LA1 Lancaster, Aldcliffe, Bailrigg cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £195,658
Input Equity (£48,915)
Total Input Equity (£48,915)
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 £195,658 £195,658 £195,658 £195,658 £195,658 £195,658 £195,658 £195,658 £195,658 £195,658 £195,658 £195,658
Finance Amount £146,744 £146,744 £142,360 £137,752 £132,908 £127,817 £122,465 £116,839 £110,925 £104,709 £98,175 £91,306
Monthly Mortgage   (£968) (£968) (£968) (£968) (£968) (£968) (£968) (£968) (£968) (£968) (£968)
Monthly Rental   £516 £516 £516 £516 £516 £516 £516 £516 £516 £516 £516
Yield to Purchase Price %   3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17%
Yield to Property Value %   3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17%
Gross Monthly Cashflow   (£452) (£452) (£452) (£452) (£452) (£452) (£452) (£452) (£452) (£452) (£452)
Gross Annual Cashflow   (£5,427) (£5,427) (£5,427) (£5,427) (£5,427) (£5,427) (£5,427) (£5,427) (£5,427) (£5,427) (£5,427)
Gross Annual Expenses                        
Annual Management Expenses   (£347) (£347) (£347) (£347) (£347) (£347) (£347) (£347) (£347) (£347) (£347)
Gross Annual Cashflow less Expenses   (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736)
Vacancy Expenses                        
Net Annual Cashflow   (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736)
Net Yield %   (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%)
Debt Coverage Ratio (1:x)   0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51
Personal Equity £48,915 £48,915 £53,298 £57,906 £62,750 £67,841 £73,193 £78,819 £84,733 £90,949 £97,483 £104,352
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   (£5,773) (£1,390) £3,218 £8,062 £13,153 £18,505 £24,131 £30,045 £36,261 £42,795 £49,664
Return on Investment %   (11.80%) (2.84%) 6.58% 16.48% 26.89% 37.83% 49.33% 61.42% 74.13% 87.49% 101.53%
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   (£5,773) (£1,362) £3,091 £7,588 £12,132 £16,727 £21,377 £26,083 £30,850 £35,681 £40,579
Real Return on Investment %   (11.80%) (2.78%) 6.32% 15.51% 24.80% 34.20% 43.70% 53.32% 63.07% 72.94% 82.96%