Analyse a deal
Every cost, compounded, for the whole hold period
A full appraisal, not a rule of thumb.
Interest rate paths and mortgage amortisation, compound growth on rent and capital, service charges and repairs, plus a probability-weighted void allowance for the months a unit sits unleased. Compare a long-term hold with sale timing and income-led revaluation.
- Interest rate and refinancing scenarios
- Compound rental and capital growth
- Operational costs and dilapidations
- Void risk weighted by asset type
Scenario projection
Hold or plan an exit
£668,925£501,694£334,463£167,231£0
Yr 1Yr 3Yr 5Yr 7Yr 9Yr 11Yr 13Yr 15
Cumulative net equityRent receivedInterest paid
- Monthly mortgage payment
- £2,814
- Gross yield
- 8.11%
- Net yield after leakage
- 6.00%
- Rent surpasses interest
- Year 1
- Total return at year 15
- £475,343
- Net proceeds if sold at year 15
- £635,945
Investment metrics
Income and discounted returns
NOI — year 1
£33,000
6.00% NOI yield on purchase price
Net present value
£3,645
At a 8% discount rate, including exit
Internal rate of return
8.13%
Full levered cash flow over the hold
Annual cash flow after mortgage payments
Cash positiveCash negative
Cumulative wealth position
£640,343£480,257£320,171£160,086£0
Yr 1Yr 3Yr 5Yr 7Yr 9Yr 11Yr 13Yr 15
Equity plus accumulated cash flow
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