Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house in Spinningfields
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
-241
10-yr return
107%
Net cashflow / mo
-241
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
278300 GBP
Down payment (30%)
83490 GBP
Acquisition fees (4.0%)
11132 GBP
Mortgage principal
194810 GBP
Total cash-in at close
94622 GBP
🏦 Financing
Loan amount
194810 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
1162 GBP
Annual debt service
13940 GBP
📊 Year-1 operating P&L
Gross rent
+17255
Operating costs (20%)
−3451
Net operating income (NOI)
13804
− Debt service
−13940
− Income tax (20%)
−2761
Net cashflow
-2897 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 17255 | 3451 | -2897 | 285258 | 94349 |
| Y2 | 17686 | 3537 | -2621 | 292389 | 105590 |
| Y3 | 18128 | 3626 | -2338 | 299699 | 117229 |
| Y4 | 18581 | 3716 | -2048 | 307191 | 129280 |
| Y5 | 19046 | 3809 | -1751 | 314871 | 141762 |
| Y6 | 19522 | 3904 | -1446 | 322743 | 154691 |
| Y7 | 20010 | 4002 | -1133 | 330811 | 168087 |
| Y8 | 20510 | 4102 | -813 | 339082 | 181968 |
| Y9 | 21023 | 4205 | -485 | 347559 | 196354 |
| Y10 | 21549 | 4310 | -149 | 356248 | 211267 |
| Σ 10y | Cumulative net cashflow | -15680 | Equity at exit | 211267 | |
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.