Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Townhouse in 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
-6073
10-yr return
56%
Net cashflow / mo
-6073
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
2828200 GBP
Down payment (30%)
848460 GBP
Acquisition fees (4.0%)
113128 GBP
Mortgage principal
1979740 GBP
Total cash-in at close
961588 GBP
🏦 Financing
Loan amount
1979740 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
11805 GBP
Annual debt service
141663 GBP
📊 Year-1 operating P&L
Gross rent
+107472
Operating costs (20%)
−21494
Net operating income (NOI)
85977
− Debt service
−141663
− Income tax (20%)
−17195
Net cashflow
-72881 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 107472 | 21494 | -72881 | 2898905 | 958817 |
| Y2 | 110158 | 22032 | -71161 | 2971378 | 1073054 |
| Y3 | 112912 | 22582 | -69399 | 3045662 | 1191327 |
| Y4 | 115735 | 23147 | -67592 | 3121804 | 1313800 |
| Y5 | 118629 | 23726 | -65740 | 3199849 | 1440643 |
| Y6 | 121594 | 24319 | -63842 | 3279845 | 1572037 |
| Y7 | 124634 | 24927 | -61897 | 3361841 | 1708168 |
| Y8 | 127750 | 25550 | -59903 | 3445887 | 1849232 |
| Y9 | 130944 | 26189 | -57859 | 3532034 | 1995433 |
| Y10 | 134217 | 26843 | -55764 | 3620335 | 2146987 |
| Σ 10y | Cumulative net cashflow | -646037 | Equity at exit | 2146987 | |
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.