Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Family home, 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
-1001
10-yr return
98%
Net cashflow / mo
-1001
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
926600 GBP
Down payment (30%)
277980 GBP
Acquisition fees (4.0%)
37064 GBP
Mortgage principal
648620 GBP
Total cash-in at close
315044 GBP
🏦 Financing
Loan amount
648620 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3868 GBP
Annual debt service
46413 GBP
📊 Year-1 operating P&L
Gross rent
+53743
Operating costs (20%)
−10749
Net operating income (NOI)
42994
− Debt service
−46413
− Income tax (20%)
−8599
Net cashflow
-12017 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 53743 | 10749 | -12017 | 949765 | 314136 |
| Y2 | 55086 | 11017 | -11157 | 973509 | 351564 |
| Y3 | 56464 | 11293 | -10276 | 997847 | 390313 |
| Y4 | 57875 | 11575 | -9373 | 1022793 | 430439 |
| Y5 | 59322 | 11864 | -8447 | 1048363 | 471996 |
| Y6 | 60805 | 12161 | -7498 | 1074572 | 515045 |
| Y7 | 62325 | 12465 | -6525 | 1101436 | 559645 |
| Y8 | 63883 | 12777 | -5527 | 1128972 | 605862 |
| Y9 | 65480 | 13096 | -4505 | 1157196 | 653762 |
| Y10 | 67117 | 13423 | -3458 | 1186126 | 703415 |
| Σ 10y | Cumulative net cashflow | -78783 | Equity at exit | 703415 | |
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.