Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Townhouse in Digbeth · Ref 4978
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
-906
10-yr return
98%
Net cashflow / mo
-906
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
838200 GBP
Down payment (30%)
251460 GBP
Acquisition fees (4.0%)
33528 GBP
Mortgage principal
586740 GBP
Total cash-in at close
284988 GBP
🏦 Financing
Loan amount
586740 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3499 GBP
Annual debt service
41985 GBP
📊 Year-1 operating P&L
Gross rent
+48616
Operating costs (20%)
−9723
Net operating income (NOI)
38892
− Debt service
−41985
− Income tax (20%)
−7779
Net cashflow
-10871 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 48616 | 9723 | -10871 | 859155 | 284167 |
| Y2 | 49831 | 9966 | -10093 | 880634 | 318023 |
| Y3 | 51077 | 10215 | -9296 | 902650 | 353076 |
| Y4 | 52354 | 10471 | -8479 | 925216 | 389374 |
| Y5 | 53663 | 10733 | -7641 | 948346 | 426967 |
| Y6 | 55004 | 11001 | -6782 | 972055 | 465908 |
| Y7 | 56379 | 11276 | -5902 | 996356 | 506254 |
| Y8 | 57789 | 11558 | -5000 | 1021265 | 548061 |
| Y9 | 59233 | 11847 | -4076 | 1046797 | 591391 |
| Y10 | 60714 | 12143 | -3128 | 1072967 | 636307 |
| Σ 10y | Cumulative net cashflow | -71267 | Equity at exit | 636307 | |
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.