LA8 Kendal, Sizergh, Grayrigg cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £358,941
Input Equity (£89,735)
Total Input Equity (£89,735)
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 £358,941 £358,941 £358,941 £358,941 £358,941 £358,941 £358,941 £358,941 £358,941 £358,941 £358,941 £358,941
Finance Amount £269,206 £269,206 £261,164 £252,710 £243,824 £234,484 £224,665 £214,345 £203,496 £192,092 £180,105 £167,504
Monthly Mortgage   (£1,777) (£1,777) (£1,777) (£1,777) (£1,777) (£1,777) (£1,777) (£1,777) (£1,777) (£1,777) (£1,777)
Monthly Rental   £641 £641 £641 £641 £641 £641 £641 £641 £641 £641 £641
Yield to Purchase Price %   2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14%
Yield to Property Value %   2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14% 2.14%
Gross Monthly Cashflow   (£1,135) (£1,135) (£1,135) (£1,135) (£1,135) (£1,135) (£1,135) (£1,135) (£1,135) (£1,135) (£1,135)
Gross Annual Cashflow   (£13,625) (£13,625) (£13,625) (£13,625) (£13,625) (£13,625) (£13,625) (£13,625) (£13,625) (£13,625) (£13,625)
Gross Annual Expenses                        
Annual Management Expenses   (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431)
Gross Annual Cashflow less Expenses   (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010)
Vacancy Expenses                        
Net Annual Cashflow   (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010) (£14,010)
Net Yield %   (3.90%) (3.90%) (3.90%) (3.90%) (3.90%) (3.90%) (3.90%) (3.90%) (3.90%) (3.90%) (3.90%)
Debt Coverage Ratio (1:x)   0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34 0.34
Personal Equity £89,735 £89,735 £97,777 £106,231 £115,117 £124,457 £134,276 £144,597 £155,445 £166,849 £178,836 £191,437
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   (£14,056) (£6,014) £2,440 £11,326 £20,666 £30,485 £40,805 £51,654 £63,058 £75,045 £87,646
Return on Investment %   (15.66%) (6.70%) 2.72% 12.62% 23.03% 33.97% 45.47% 57.56% 70.27% 83.63% 97.67%
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   (£14,056) (£5,894) £2,343 £10,659 £19,062 £27,556 £36,147 £44,842 £53,647 £62,569 £71,613
Real Return on Investment %   (15.66%) (6.57%) 2.61% 11.88% 21.24% 30.71% 40.28% 49.97% 59.78% 69.73% 79.80%