LA22 Ambleside, Hawkshead, Near Sawrey cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £366,110
Input Equity (£91,528)
Total Input Equity (£91,528)
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 £366,110 £366,110 £366,110 £366,110 £366,110 £366,110 £366,110 £366,110 £366,110 £366,110 £366,110 £366,110
Finance Amount £274,583 £274,583 £266,380 £257,758 £248,694 £239,167 £229,152 £218,626 £207,560 £195,928 £183,702 £170,849
Monthly Mortgage   (£1,812) (£1,812) (£1,812) (£1,812) (£1,812) (£1,812) (£1,812) (£1,812) (£1,812) (£1,812) (£1,812)
Monthly Rental   £664 £664 £664 £664 £664 £664 £664 £664 £664 £664 £664
Yield to Purchase Price %   2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18%
Yield to Property Value %   2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18% 2.18%
Gross Monthly Cashflow   (£1,148) (£1,148) (£1,148) (£1,148) (£1,148) (£1,148) (£1,148) (£1,148) (£1,148) (£1,148) (£1,148)
Gross Annual Cashflow   (£13,781) (£13,781) (£13,781) (£13,781) (£13,781) (£13,781) (£13,781) (£13,781) (£13,781) (£13,781) (£13,781)
Gross Annual Expenses                        
Annual Management Expenses   (£446) (£446) (£446) (£446) (£446) (£446) (£446) (£446) (£446) (£446) (£446)
Gross Annual Cashflow less Expenses   (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179)
Vacancy Expenses                        
Net Annual Cashflow   (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179) (£14,179)
Net Yield %   (3.87%) (3.87%) (3.87%) (3.87%) (3.87%) (3.87%) (3.87%) (3.87%) (3.87%) (3.87%) (3.87%)
Debt Coverage Ratio (1:x)   0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35
Personal Equity £91,528 £91,528 £99,730 £108,352 £117,416 £126,943 £136,958 £147,484 £158,550 £170,182 £182,408 £195,261
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   (£14,227) (£6,024) £2,598 £11,662 £21,189 £31,203 £41,730 £52,796 £64,427 £76,654 £89,506
Return on Investment %   (15.54%) (6.58%) 2.84% 12.74% 23.15% 34.09% 45.59% 57.68% 70.39% 83.75% 97.79%
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   (£14,227) (£5,904) £2,495 £10,976 £19,544 £28,205 £36,966 £45,833 £54,812 £63,910 £73,133
Real Return on Investment %   (15.54%) (6.45%) 2.73% 11.99% 21.35% 30.82% 40.39% 50.08% 59.89% 69.83% 79.90%