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LD7 Knighton cash flow analysis
Return to yield table
Customise this data
Postcode
Area name
Property type
Property value
Expected rehab/refurb costs
Tax deductible?
Expected monthly rent
Purchase costs
0.00% of property value
0.25% of property value
0.50% of property value
0.75% of property value
1.00% of property value
1.25% of property value
1.50% of property value
1.75% of property value
2.00% of property value
2.25% of property value
2.50% of property value
2.75% of property value
3.00% of property value
3.25% of property value
3.50% of property value
3.75% of property value
4.00% of property value
4.25% of property value
4.50% of property value
4.75% of property value
5.00% of property value
5.25% of property value
5.50% of property value
5.75% of property value
6.00% of property value
6.25% of property value
6.50% of property value
6.75% of property value
7.00% of property value
7.25% of property value
7.50% of property value
7.75% of property value
8.00% of property value
8.25% of property value
8.50% of property value
8.75% of property value
9.00% of property value
9.25% of property value
9.50% of property value
9.75% of property value
10.00% of property value
10.25% of property value
10.50% of property value
10.75% of property value
11.00% of property value
11.25% of property value
11.50% of property value
11.75% of property value
12.00% of property value
12.25% of property value
12.50% of property value
12.75% of property value
13.00% of property value
13.25% of property value
13.50% of property value
13.75% of property value
14.00% of property value
14.25% of property value
14.50% of property value
14.75% of property value
15.00% of property value
15.25% of property value
15.50% of property value
15.75% of property value
16.00% of property value
16.25% of property value
16.50% of property value
16.75% of property value
17.00% of property value
17.25% of property value
17.50% of property value
17.75% of property value
18.00% of property value
18.25% of property value
18.50% of property value
18.75% of property value
19.00% of property value
19.25% of property value
19.50% of property value
19.75% of property value
20.00% of property value
Annual costs
0.00% of property value
0.25% of property value
0.50% of property value
0.75% of property value
1.00% of property value
1.25% of property value
1.50% of property value
1.75% of property value
2.00% of property value
2.25% of property value
2.50% of property value
2.75% of property value
3.00% of property value
3.25% of property value
3.50% of property value
3.75% of property value
4.00% of property value
4.25% of property value
4.50% of property value
4.75% of property value
5.00% of property value
Tax deductible?
Management costs
0.00% of expected rent
1.00% of expected rent
2.00% of expected rent
3.00% of expected rent
4.00% of expected rent
5.00% of expected rent
6.00% of expected rent
7.00% of expected rent
8.00% of expected rent
9.00% of expected rent
10.00% of expected rent
11.00% of expected rent
12.00% of expected rent
13.00% of expected rent
14.00% of expected rent
15.00% of expected rent
16.00% of expected rent
17.00% of expected rent
18.00% of expected rent
19.00% of expected rent
20.00% of expected rent
21.00% of expected rent
22.00% of expected rent
23.00% of expected rent
24.00% of expected rent
25.00% of expected rent
Tax deductible?
Add VAT to management costs
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
9.00%
10.00%
11.00%
12.00%
13.00%
14.00%
15.00%
16.00%
17.00%
18.00%
19.00%
20.00%
21.00%
22.00%
23.00%
24.00%
25.00%
26.00%
27.00%
28.00%
29.00%
30.00%
31.00%
32.00%
33.00%
34.00%
35.00%
36.00%
37.00%
38.00%
39.00%
40.00%
41.00%
42.00%
43.00%
44.00%
45.00%
46.00%
47.00%
48.00%
49.00%
50.00%
Currency of transaction
EUR
USD
JPY
BGN
CZK
DKK
GBP
HUF
PLN
RON
SEK
CHF
NOK
HRK
RUB
TRY
AUD
BRL
CAD
CNY
HKD
IDR
ILS
INR
KRW
MXN
MYR
NZD
PHP
SGD
THB
ZAR
Vacancy rate
0% of expected rent
1% of expected rent
2% of expected rent
3% of expected rent
4% of expected rent
5% of expected rent
6% of expected rent
7% of expected rent
8% of expected rent
9% of expected rent
10% of expected rent
11% of expected rent
