LE11 Loughborough, Charnwood cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £190,811
Input Equity (£47,703)
Total Input Equity (£47,703)
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 £190,811 £190,811 £190,811 £190,811 £190,811 £190,811 £190,811 £190,811 £190,811 £190,811 £190,811 £190,811
Finance Amount £143,108 £143,108 £138,833 £134,339 £129,616 £124,650 £119,431 £113,944 £108,177 £102,115 £95,743 £89,044
Monthly Mortgage   (£944) (£944) (£944) (£944) (£944) (£944) (£944) (£944) (£944) (£944) (£944)
Monthly Rental   £714 £714 £714 £714 £714 £714 £714 £714 £714 £714 £714
Yield to Purchase Price %   4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49%
Yield to Property Value %   4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49% 4.49%
Gross Monthly Cashflow   (£231) (£231) (£231) (£231) (£231) (£231) (£231) (£231) (£231) (£231) (£231)
Gross Annual Cashflow   (£2,770) (£2,770) (£2,770) (£2,770) (£2,770) (£2,770) (£2,770) (£2,770) (£2,770) (£2,770) (£2,770)
Gross Annual Expenses                        
Annual Management Expenses   (£480) (£480) (£480) (£480) (£480) (£480) (£480) (£480) (£480) (£480) (£480)
Gross Annual Cashflow less Expenses   (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198)
Vacancy Expenses                        
Net Annual Cashflow   (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198) (£3,198)
Net Yield %   (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%)
Debt Coverage Ratio (1:x)   0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72
Personal Equity £47,703 £47,703 £51,978 £56,472 £61,195 £66,161 £71,380 £76,867 £82,634 £88,696 £95,068 £101,767
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   (£3,250) £1,025 £5,519 £10,243 £15,208 £20,428 £25,914 £31,681 £37,744 £44,116 £50,814
Return on Investment %   (6.81%) 2.15% 11.57% 21.47% 31.88% 42.82% 54.32% 66.41% 79.12% 92.48% 106.52%
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   (£3,250) £1,005 £5,301 £9,641 £14,028 £18,465 £22,956 £27,503 £32,111 £36,782 £41,519
Real Return on Investment %   (6.81%) 2.11% 11.11% 20.21% 29.41% 38.71% 48.12% 57.66% 67.31% 77.11% 87.04%