Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house in Northern Quarter
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
-624
10-yr return
107%
Net cashflow / mo
-624
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
718800 GBP
Down payment (30%)
215640 GBP
Acquisition fees (4.0%)
28752 GBP
Mortgage principal
503160 GBP
Total cash-in at close
244392 GBP
🏦 Financing
Loan amount
503160 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3000 GBP
Annual debt service
36004 GBP
📊 Year-1 operating P&L
Gross rent
+44566
Operating costs (20%)
−8913
Net operating income (NOI)
35652
− Debt service
−36004
− Income tax (20%)
−7131
Net cashflow
-7482 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 44566 | 8913 | -7482 | 736770 | 243688 |
| Y2 | 45680 | 9136 | -6769 | 755189 | 272722 |
| Y3 | 46822 | 9364 | -6038 | 774069 | 302781 |
| Y4 | 47992 | 9598 | -5289 | 793421 | 333908 |
| Y5 | 49192 | 9838 | -4521 | 813256 | 366146 |
| Y6 | 50422 | 10084 | -3734 | 833588 | 399540 |
| Y7 | 51682 | 10336 | -2927 | 854427 | 434139 |
| Y8 | 52974 | 10595 | -2101 | 875788 | 469991 |
| Y9 | 54299 | 10860 | -1253 | 897683 | 507149 |
| Y10 | 55656 | 11131 | -384 | 920125 | 545667 |
| Σ 10y | Cumulative net cashflow | -40499 | Equity at exit | 545667 | |
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.