BT46 Maghera, Lisnamuck, Swatragh, Upperlands cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £230,000
Input Equity (£57,500)
Input Equity FX (£57,500)
Total Input Equity (£57,500)
Total Input Equity FX (£57,500)
Item On Purchase On Completion Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Property Price/Value £230,000 £230,000 £230,000 £230,000 £230,000 £230,000 £230,000 £230,000 £230,000 £230,000 £230,000 £230,000
Finance Amount £172,500 £172,500 £167,347 £161,930 £156,236 £150,251 £143,960 £137,346 £130,395 £123,087 £115,406 £107,332
Monthly Mortgage   (£1,138) (£1,138) (£1,138) (£1,138) (£1,138) (£1,138) (£1,138) (£1,138) (£1,138) (£1,138) (£1,138)
Monthly Rental   £597 £597 £597 £597 £597 £597 £597 £597 £597 £597 £597
Yield to Purchase Price %   3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11%
Yield to Property Value %   3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11% 3.11%
Gross Monthly Cashflow   (£541) (£541) (£541) (£541) (£541) (£541) (£541) (£541) (£541) (£541) (£541)
Gross Annual Cashflow   (£6,497) (£6,497) (£6,497) (£6,497) (£6,497) (£6,497) (£6,497) (£6,497) (£6,497) (£6,497) (£6,497)
Gross Annual Expenses                        
Annual Management Expenses   (£401) (£401) (£401) (£401) (£401) (£401) (£401) (£401) (£401) (£401) (£401)
Gross Annual Cashflow less Expenses   (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856)
Vacancy Expenses                        
Net Annual Cashflow   (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856) (£6,856)
Net Yield %   (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%) (2.98%)
Debt Coverage Ratio (1:x)   0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50 0.50
Personal Equity £57,500 £57,500 £62,653 £68,070 £73,764 £79,749 £86,040 £92,654 £99,605 £106,913 £114,594 £122,668
Effective Gearing % 75.00% 75.00% 72.76% 70.40% 67.93% 65.33% 62.59% 59.72% 56.69% 53.52% 50.18% 46.67%
Potential Profit   (£6,898) (£1,745) £3,671 £9,365 £15,350 £21,642 £28,255 £35,207 £42,514 £50,195 £58,269
Return on Investment %   (12.00%) (3.04%) 6.39% 16.29% 26.70% 37.64% 49.14% 61.23% 73.94% 87.30% 101.34%
Cumulative Inflation Rate %     2.00% 4.04% 6.12% 8.24% 10.41% 12.62% 14.87% 17.17% 19.51% 21.90%
Real Potential Profit   (£6,898) (£1,710) £3,526 £8,815 £14,159 £19,563 £25,030 £30,564 £36,169 £41,850 £47,610
Real Return on Investment %   (12.00%) (2.97%) 6.13% 15.33% 24.62% 34.02% 43.53% 53.15% 62.90% 72.78% 82.80%