LA5 Carnforth, Arnside, Silverdale, Warton, Bolton-Le-Sands cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £281,808
Input Equity (£70,452)
Total Input Equity (£70,452)
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 £281,808 £281,808 £281,808 £281,808 £281,808 £281,808 £281,808 £281,808 £281,808 £281,808 £281,808 £281,808
Finance Amount £211,356 £211,356 £205,042 £198,405 £191,429 £184,095 £176,387 £168,284 £159,766 £150,813 £141,402 £131,509
Monthly Mortgage   (£1,395) (£1,395) (£1,395) (£1,395) (£1,395) (£1,395) (£1,395) (£1,395) (£1,395) (£1,395) (£1,395)
Monthly Rental   £742 £742 £742 £742 £742 £742 £742 £742 £742 £742 £742
Yield to Purchase Price %   3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16%
Yield to Property Value %   3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16% 3.16%
Gross Monthly Cashflow   (£653) (£653) (£653) (£653) (£653) (£653) (£653) (£653) (£653) (£653) (£653)
Gross Annual Cashflow   (£7,839) (£7,839) (£7,839) (£7,839) (£7,839) (£7,839) (£7,839) (£7,839) (£7,839) (£7,839) (£7,839)
Gross Annual Expenses                        
Annual Management Expenses   (£498) (£498) (£498) (£498) (£498) (£498) (£498) (£498) (£498) (£498) (£498)
Gross Annual Cashflow less Expenses   (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284)
Vacancy Expenses                        
Net Annual Cashflow   (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284) (£8,284)
Net Yield %   (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%) (2.94%)
Debt Coverage Ratio (1:x)   0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51
Personal Equity £70,452 £70,452 £76,766 £83,403 £90,379 £97,713 £105,421 £113,524 £122,042 £130,995 £140,406 £150,299
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   (£8,338) (£2,024) £4,613 £11,590 £18,923 £26,631 £34,734 £43,252 £52,205 £61,617 £71,509
Return on Investment %   (11.83%) (2.87%) 6.55% 16.45% 26.86% 37.80% 49.30% 61.39% 74.10% 87.46% 101.50%
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   (£8,338) (£1,983) £4,430 £10,908 £17,454 £24,073 £30,769 £37,548 £44,414 £51,373 £58,428
Real Return on Investment %   (11.83%) (2.82%) 6.29% 15.48% 24.77% 34.17% 43.67% 53.30% 63.04% 72.92% 82.93%