LA7 Milnthorpe, Beetham, Storth, Heversham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £261,534
Input Equity (£65,384)
Total Input Equity (£65,384)
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 £261,534 £261,534 £261,534 £261,534 £261,534 £261,534 £261,534 £261,534 £261,534 £261,534 £261,534 £261,534
Finance Amount £196,151 £196,151 £190,291 £184,131 £177,657 £170,851 £163,697 £156,177 £148,272 £139,963 £131,229 £122,048
Monthly Mortgage   (£1,295) (£1,295) (£1,295) (£1,295) (£1,295) (£1,295) (£1,295) (£1,295) (£1,295) (£1,295) (£1,295)
Monthly Rental   £598 £598 £598 £598 £598 £598 £598 £598 £598 £598 £598
Yield to Purchase Price %   2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74%
Yield to Property Value %   2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74% 2.74%
Gross Monthly Cashflow   (£697) (£697) (£697) (£697) (£697) (£697) (£697) (£697) (£697) (£697) (£697)
Gross Annual Cashflow   (£8,362) (£8,362) (£8,362) (£8,362) (£8,362) (£8,362) (£8,362) (£8,362) (£8,362) (£8,362) (£8,362)
Gross Annual Expenses                        
Annual Management Expenses   (£402) (£402) (£402) (£402) (£402) (£402) (£402) (£402) (£402) (£402) (£402)
Gross Annual Cashflow less Expenses   (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721)
Vacancy Expenses                        
Net Annual Cashflow   (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721) (£8,721)
Net Yield %   (3.33%) (3.33%) (3.33%) (3.33%) (3.33%) (3.33%) (3.33%) (3.33%) (3.33%) (3.33%) (3.33%)
Debt Coverage Ratio (1:x)   0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44
Personal Equity £65,384 £65,384 £71,243 £77,403 £83,877 £90,683 £97,837 £105,357 £113,262 £121,571 £130,305 £139,486
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   (£8,764) (£2,904) £3,255 £9,730 £16,536 £23,690 £31,210 £39,115 £47,424 £56,158 £65,339
Return on Investment %   (13.40%) (4.44%) 4.98% 14.88% 25.29% 36.23% 47.73% 59.82% 72.53% 85.89% 99.93%
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   (£8,764) (£2,846) £3,127 £9,158 £15,252 £21,414 £27,647 £33,956 £40,346 £46,822 £53,387
Real Return on Investment %   (13.40%) (4.35%) 4.78% 14.01% 23.33% 32.75% 42.28% 51.93% 61.71% 71.61% 81.65%