Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
High-street commercial unit, Kensington
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
-8421
10-yr return
56%
Net cashflow / mo
-8421
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
3921400 GBP
Down payment (30%)
1176420 GBP
Acquisition fees (4.0%)
156856 GBP
Mortgage principal
2744980 GBP
Total cash-in at close
1333276 GBP
🏦 Financing
Loan amount
2744980 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
16368 GBP
Annual debt service
196420 GBP
📊 Year-1 operating P&L
Gross rent
+149013
Operating costs (20%)
−29803
Net operating income (NOI)
119211
− Debt service
−196420
− Income tax (20%)
−23842
Net cashflow
-101052 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 149013 | 29803 | -101052 | 4019435 | 1329434 |
| Y2 | 152739 | 30548 | -98668 | 4119921 | 1487828 |
| Y3 | 156557 | 31311 | -96224 | 4222919 | 1651817 |
| Y4 | 160471 | 32094 | -93719 | 4328492 | 1821630 |
| Y5 | 164483 | 32897 | -91151 | 4436704 | 1997503 |
| Y6 | 168595 | 33719 | -88520 | 4547622 | 2179685 |
| Y7 | 172810 | 34562 | -85822 | 4661312 | 2368435 |
| Y8 | 177130 | 35426 | -83057 | 4777845 | 2564025 |
| Y9 | 181558 | 36312 | -80223 | 4897291 | 2766739 |
| Y10 | 186097 | 37219 | -77318 | 5019724 | 2976874 |
| Σ 10y | Cumulative net cashflow | -895754 | Equity at exit | 2976874 | |
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.