Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Townhouse in Edgbaston · Ref 7622
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
4.6%
Cashflow / mo
-1010
10-yr return
98%
Net cashflow / mo
-1010
GBP · after debt service & taxes
Cap rate
4.6%
NOI ÷ asking price
Cash-on-cash
-3.8%
Year-1 cashflow ÷ cash-in
10-yr total return
98%
7.1% annualised
💼 Acquisition
Asking price
934900 GBP
Down payment (30%)
280470 GBP
Acquisition fees (4.0%)
37396 GBP
Mortgage principal
654430 GBP
Total cash-in at close
317866 GBP
🏦 Financing
Loan amount
654430 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3902 GBP
Annual debt service
46829 GBP
📊 Year-1 operating P&L
Gross rent
+54224
Operating costs (20%)
−10845
Net operating income (NOI)
43379
− Debt service
−46829
− Income tax (20%)
−8676
Net cashflow
-12125 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 54224 | 10845 | -12125 | 958273 | 316950 |
| Y2 | 55580 | 11116 | -11257 | 982229 | 354713 |
| Y3 | 56969 | 11394 | -10368 | 1006785 | 393809 |
| Y4 | 58394 | 11679 | -9457 | 1031955 | 434294 |
| Y5 | 59853 | 11971 | -8522 | 1057754 | 476224 |
| Y6 | 61350 | 12270 | -7565 | 1084197 | 519658 |
| Y7 | 62883 | 12577 | -6583 | 1111302 | 564658 |
| Y8 | 64456 | 12891 | -5577 | 1139085 | 611289 |
| Y9 | 66067 | 13213 | -4546 | 1167562 | 659618 |
| Y10 | 67719 | 13544 | -3489 | 1196751 | 709716 |
| Σ 10y | Cumulative net cashflow | -79489 | Equity at exit | 709716 | |
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.