Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Townhouse in Spinningfields
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
5.0%
Cashflow / mo
-212
10-yr return
107%
Net cashflow / mo
-212
GBP · after debt service & taxes
Cap rate
5.0%
NOI ÷ asking price
Cash-on-cash
-3.1%
Year-1 cashflow ÷ cash-in
10-yr total return
107%
7.5% annualised
💼 Acquisition
Asking price
244100 GBP
Down payment (30%)
73230 GBP
Acquisition fees (4.0%)
9764 GBP
Mortgage principal
170870 GBP
Total cash-in at close
82994 GBP
🏦 Financing
Loan amount
170870 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
1019 GBP
Annual debt service
12227 GBP
📊 Year-1 operating P&L
Gross rent
+15134
Operating costs (20%)
−3027
Net operating income (NOI)
12107
− Debt service
−12227
− Income tax (20%)
−2421
Net cashflow
-2541 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 15134 | 3027 | -2541 | 250203 | 82755 |
| Y2 | 15513 | 3103 | -2299 | 256458 | 92615 |
| Y3 | 15900 | 3180 | -2051 | 262869 | 102823 |
| Y4 | 16298 | 3260 | -1796 | 269441 | 113393 |
| Y5 | 16705 | 3341 | -1535 | 276177 | 124341 |
| Y6 | 17123 | 3425 | -1268 | 283081 | 135681 |
| Y7 | 17551 | 3510 | -994 | 290158 | 147431 |
| Y8 | 17990 | 3598 | -713 | 297412 | 159606 |
| Y9 | 18440 | 3688 | -425 | 304847 | 172224 |
| Y10 | 18901 | 3780 | -130 | 312469 | 185305 |
| Σ 10y | Cumulative net cashflow | -13753 | Equity at exit | 185305 | |
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.