12% of expected rent
13% of expected rent
14% of expected rent
15% of expected rent
16% of expected rent
17% of expected rent
18% of expected rent
19% of expected rent
20% of expected rent
21% of expected rent
22% of expected rent
23% of expected rent
24% of expected rent
25% of expected rent
26% of expected rent
27% of expected rent
28% of expected rent
29% of expected rent
30% of expected rent
or
0 weeks of the year
1 week of the year
2 weeks of the year
3 weeks of the year
4 weeks of the year
5 weeks of the year
6 weeks of the year
7 weeks of the year
8 weeks of the year
9 weeks of the year
10 weeks of the year
11 weeks of the year
12 weeks of the year
13 weeks of the year
14 weeks of the year
15 weeks of the year
16 weeks of the year
17 weeks of the year
18 weeks of the year
19 weeks of the year
20 weeks of the year
21 weeks of the year
22 weeks of the year
23 weeks of the year
24 weeks of the year
25 weeks of the year
26 weeks of the year
27 weeks of the year
28 weeks of the year
29 weeks of the year
30 weeks of the year
31 weeks of the year
32 weeks of the year
33 weeks of the year
34 weeks of the year
35 weeks of the year
36 weeks of the year
37 weeks of the year
38 weeks of the year
39 weeks of the year
40 weeks of the year
41 weeks of the year
42 weeks of the year
43 weeks of the year
44 weeks of the year
45 weeks of the year
46 weeks of the year
47 weeks of the year
48 weeks of the year
49 weeks of the year
50 weeks of the year
51 weeks of the year
52 weeks of the year
Mortgage loan-to-value ratio
Please select loan-to-value
120%
115%
110%
105%
100%
95%
90%
85%
80%
75%
70%
65%
60%
55%
50%
45%
40%
35%
30%
25%
20%
15%
10%
5%
0% (no mortgage)
Mortgage term
5 years
6 years
7 years
8 years
9 years
10 years
11 years
12 years
13 years
14 years
15 years
16 years
17 years
18 years
19 years
20 years
21 years
22 years
23 years
24 years
25 years
26 years
27 years
28 years
29 years
30 years
31 years
32 years
33 years
34 years
35 years
36 years
37 years
38 years
39 years
40 years
Mortgage interest rate
0.50%
0.75%
1.00%
1.25%
1.50%
1.75%
2.00%
2.25%
2.50%
2.75%
3.00%
3.25%
3.50%
3.75%
4.00%
4.25%
4.50%
4.75%
5.00%
5.25%
5.50%
5.75%
6.00%
6.25%
6.50%
6.75%
7.00%
7.25%
7.50%
7.75%
8.00%
8.25%
8.50%
8.75%
9.00%
9.25%
9.50%
9.75%
10.00%
10.25%
10.50%
10.75%
11.00%
11.25%
11.50%
11.75%
12.00%
12.25%
12.50%
12.75%
13.00%
13.25%
13.50%
13.75%
14.00%
14.25%
14.50%
14.75%
15.00%
Introduction mortgage term
0 months
1 month
2 months
3 months
4 months
5 months
6 months
7 months
8 months
9 months
10 months
11 months
12 months
13 months
14 months
15 months
16 months
17 months
18 months
19 months
20 months
21 months
22 months
23 months
24 months
25 months
26 months
27 months
28 months
29 months
30 months
31 months
32 months
33 months
34 months
35 months
36 months
37 months
38 months
39 months
40 months
41 months
42 months
43 months
44 months
45 months
46 months
47 months
48 months
49 months
50 months
51 months
52 months
53 months
54 months
55 months
56 months
57 months
58 months
59 months
60 months
Introduction interest rate
0.50%
0.75%
1.00%
1.25%
1.50%
1.75%
2.00%
2.25%
2.50%
2.75%
3.00%
3.25%
3.50%
3.75%
4.00%
4.25%
4.50%
4.75%
5.00%
5.25%
5.50%
5.75%
6.00%
6.25%
6.50%
6.75%
7.00%
7.25%
7.50%
7.75%
8.00%
8.25%
8.50%
8.75%
9.00%
9.25%
9.50%
9.75%
10.00%
10.25%
10.50%
10.75%
11.00%
11.25%
11.50%
11.75%
12.00%
12.25%
12.50%
12.75%
13.00%
13.25%
13.50%
13.75%
14.00%
14.25%
14.50%
14.75%
15.00%
Currency of equity/mortgage
EUR
USD
JPY
BGN
CZK
DKK
GBP
HUF
PLN
RON
SEK
CHF
NOK
HRK
RUB
TRY
AUD
BRL
CAD
CNY
HKD
IDR
ILS
INR
KRW
MXN
MYR
NZD
PHP
SGD
THB
ZAR
Ownership percentage
100% ownership
99% ownership
98% ownership
97% ownership
96% ownership
95% ownership
94% ownership
93% ownership
92% ownership
91% ownership
90% ownership
89% ownership
88% ownership
87% ownership
86% ownership
85% ownership
84% ownership
83% ownership
82% ownership
81% ownership
80% ownership
79% ownership
78% ownership
77% ownership
76% ownership
75% ownership
74% ownership
73% ownership
72% ownership
71% ownership
70% ownership
69% ownership
68% ownership
67% ownership
66% ownership
65% ownership
64% ownership
63% ownership
62% ownership
61% ownership
60% ownership
