LA3 Morecambe, Heysham, Middleton, Overton, Sunderland Point cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £132,597
Input Equity (£33,149)
Total Input Equity (£33,149)
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 £132,597 £132,597 £132,597 £132,597 £132,597 £132,597 £132,597 £132,597 £132,597 £132,597 £132,597 £132,597
Finance Amount £99,448 £99,448 £96,477 £93,354 £90,072 £86,621 £82,994 £79,181 £75,174 £70,961 £66,533 £61,878
Monthly Mortgage   (£656) (£656) (£656) (£656) (£656) (£656) (£656) (£656) (£656) (£656) (£656)
Monthly Rental   £527 £527 £527 £527 £527 £527 £527 £527 £527 £527 £527
Yield to Purchase Price %   4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77%
Yield to Property Value %   4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77% 4.77%
Gross Monthly Cashflow   (£129) (£129) (£129) (£129) (£129) (£129) (£129) (£129) (£129) (£129) (£129)
Gross Annual Cashflow   (£1,546) (£1,546) (£1,546) (£1,546) (£1,546) (£1,546) (£1,546) (£1,546) (£1,546) (£1,546) (£1,546)
Gross Annual Expenses                        
Annual Management Expenses   (£354) (£354) (£354) (£354) (£354) (£354) (£354) (£354) (£354) (£354) (£354)
Gross Annual Cashflow less Expenses   (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863)
Vacancy Expenses                        
Net Annual Cashflow   (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863) (£1,863)
Net Yield %   (1.40%) (1.40%) (1.40%) (1.40%) (1.40%) (1.40%) (1.40%) (1.40%) (1.40%) (1.40%) (1.40%)
Debt Coverage Ratio (1:x)   0.76 0.76 0.76 0.76 0.76 0.76 0.76 0.76 0.76 0.76 0.76
Personal Equity £33,149 £33,149 £36,120 £39,243 £42,525 £45,976 £49,603 £53,416 £57,423 £61,636 £66,064 £70,719
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   (£1,901) £1,070 £4,193 £7,475 £10,926 £14,553 £18,366 £22,373 £26,586 £31,014 £35,669
Return on Investment %   (5.73%) 3.23% 12.65% 22.55% 32.96% 43.90% 55.40% 67.49% 80.20% 93.56% 107.60%
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   (£1,901) £1,049 £4,027 £7,036 £10,078 £13,155 £16,269 £19,423 £22,618 £25,858 £29,144
Real Return on Investment %   (5.73%) 3.16% 12.15% 21.22% 30.40% 39.68% 49.08% 58.59% 68.23% 78.00% 87.92%