Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
3-bed apartment, 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
-293
10-yr return
107%
Net cashflow / mo
-293
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
338300 GBP
Down payment (30%)
101490 GBP
Acquisition fees (4.0%)
13532 GBP
Mortgage principal
236810 GBP
Total cash-in at close
115022 GBP
🏦 Financing
Loan amount
236810 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
1412 GBP
Annual debt service
16945 GBP
📊 Year-1 operating P&L
Gross rent
+20975
Operating costs (20%)
−4195
Net operating income (NOI)
16780
− Debt service
−16945
− Income tax (20%)
−3356
Net cashflow
-3521 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 20975 | 4195 | -3521 | 346758 | 114691 |
| Y2 | 21499 | 4300 | -3186 | 355426 | 128355 |
| Y3 | 22036 | 4407 | -2842 | 364312 | 142503 |
| Y4 | 22587 | 4517 | -2489 | 373420 | 157152 |
| Y5 | 23152 | 4630 | -2128 | 382755 | 172325 |
| Y6 | 23731 | 4746 | -1757 | 392324 | 188042 |
| Y7 | 24324 | 4865 | -1378 | 402132 | 204325 |
| Y8 | 24932 | 4986 | -989 | 412186 | 221199 |
| Y9 | 25556 | 5111 | -590 | 422490 | 238687 |
| Y10 | 26194 | 5239 | -181 | 433053 | 256816 |
| Σ 10y | Cumulative net cashflow | -19061 | Equity at exit | 256816 | |
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.