Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house in Jewellery 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
4.6%
Cashflow / mo
-946
10-yr return
98%
Net cashflow / mo
-946
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
875300 GBP
Down payment (30%)
262590 GBP
Acquisition fees (4.0%)
35012 GBP
Mortgage principal
612710 GBP
Total cash-in at close
297602 GBP
🏦 Financing
Loan amount
612710 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3654 GBP
Annual debt service
43843 GBP
📊 Year-1 operating P&L
Gross rent
+50767
Operating costs (20%)
−10153
Net operating income (NOI)
40614
− Debt service
−43843
− Income tax (20%)
−8123
Net cashflow
-11352 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 50767 | 10153 | -11352 | 897183 | 296745 |
| Y2 | 52037 | 10407 | -10540 | 919612 | 332100 |
| Y3 | 53338 | 10668 | -9707 | 942602 | 368704 |
| Y4 | 54671 | 10934 | -8854 | 966167 | 406608 |
| Y5 | 56038 | 11208 | -7979 | 990322 | 445865 |
| Y6 | 57439 | 11488 | -7082 | 1015080 | 486530 |
| Y7 | 58875 | 11775 | -6163 | 1040457 | 528661 |
| Y8 | 60346 | 12069 | -5221 | 1066468 | 572319 |
| Y9 | 61855 | 12371 | -4256 | 1093130 | 617567 |
| Y10 | 63402 | 12680 | -3266 | 1120458 | 664471 |
| Σ 10y | Cumulative net cashflow | -74421 | Equity at exit | 664471 | |
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.