Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Mixed-use building 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
-726
10-yr return
98%
Net cashflow / mo
-726
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
671300 GBP
Down payment (30%)
201390 GBP
Acquisition fees (4.0%)
26852 GBP
Mortgage principal
469910 GBP
Total cash-in at close
228242 GBP
🏦 Financing
Loan amount
469910 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
2802 GBP
Annual debt service
33625 GBP
📊 Year-1 operating P&L
Gross rent
+38935
Operating costs (20%)
−7787
Net operating income (NOI)
31148
− Debt service
−33625
− Income tax (20%)
−6230
Net cashflow
-8706 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 38935 | 7787 | -8706 | 688083 | 227584 |
| Y2 | 39909 | 7982 | -8083 | 705285 | 254700 |
| Y3 | 40907 | 8181 | -7445 | 722917 | 282773 |
| Y4 | 41929 | 8386 | -6790 | 740990 | 311843 |
| Y5 | 42977 | 8595 | -6119 | 759514 | 341950 |
| Y6 | 44052 | 8810 | -5432 | 778502 | 373138 |
| Y7 | 45153 | 9031 | -4727 | 797965 | 405450 |
| Y8 | 46282 | 9256 | -4005 | 817914 | 438933 |
| Y9 | 47439 | 9488 | -3264 | 838362 | 473635 |
| Y10 | 48625 | 9725 | -2505 | 859321 | 509608 |
| Σ 10y | Cumulative net cashflow | -57076 | Equity at exit | 509608 | |
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.