Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Boutique residence in Notting Hill
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
-4113
10-yr return
56%
Net cashflow / mo
-4113
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
1915100 GBP
Down payment (30%)
574530 GBP
Acquisition fees (4.0%)
76604 GBP
Mortgage principal
1340570 GBP
Total cash-in at close
651134 GBP
🏦 Financing
Loan amount
1340570 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
7994 GBP
Annual debt service
95926 GBP
📊 Year-1 operating P&L
Gross rent
+72774
Operating costs (20%)
−14555
Net operating income (NOI)
58219
− Debt service
−95926
− Income tax (20%)
−11644
Net cashflow
-49351 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 72774 | 14555 | -49351 | 1962978 | 649258 |
| Y2 | 74593 | 14919 | -48186 | 2012052 | 726613 |
| Y3 | 76458 | 15292 | -46993 | 2062353 | 806700 |
| Y4 | 78369 | 15674 | -45770 | 2113912 | 889632 |
| Y5 | 80329 | 16066 | -44516 | 2166760 | 975524 |
| Y6 | 82337 | 16467 | -43230 | 2220929 | 1064496 |
| Y7 | 84395 | 16879 | -41913 | 2276452 | 1156676 |
| Y8 | 86505 | 17301 | -40563 | 2333363 | 1252197 |
| Y9 | 88668 | 17734 | -39179 | 2391697 | 1351197 |
| Y10 | 90885 | 18177 | -37760 | 2451490 | 1453820 |
| Σ 10y | Cumulative net cashflow | -437461 | Equity at exit | 1453820 | |
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.