Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house in Shoreditch
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
-1914
10-yr return
56%
Net cashflow / mo
-1914
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
891500 GBP
Down payment (30%)
267450 GBP
Acquisition fees (4.0%)
35660 GBP
Mortgage principal
624050 GBP
Total cash-in at close
303110 GBP
🏦 Financing
Loan amount
624050 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3721 GBP
Annual debt service
44655 GBP
📊 Year-1 operating P&L
Gross rent
+33877
Operating costs (20%)
−6775
Net operating income (NOI)
27102
− Debt service
−44655
− Income tax (20%)
−5420
Net cashflow
-22973 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 33877 | 6775 | -22973 | 913788 | 302237 |
| Y2 | 34724 | 6945 | -22431 | 936632 | 338246 |
| Y3 | 35592 | 7118 | -21876 | 960048 | 375528 |
| Y4 | 36482 | 7296 | -21306 | 984049 | 414133 |
| Y5 | 37394 | 7479 | -20723 | 1008650 | 454117 |
| Y6 | 38329 | 7666 | -20124 | 1033867 | 495535 |
| Y7 | 39287 | 7857 | -19511 | 1059713 | 538446 |
| Y8 | 40269 | 8054 | -18882 | 1086206 | 582911 |
| Y9 | 41276 | 8255 | -18238 | 1113361 | 628997 |
| Y10 | 42308 | 8462 | -17578 | 1141195 | 676769 |
| Σ 10y | Cumulative net cashflow | -203643 | Equity at exit | 676769 | |
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.