LA11 Grange-over-Sands, Allithwaite cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £308,062
Input Equity (£77,016)
Total Input Equity (£77,016)
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 £308,062 £308,062 £308,062 £308,062 £308,062 £308,062 £308,062 £308,062 £308,062 £308,062 £308,062 £308,062
Finance Amount £231,047 £231,047 £224,144 £216,889 £209,263 £201,246 £192,820 £183,962 £174,651 £164,863 £154,575 £143,761
Monthly Mortgage   (£1,525) (£1,525) (£1,525) (£1,525) (£1,525) (£1,525) (£1,525) (£1,525) (£1,525) (£1,525) (£1,525)
Monthly Rental   £1,597 £1,597 £1,597 £1,597 £1,597 £1,597 £1,597 £1,597 £1,597 £1,597 £1,597
Yield to Purchase Price %   6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22%
Yield to Property Value %   6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22% 6.22%
Gross Monthly Cashflow   £72 £72 £72 £72 £72 £72 £72 £72 £72 £72 £72
Gross Annual Cashflow   £867 £867 £867 £867 £867 £867 £867 £867 £867 £867 £867
Gross Annual Expenses                        
Annual Management Expenses   (£1,073) (£1,073) (£1,073) (£1,073) (£1,073) (£1,073) (£1,073) (£1,073) (£1,073) (£1,073) (£1,073)
Gross Annual Cashflow less Expenses   (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92)
Vacancy Expenses                        
Net Annual Cashflow   (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92)
Taxable Income   £867 £867 £867 £867 £867 £867 £867 £867 £867 £867 £867
Tax Payable                        
Net Annual Cashflow Less Tax   (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92) (£92)
Net Yield %   (0.03%) (0.03%) (0.03%) (0.03%) (0.03%) (0.03%) (0.03%) (0.03%) (0.03%) (0.03%) (0.03%)
Debt Coverage Ratio (1:x)   0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99
Personal Equity £77,016 £77,016 £83,918 £91,173 £98,799 £106,816 £115,242 £124,100 £133,411 £143,199 £153,487 £164,301
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   (£207) £6,695 £13,951 £21,577 £29,594 £38,020 £46,878 £56,189 £65,977 £76,265 £87,079
Return on Investment %   (0.27%) 8.69% 18.11% 28.02% 38.43% 49.37% 60.87% 72.96% 85.67% 99.03% 113.07%
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   (£207) £6,562 £13,398 £20,308 £27,296 £34,367 £41,527 £48,779 £56,130 £63,586 £71,150
Real Return on Investment %   (0.27%) 8.52% 17.40% 26.37% 35.44% 44.62% 53.92% 63.34% 72.88% 82.56% 92.38%