Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Family home, Digbeth
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
-214
10-yr return
98%
Net cashflow / mo
-214
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
198200 GBP
Down payment (30%)
59460 GBP
Acquisition fees (4.0%)
7928 GBP
Mortgage principal
138740 GBP
Total cash-in at close
67388 GBP
🏦 Financing
Loan amount
138740 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
827 GBP
Annual debt service
9928 GBP
📊 Year-1 operating P&L
Gross rent
+11496
Operating costs (20%)
−2299
Net operating income (NOI)
9196
− Debt service
−9928
− Income tax (20%)
−1839
Net cashflow
-2571 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 11496 | 2299 | -2571 | 203155 | 67194 |
| Y2 | 11783 | 2357 | -2387 | 208234 | 75200 |
| Y3 | 12078 | 2416 | -2198 | 213440 | 83488 |
| Y4 | 12380 | 2476 | -2005 | 218776 | 92071 |
| Y5 | 12689 | 2538 | -1807 | 224245 | 100960 |
| Y6 | 13006 | 2601 | -1604 | 229851 | 110168 |
| Y7 | 13331 | 2666 | -1396 | 235598 | 119708 |
| Y8 | 13665 | 2733 | -1182 | 241487 | 129594 |
| Y9 | 14006 | 2801 | -964 | 247525 | 139840 |
| Y10 | 14356 | 2871 | -740 | 253713 | 150461 |
| Σ 10y | Cumulative net cashflow | -16852 | Equity at exit | 150461 | |
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.