LA6 Arkholme, Cantsfield, Casterton, Ingleton, Ireby, Kirkby Lonsdale, Masongill, Tunstall, Whittington cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £322,193
Input Equity (£80,548)
Total Input Equity (£80,548)
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 £322,193 £322,193 £322,193 £322,193 £322,193 £322,193 £322,193 £322,193 £322,193 £322,193 £322,193 £322,193
Finance Amount £241,645 £241,645 £234,426 £226,838 £218,862 £210,478 £201,664 £192,400 £182,662 £172,426 £161,666 £150,355
Monthly Mortgage   (£1,595) (£1,595) (£1,595) (£1,595) (£1,595) (£1,595) (£1,595) (£1,595) (£1,595) (£1,595) (£1,595)
Monthly Rental   £703 £703 £703 £703 £703 £703 £703 £703 £703 £703 £703
Yield to Purchase Price %   2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62%
Yield to Property Value %   2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62%
Gross Monthly Cashflow   (£892) (£892) (£892) (£892) (£892) (£892) (£892) (£892) (£892) (£892) (£892)
Gross Annual Cashflow   (£10,705) (£10,705) (£10,705) (£10,705) (£10,705) (£10,705) (£10,705) (£10,705) (£10,705) (£10,705) (£10,705)
Gross Annual Expenses                        
Annual Management Expenses   (£472) (£472) (£472) (£472) (£472) (£472) (£472) (£472) (£472) (£472) (£472)
Gross Annual Cashflow less Expenses   (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127)
Vacancy Expenses                        
Net Annual Cashflow   (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127) (£11,127)
Net Yield %   (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%)
Debt Coverage Ratio (1:x)   0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42
Personal Equity £80,548 £80,548 £87,767 £95,355 £103,331 £111,715 £120,529 £129,793 £139,531 £149,767 £160,527 £171,838
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   (£11,177) (£3,959) £3,629 £11,606 £19,990 £28,803 £38,067 £47,805 £58,042 £68,802 £80,112
Return on Investment %   (13.88%) (4.91%) 4.51% 14.41% 24.82% 35.76% 47.26% 59.35% 72.06% 85.42% 99.46%
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   (£11,177) (£3,879) £3,486 £10,923 £18,438 £26,036 £33,722 £41,501 £49,380 £57,363 £65,458
Real Return on Investment %   (13.88%) (4.82%) 4.33% 13.56% 22.89% 32.32% 41.87% 51.52% 61.30% 71.22% 81.27%