Every cost, compounded, for the whole hold period
A full appraisal, not a rule of thumb. Adjust any input — every chart updates instantly.
Scenario projection
Return on invested cash, by year
What your invested cash has returned by each year, including the value you would realise on sale.
- Monthly mortgage payment
- £2,814
- Gross yield
- 8.11%
- Net yield after leakage
- 6.00%
- Rent surpasses interest
- Year 1
- Return on cash at year 15
- 234.27%
- Entry costs recovered
- Year 2
- Net proceeds if sold at year 15
- £635,945
Investment metrics
Income and discounted returns
Three ways of asking the same question — does this deal earn enough for the money you put in?
£33,000
Rent £44,595 − costs £8,250 − void allowance £3,345
Covers 98% of the annual mortgage payment
+£3,645
At your 8% target return. Positive means the deal beats that target; negative means it falls short.
Beats target by 1.9% of cash invested
8.13%
versus your 8% target
+0.13 pts above target
For context: UK commercial property has historically returned roughly 6–9% a year total (indicative).
Financing metrics
70% · £385,000 loan
On a £550,000 purchase
1.39×
Year 1 NOI ÷ interest
0.98×
Year 1 NOI ÷ mortgage payment
3.3×
Over 15 years, including sale
Cash-on-cash return by deposit level
How much you put down decides whether this deal pays you annually — or costs you to hold.
At 30% deposit you would need to add £769 per year to hold this asset.
Cumulative wealth position
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