GBP
📊 Year-1 operating P&L
Gross rent
+29717
Operating costs (20%)
−5943
Net operating income (NOI)
23773
− Debt service
−24008
− Income tax (20%)
−4755
Net cashflow
-4989 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 29717 | 5943 | -4989 | 491283 | 162492 |
| Y2 | 30460 | 6092 | -4514 | 503565 | 181852 |
| Y3 | 31221 | 6244 | -4026 | 516154 | 201896 |
| Y4 | 32002 | 6400 | -3527 | 529058 | 222652 |
| Y5 | 32802 | 6560 | -3015 | 542284 | 244148 |
| Y6 | 33622 | 6724 | -2490 | 555841 | 266416 |
| Y7 | 34462 | 6892 | -1952 | 569737 | 289486 |
| Y8 | 35324 | 7065 | -1401 | 583981 | 313393 |
| Y9 | 36207 | 7241 | -835 | 598580 | 338170 |
| Y10 | 37112 | 7422 | -256 | 613545 | 363854 |
| Σ 10y | Cumulative net cashflow | -27005 | Equity at exit | 363854 | |
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.