59% ownership
58% ownership
57% ownership
56% ownership
55% ownership
54% ownership
53% ownership
52% ownership
51% ownership
50% ownership
49% ownership
48% ownership
47% ownership
46% ownership
45% ownership
44% ownership
43% ownership
42% ownership
41% ownership
40% ownership
39% ownership
38% ownership
37% ownership
36% ownership
35% ownership
34% ownership
33% ownership
32% ownership
31% ownership
30% ownership
29% ownership
28% ownership
27% ownership
26% ownership
25% ownership
24% ownership
23% ownership
22% ownership
21% ownership
20% ownership
19% ownership
18% ownership
17% ownership
16% ownership
15% ownership
14% ownership
13% ownership
12% ownership
11% ownership
10% ownership
9% ownership
8% ownership
7% ownership
6% ownership
5% ownership
4% ownership
3% ownership
2% ownership
1% ownership
Currency appreciation/depreciation
Currencies are fixed
Financial model
Flat
Inflation rate
20.00%
19.50%
19.00%
18.50%
18.00%
17.50%
17.00%
16.50%
16.00%
15.50%
15.00%
14.50%
14.00%
13.50%
13.00%
12.50%
12.00%
11.50%
11.00%
10.50%
10.00%
9.50%
9.00%
8.50%
8.00%
7.50%
7.00%
6.50%
6.00%
5.50%
5.00%
4.50%
4.00%
3.50%
3.00%
2.50%
2.00%
1.50%
1.00%
0.50%
0.00%
-0.50%
-1.00%
-1.50%
-2.00%
-2.50%
-3.00%
-3.50%
-4.00%
-4.50%
-5.00%
-5.50%
-6.00%
-6.50%
-7.00%
-7.50%
-8.00%
-8.50%
-9.00%
-9.50%
-10.00%
-10.50%
-11.00%
-11.50%
-12.00%
-12.50%
-13.00%
-13.50%
-14.00%
-14.50%
-15.00%
-15.50%
-16.00%
-16.50%
-17.00%
-17.50%
-18.00%
-18.50%
-19.00%
-19.50%
-20.00%
Taxation rate
0%
1%
2%
3%
4%
5%
6%
7%
8%
9%
10%
11%
12%
13%
14%
15%
16%
17%
18%
19%
20%
21%
22%
23%
24%
25%
26%
27%
28%
29%
30%
31%
32%
33%
34%
35%
36%
37%
38%
39%
40%
41%
42%
43%
44%
45%
46%
47%
48%
49%
50%
51%
52%
53%
54%
55%
56%
57%
58%
59%
60%
61%
62%
63%
64%
65%
66%
67%
68%
69%
70%
71%
72%
73%
74%
75%
76%
77%
78%
79%
80%
81%
82%
83%
84%
85%
86%
87%
88%
89%
90%
91%
92%
93%
94%
95%
96%
97%
98%
99%
100%
Forecast >>
Cash Flow Chart
Cash Flow Analysis
Transaction
Amount
Completion Price
£283,975
Input Equity
(£70,994)
Total Input Equity
(£70,994)
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
£283,975
£283,975
£283,975
£283,975
£283,975
£283,975
£283,975
£283,975
£283,975
£283,975
£283,975
£283,975
Finance Amount
£212,981
£212,981
£206,619
£199,931
£192,901
£185,511
£177,743
£169,578
£160,995
£151,973
£142,489
£132,520
Monthly Mortgage
(£1,406)
(£1,406)
(£1,406)
(£1,406)
(£1,406)
(£1,406)
(£1,406)
(£1,406)
(£1,406)
(£1,406)
(£1,406)
Monthly Rental
£736
£736
£736
£736
£736
£736
£736
£736
£736
£736
£736
Yield to Purchase Price %
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
Yield to Property Value %
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
3.11%
Gross Monthly Cashflow
(£669)
(£669)
(£669)
(£669)
(£669)
(£669)
(£669)
(£669)
(£669)
(£669)
(£669)
Gross Annual Cashflow
(£8,031)
(£8,031)
(£8,031)
(£8,031)
(£8,031)
(£8,031)
(£8,031)
(£8,031)
(£8,031)
(£8,031)
(£8,031)
Gross Annual Expenses
Annual Management Expenses
(£495)
(£495)
(£495)
(£495)
(£495)
(£495)
(£495)
(£495)
(£495)
(£495)
(£495)
Gross Annual Cashflow less Expenses
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
Vacancy Expenses
Net Annual Cashflow
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
Taxable Income
Tax Payable
Net Annual Cashflow Less Tax
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
(£8,473)
Net Yield %
(2.98%)
(2.98%)
(2.98%)
(2.98%)
(2.98%)
(2.98%)
(2.98%)
(2.98%)
(2.98%)
(2.98%)
(2.98%)
Debt Coverage Ratio (1:x)
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
0.50
Personal Equity
£70,994
£70,994
£77,356
£84,044
£91,074
£98,464
£106,232
£114,397
£122,980
£132,002
£141,486
£151,455
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
(£8,526)
(£2,164)
£4,524
£11,554
£18,944
£26,712
£34,877
£43,460
£52,482
£61,966
£71,935
Return on Investment %
(12.01%)
(3.05%)
6.37%
16.28%
26.68%
37.63%
49.13%
61.22%
73.93%
87.28%
101.33%
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
(£8,526)
(£2,120)
£4,345
£10,875
£17,473
£24,145
£30,896
£37,729
£44,650
£51,664
£58,776
Real Return on Investment %
(12.01%)
(2.99%)
6.12%
15.32%
24.61%
34.01%
43.52%
53.14%
62.89%
72.77%
82.79%
Return to yield table
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