Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
High-street commercial unit, 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
-3924
10-yr return
56%
Net cashflow / mo
-3924
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
1827500 GBP
Down payment (30%)
548250 GBP
Acquisition fees (4.0%)
73100 GBP
Mortgage principal
1279250 GBP
Total cash-in at close
621350 GBP
🏦 Financing
Loan amount
1279250 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
7628 GBP
Annual debt service
91538 GBP
📊 Year-1 operating P&L
Gross rent
+69445
Operating costs (20%)
−13889
Net operating income (NOI)
55556
− Debt service
−91538
− Income tax (20%)
−11111
Net cashflow
-47093 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 69445 | 13889 | -47093 | 1873188 | 619560 |
| Y2 | 71181 | 14236 | -45982 | 1920017 | 693376 |
| Y3 | 72961 | 14592 | -44843 | 1968018 | 769801 |
| Y4 | 74785 | 14957 | -43676 | 2017218 | 848939 |
| Y5 | 76654 | 15331 | -42480 | 2067649 | 930901 |
| Y6 | 78571 | 15714 | -41253 | 2119340 | 1015804 |
| Y7 | 80535 | 16107 | -39996 | 2172323 | 1103768 |
| Y8 | 82548 | 16510 | -38707 | 2226631 | 1194919 |
| Y9 | 84612 | 16922 | -37387 | 2282297 | 1289391 |
| Y10 | 86727 | 17345 | -36033 | 2339355 | 1387320 |
| Σ 10y | Cumulative net cashflow | -417450 | Equity at exit | 1387320 | |
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.