Country-aware · Mortgage · Taxes · Cashflow · Appreciation
Underwrite the deal on
Underwrite the deal on
Period house in Spinningfields · Ref 1990
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
-767
10-yr return
107%
Net cashflow / mo
-767
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
884700 GBP
Down payment (30%)
265410 GBP
Acquisition fees (4.0%)
35388 GBP
Mortgage principal
619290 GBP
Total cash-in at close
300798 GBP
🏦 Financing
Loan amount
619290 GBP
Mortgage rate
5.20%
Term
25 years
Monthly payment
3693 GBP
Annual debt service
44314 GBP
📊 Year-1 operating P&L
Gross rent
+54851
Operating costs (20%)
−10970
Net operating income (NOI)
43881
− Debt service
−44314
− Income tax (20%)
−8776
Net cashflow
-9209 GBP
📈 10-year projection
2.5% capital appreciation /yr| Year | Gross rent | Opex | Net cashflow | Property value | Equity |
|---|---|---|---|---|---|
| Y1 | 54851 | 10970 | -9209 | 906818 | 299931 |
| Y2 | 56223 | 11245 | -8332 | 929488 | 335666 |
| Y3 | 57628 | 11526 | -7432 | 952725 | 372664 |
| Y4 | 59069 | 11814 | -6510 | 976543 | 410975 |
| Y5 | 60546 | 12109 | -5565 | 1000957 | 450653 |
| Y6 | 62059 | 12412 | -4596 | 1025981 | 491755 |
| Y7 | 63611 | 12722 | -3603 | 1051630 | 534338 |
| Y8 | 65201 | 13040 | -2585 | 1077921 | 578465 |
| Y9 | 66831 | 13366 | -1542 | 1104869 | 624199 |
| Y10 | 68502 | 13700 | -473 | 1132491 | 671607 |
| Σ 10y | Cumulative net cashflow | -49847 | Equity at exit | 671607 | |
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.