Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in Jewellery Quarter
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
-804
10-yr return
98%
Net cashflow / mo
-804
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
743800 GBP
Down payment (30%)
223140 GBP
Acquisition fees (4.0%)
29752 GBP
Mortgage principal
520660 GBP
Total cash-in at close
252892 GBP
🏦 Financing
Loan amount
520660 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3105 GBP
Annual debt service
37256 GBP
📊 Year-1 operating P&L
Gross rent
+43140
Operating costs (20%)
−8628
Net operating income (NOI)
34512
− Debt service
−37256
− Income tax (20%)
−6902
Net cashflow
-9647 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 43140 | 8628 | -9647 | 762395 | 252163 |
| Y2 | 44219 | 8844 | -8956 | 781455 | 282207 |
| Y3 | 45324 | 9065 | -8249 | 800991 | 313312 |
| Y4 | 46457 | 9292 | -7524 | 821016 | 345522 |
| Y5 | 47619 | 9524 | -6780 | 841541 | 378881 |
| Y6 | 48809 | 9762 | -6018 | 862580 | 413436 |
| Y7 | 50030 | 10006 | -5237 | 884144 | 449238 |
| Y8 | 51280 | 10256 | -4437 | 906248 | 486337 |
| Y9 | 52562 | 10512 | -3617 | 928904 | 524787 |
| Y10 | 53876 | 10775 | -2776 | 952127 | 564645 |
| Σ 10y | Cumulative net cashflow | -63241 | Equity at exit | 564645 | |
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.