Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Family home, Spinningfields
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
5.0%
Cashflow / mo
-145
10-yr return
107%
Net cashflow / mo
-145
GBP · after debt service & taxes
Cap rate
5.0%
NOI ÷ asking price
Cash-on-cash
-3.1%
Year-1 cashflow ÷ cash-in
10-yr total return
107%
7.5% annualised
💼 Acquisition
Asking price
167100 GBP
Down payment (30%)
50130 GBP
Acquisition fees (4.0%)
6684 GBP
Mortgage principal
116970 GBP
Total cash-in at close
56814 GBP
🏦 Financing
Loan amount
116970 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
697 GBP
Annual debt service
8370 GBP
📊 Year-1 operating P&L
Gross rent
+10360
Operating costs (20%)
−2072
Net operating income (NOI)
8288
− Debt service
−8370
− Income tax (20%)
−1658
Net cashflow
-1739 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 10360 | 2072 | -1739 | 171278 | 56650 |
| Y2 | 10619 | 2124 | -1574 | 175559 | 63400 |
| Y3 | 10885 | 2177 | -1404 | 179948 | 70388 |
| Y4 | 11157 | 2231 | -1230 | 184447 | 77624 |
| Y5 | 11436 | 2287 | -1051 | 189058 | 85118 |
| Y6 | 11722 | 2344 | -868 | 193785 | 92881 |
| Y7 | 12015 | 2403 | -681 | 198629 | 100925 |
| Y8 | 12315 | 2463 | -488 | 203595 | 109259 |
| Y9 | 12623 | 2525 | -291 | 208685 | 117897 |
| Y10 | 12938 | 2588 | -89 | 213902 | 126852 |
| Σ 10y | Cumulative net cashflow | -9415 | Equity at exit | 126852 | |
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.