LA23 Windermere, Bowness-on-Windermere, Troutbeck cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £347,614
Input Equity (£86,904)
Total Input Equity (£86,904)
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 £347,614 £347,614 £347,614 £347,614 £347,614 £347,614 £347,614 £347,614 £347,614 £347,614 £347,614 £347,614
Finance Amount £260,711 £260,711 £252,922 £244,736 £236,130 £227,084 £217,576 £207,580 £197,074 £186,030 £174,421 £162,218
Monthly Mortgage   (£1,721) (£1,721) (£1,721) (£1,721) (£1,721) (£1,721) (£1,721) (£1,721) (£1,721) (£1,721) (£1,721)
Monthly Rental   £817 £817 £817 £817 £817 £817 £817 £817 £817 £817 £817
Yield to Purchase Price %   2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82%
Yield to Property Value %   2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82% 2.82%
Gross Monthly Cashflow   (£904) (£904) (£904) (£904) (£904) (£904) (£904) (£904) (£904) (£904) (£904)
Gross Annual Cashflow   (£10,845) (£10,845) (£10,845) (£10,845) (£10,845) (£10,845) (£10,845) (£10,845) (£10,845) (£10,845) (£10,845)
Gross Annual Expenses                        
Annual Management Expenses   (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549) (£549)
Gross Annual Cashflow less Expenses   (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335)
Vacancy Expenses                        
Net Annual Cashflow   (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335) (£11,335)
Net Yield %   (3.26%) (3.26%) (3.26%) (3.26%) (3.26%) (3.26%) (3.26%) (3.26%) (3.26%) (3.26%) (3.26%)
Debt Coverage Ratio (1:x)   0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45
Personal Equity £86,904 £86,904 £94,692 £102,878 £111,484 £120,530 £130,038 £140,034 £150,540 £161,584 £173,193 £185,396
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   (£11,394) (£3,605) £4,581 £13,187 £22,233 £31,741 £41,736 £52,243 £63,287 £74,896 £87,099
Return on Investment %   (13.11%) (4.15%) 5.27% 15.17% 25.58% 36.52% 48.03% 60.12% 72.82% 86.18% 100.22%
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   (£11,394) (£3,533) £4,400 £12,411 £20,507 £28,692 £36,972 £45,353 £53,842 £62,444 £71,166
Real Return on Investment %   (13.11%) (4.07%) 5.06% 14.28% 23.60% 33.02% 42.54% 52.19% 61.96% 71.85% 81.89%