LA20 Broughton-in-furness cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £603,274
Input Equity (£150,819)
Total Input Equity (£150,819)
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 £603,274 £603,274 £603,274 £603,274 £603,274 £603,274 £603,274 £603,274 £603,274 £603,274 £603,274 £603,274
Finance Amount £452,456 £452,456 £438,939 £424,731 £409,797 £394,098 £377,596 £360,250 £342,016 £322,850 £302,703 £281,525
Monthly Mortgage   (£2,986) (£2,986) (£2,986) (£2,986) (£2,986) (£2,986) (£2,986) (£2,986) (£2,986) (£2,986) (£2,986)
Monthly Rental   £782 £782 £782 £782 £782 £782 £782 £782 £782 £782 £782
Yield to Purchase Price %   1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56%
Yield to Property Value %   1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56% 1.56%
Gross Monthly Cashflow   (£2,204) (£2,204) (£2,204) (£2,204) (£2,204) (£2,204) (£2,204) (£2,204) (£2,204) (£2,204) (£2,204)
Gross Annual Cashflow   (£26,447) (£26,447) (£26,447) (£26,447) (£26,447) (£26,447) (£26,447) (£26,447) (£26,447) (£26,447) (£26,447)
Gross Annual Expenses                        
Annual Management Expenses   (£526) (£526) (£526) (£526) (£526) (£526) (£526) (£526) (£526) (£526) (£526)
Gross Annual Cashflow less Expenses   (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916)
Vacancy Expenses                        
Net Annual Cashflow   (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916) (£26,916)
Net Yield %   (4.46%) (4.46%) (4.46%) (4.46%) (4.46%) (4.46%) (4.46%) (4.46%) (4.46%) (4.46%) (4.46%)
Debt Coverage Ratio (1:x)   0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.25 0.25
Personal Equity £150,819 £150,819 £164,335 £178,543 £193,477 £209,176 £225,678 £243,024 £261,258 £280,424 £300,571 £321,749
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   (£26,973) (£13,456) £751 £15,686 £31,385 £47,887 £65,233 £83,467 £102,633 £122,780 £143,958
Return on Investment %   (17.88%) (8.92%) 0.50% 10.40% 20.81% 31.75% 43.25% 55.34% 68.05% 81.41% 95.45%
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   (£26,973) (£13,187) £722 £14,764 £28,948 £43,286 £57,786 £72,460 £87,317 £102,368 £117,624
Real Return on Investment %   (17.88%) (8.74%) 0.48% 9.79% 19.19% 28.70% 38.32% 48.04% 57.90% 67.87% 77.99%