Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in Canary Wharf
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
3.0%
Cashflow / mo
-3813
10-yr return
56%
Net cashflow / mo
-3813
GBP · after debt service & taxes
Cap rate
3.0%
NOI ÷ asking price
Cash-on-cash
-7.6%
Year-1 cashflow ÷ cash-in
10-yr total return
56%
4.6% annualised
💼 Acquisition
Asking price
1775700 GBP
Down payment (30%)
532710 GBP
Acquisition fees (4.0%)
71028 GBP
Mortgage principal
1242990 GBP
Total cash-in at close
603738 GBP
🏦 Financing
Loan amount
1242990 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
7412 GBP
Annual debt service
88944 GBP
📊 Year-1 operating P&L
Gross rent
+67477
Operating costs (20%)
−13495
Net operating income (NOI)
53981
− Debt service
−88944
− Income tax (20%)
−10796
Net cashflow
-45759 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 67477 | 13495 | -45759 | 1820093 | 601998 |
| Y2 | 69164 | 13833 | -44679 | 1865595 | 673723 |
| Y3 | 70893 | 14179 | -43572 | 1912235 | 747981 |
| Y4 | 72665 | 14533 | -42438 | 1960041 | 824876 |
| Y5 | 74482 | 14896 | -41275 | 2009042 | 904515 |
| Y6 | 76344 | 15269 | -40084 | 2059268 | 987011 |
| Y7 | 78252 | 15650 | -38862 | 2110749 | 1072482 |
| Y8 | 80208 | 16042 | -37610 | 2163518 | 1161050 |
| Y9 | 82214 | 16443 | -36327 | 2217606 | 1252843 |
| Y10 | 84269 | 16854 | -35011 | 2273046 | 1347997 |
| Σ 10y | Cumulative net cashflow | -405618 | Equity at exit | 1347997 | |
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.