Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Family home, Canary Wharf
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
3.0%
Cashflow / mo
-6169
10-yr return
56%
Net cashflow / mo
-6169
GBP · after debt service & taxes
Cap rate
3.0%
NOI ÷ asking price
Cash-on-cash
-7.6%
Year-1 cashflow ÷ cash-in
10-yr total return
56%
4.6% annualised
💼 Acquisition
Asking price
2872700 GBP
Down payment (30%)
861810 GBP
Acquisition fees (4.0%)
114908 GBP
Mortgage principal
2010890 GBP
Total cash-in at close
976718 GBP
🏦 Financing
Loan amount
2010890 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
11991 GBP
Annual debt service
143892 GBP
📊 Year-1 operating P&L
Gross rent
+109163
Operating costs (20%)
−21833
Net operating income (NOI)
87330
− Debt service
−143892
− Income tax (20%)
−17466
Net cashflow
-74028 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 109163 | 21833 | -74028 | 2944518 | 973904 |
| Y2 | 111892 | 22378 | -72281 | 3018130 | 1089938 |
| Y3 | 114689 | 22938 | -70491 | 3093584 | 1210072 |
| Y4 | 117556 | 23511 | -68656 | 3170923 | 1334471 |
| Y5 | 120495 | 24099 | -66775 | 3250196 | 1463311 |
| Y6 | 123507 | 24701 | -64847 | 3331451 | 1596772 |
| Y7 | 126595 | 25319 | -62871 | 3414738 | 1735045 |
| Y8 | 129760 | 25952 | -60845 | 3500106 | 1878328 |
| Y9 | 133004 | 26601 | -58769 | 3587609 | 2026830 |
| Y10 | 136329 | 27266 | -56641 | 3677299 | 2180768 |
| Σ 10y | Cumulative net cashflow | -656202 | Equity at exit | 2180768 | |
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.