Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Townhouse in Spinningfields · Ref 5768
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
-662
10-yr return
107%
Net cashflow / mo
-662
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
763200 GBP
Down payment (30%)
228960 GBP
Acquisition fees (4.0%)
30528 GBP
Mortgage principal
534240 GBP
Total cash-in at close
259488 GBP
🏦 Financing
Loan amount
534240 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3186 GBP
Annual debt service
38228 GBP
📊 Year-1 operating P&L
Gross rent
+47318
Operating costs (20%)
−9464
Net operating income (NOI)
37855
− Debt service
−38228
− Income tax (20%)
−7571
Net cashflow
-7944 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 47318 | 9464 | -7944 | 782280 | 258740 |
| Y2 | 48501 | 9700 | -7187 | 801837 | 289568 |
| Y3 | 49714 | 9943 | -6411 | 821883 | 321484 |
| Y4 | 50957 | 10191 | -5616 | 842430 | 354534 |
| Y5 | 52231 | 10446 | -4801 | 863491 | 388763 |
| Y6 | 53536 | 10707 | -3965 | 885078 | 424220 |
| Y7 | 54875 | 10975 | -3108 | 907205 | 460955 |
| Y8 | 56247 | 11249 | -2230 | 929885 | 499022 |
| Y9 | 57653 | 11531 | -1330 | 953132 | 538475 |
| Y10 | 59094 | 11819 | -408 | 976961 | 579372 |
| Σ 10y | Cumulative net cashflow | -43001 | Equity at exit | 579372 | |
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.