Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Townhouse in Edgbaston
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
4.6%
Cashflow / mo
-679
10-yr return
98%
Net cashflow / mo
-679
GBP · after debt service & taxes
Cap rate
4.6%
NOI ÷ asking price
Cash-on-cash
-3.8%
Year-1 cashflow ÷ cash-in
10-yr total return
98%
7.1% annualised
💼 Acquisition
Asking price
628200 GBP
Down payment (30%)
188460 GBP
Acquisition fees (4.0%)
25128 GBP
Mortgage principal
439740 GBP
Total cash-in at close
213588 GBP
🏦 Financing
Loan amount
439740 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
2622 GBP
Annual debt service
31466 GBP
📊 Year-1 operating P&L
Gross rent
+36436
Operating costs (20%)
−7287
Net operating income (NOI)
29148
− Debt service
−31466
− Income tax (20%)
−5830
Net cashflow
-8147 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 36436 | 7287 | -8147 | 643905 | 212973 |
| Y2 | 37346 | 7469 | -7564 | 660003 | 238347 |
| Y3 | 38280 | 7656 | -6967 | 676503 | 264618 |
| Y4 | 39237 | 7847 | -6354 | 693415 | 291821 |
| Y5 | 40218 | 8044 | -5727 | 710751 | 319996 |
| Y6 | 41224 | 8245 | -5083 | 728519 | 349181 |
| Y7 | 42254 | 8451 | -4423 | 746732 | 379418 |
| Y8 | 43310 | 8662 | -3747 | 765401 | 410751 |
| Y9 | 44393 | 8879 | -3054 | 784536 | 443226 |
| Y10 | 45503 | 9101 | -2344 | 804149 | 476889 |
| Σ 10y | Cumulative net cashflow | -53412 | Equity at exit | 476889 | |
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.