LE14 Brooksby, Harby, Hoby, Ragdale, Rotherby, Scalford, Somerby, Stonesby, Waltham on the Wolds, Wymondham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £276,600
Input Equity (£69,150)
Total Input Equity (£69,150)
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 £276,600 £276,600 £276,600 £276,600 £276,600 £276,600 £276,600 £276,600 £276,600 £276,600 £276,600 £276,600
Finance Amount £207,450 £207,450 £201,253 £194,739 £187,891 £180,693 £173,127 £165,174 £156,814 £148,026 £138,789 £129,079
Monthly Mortgage   (£1,369) (£1,369) (£1,369) (£1,369) (£1,369) (£1,369) (£1,369) (£1,369) (£1,369) (£1,369) (£1,369)
Monthly Rental   £696 £696 £696 £696 £696 £696 £696 £696 £696 £696 £696
Yield to Purchase Price %   3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02%
Yield to Property Value %   3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02% 3.02%
Gross Monthly Cashflow   (£673) (£673) (£673) (£673) (£673) (£673) (£673) (£673) (£673) (£673) (£673)
Gross Annual Cashflow   (£8,081) (£8,081) (£8,081) (£8,081) (£8,081) (£8,081) (£8,081) (£8,081) (£8,081) (£8,081) (£8,081)
Gross Annual Expenses                        
Annual Management Expenses   (£467) (£467) (£467) (£467) (£467) (£467) (£467) (£467) (£467) (£467) (£467)
Gross Annual Cashflow less Expenses   (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499)
Vacancy Expenses                        
Net Annual Cashflow   (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499) (£8,499)
Net Yield %   (3.07%) (3.07%) (3.07%) (3.07%) (3.07%) (3.07%) (3.07%) (3.07%) (3.07%) (3.07%) (3.07%)
Debt Coverage Ratio (1:x)   0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48
Personal Equity £69,150 £69,150 £75,347 £81,861 £88,709 £95,907 £103,473 £111,426 £119,786 £128,574 £137,811 £147,521
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   (£8,549) (£2,351) £4,163 £11,010 £18,208 £25,774 £33,727 £42,088 £50,875 £60,113 £69,823
Return on Investment %   (12.36%) (3.40%) 6.02% 15.92% 26.33% 37.27% 48.77% 60.86% 73.57% 86.93% 100.97%
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   (£8,549) (£2,304) £3,998 £10,363 £16,795 £23,298 £29,877 £36,537 £43,283 £50,119 £57,050
Real Return on Investment %   (12.36%) (3.33%) 5.78% 14.99% 24.29% 33.69% 43.21% 52.84% 62.59% 72.48% 82.50%