LA19 Millom, Waberthwaite, Bootle cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £377,401
Input Equity (£94,350)
Total Input Equity (£94,350)
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 £377,401 £377,401 £377,401 £377,401 £377,401 £377,401 £377,401 £377,401 £377,401 £377,401 £377,401 £377,401
Finance Amount £283,051 £283,051 £274,595 £265,707 £256,364 £246,543 £236,220 £225,368 £213,961 £201,971 £189,367 £176,118
Monthly Mortgage   (£1,868) (£1,868) (£1,868) (£1,868) (£1,868) (£1,868) (£1,868) (£1,868) (£1,868) (£1,868) (£1,868)
Monthly Rental   £721 £721 £721 £721 £721 £721 £721 £721 £721 £721 £721
Yield to Purchase Price %   2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29%
Yield to Property Value %   2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29% 2.29%
Gross Monthly Cashflow   (£1,147) (£1,147) (£1,147) (£1,147) (£1,147) (£1,147) (£1,147) (£1,147) (£1,147) (£1,147) (£1,147)
Gross Annual Cashflow   (£13,762) (£13,762) (£13,762) (£13,762) (£13,762) (£13,762) (£13,762) (£13,762) (£13,762) (£13,762) (£13,762)
Gross Annual Expenses                        
Annual Management Expenses   (£485) (£485) (£485) (£485) (£485) (£485) (£485) (£485) (£485) (£485) (£485)
Gross Annual Cashflow less Expenses   (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195)
Vacancy Expenses                        
Net Annual Cashflow   (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195) (£14,195)
Net Yield %   (3.76%) (3.76%) (3.76%) (3.76%) (3.76%) (3.76%) (3.76%) (3.76%) (3.76%) (3.76%) (3.76%)
Debt Coverage Ratio (1:x)   0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37
Personal Equity £94,350 £94,350 £102,806 £111,694 £121,037 £130,858 £141,181 £152,033 £163,440 £175,430 £188,034 £201,283
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   (£14,247) (£5,791) £3,097 £12,440 £22,261 £32,584 £43,436 £54,843 £66,833 £79,437 £92,685
Return on Investment %   (15.10%) (6.14%) 3.28% 13.18% 23.59% 34.54% 46.04% 58.13% 70.83% 84.19% 98.24%
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   (£14,247) (£5,675) £2,974 £11,708 £20,533 £29,454 £38,477 £47,610 £56,859 £66,230 £75,731
Real Return on Investment %   (15.10%) (6.02%) 3.15% 12.41% 21.76% 31.22% 40.78% 50.46% 60.26% 70.20% 80.27%