Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house in Edgbaston
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
4.6%
Cashflow / mo
-292
10-yr return
98%
Net cashflow / mo
-292
GBP · after debt service & taxes
Cap rate
4.6%
NOI ÷ asking price
Cash-on-cash
-3.8%
Year-1 cashflow ÷ cash-in
10-yr total return
98%
7.1% annualised
💼 Acquisition
Asking price
270300 GBP
Down payment (30%)
81090 GBP
Acquisition fees (4.0%)
10812 GBP
Mortgage principal
189210 GBP
Total cash-in at close
91902 GBP
🏦 Financing
Loan amount
189210 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
1128 GBP
Annual debt service
13539 GBP
📊 Year-1 operating P&L
Gross rent
+15677
Operating costs (20%)
−3135
Net operating income (NOI)
12542
− Debt service
−13539
− Income tax (20%)
−2508
Net cashflow
-3506 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 15677 | 3135 | -3506 | 277058 | 91637 |
| Y2 | 16069 | 3214 | -3255 | 283984 | 102555 |
| Y3 | 16471 | 3294 | -2998 | 291084 | 113859 |
| Y4 | 16883 | 3377 | -2734 | 298361 | 125564 |
| Y5 | 17305 | 3461 | -2464 | 305820 | 137687 |
| Y6 | 17738 | 3548 | -2187 | 313465 | 150245 |
| Y7 | 18181 | 3636 | -1903 | 321302 | 163255 |
| Y8 | 18636 | 3727 | -1612 | 329334 | 176737 |
| Y9 | 19101 | 3820 | -1314 | 337568 | 190710 |
| Y10 | 19579 | 3916 | -1009 | 346007 | 205194 |
| Σ 10y | Cumulative net cashflow | -22982 | Equity at exit | 205194 | |
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.