LE15 Empingham, Manton, Thistleton, Uppingham, Whissendine, Langham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £334,613
Input Equity (£83,653)
Total Input Equity (£83,653)
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 £334,613 £334,613 £334,613 £334,613 £334,613 £334,613 £334,613 £334,613 £334,613 £334,613 £334,613 £334,613
Finance Amount £250,960 £250,960 £243,463 £235,582 £227,299 £218,591 £209,438 £199,817 £189,703 £179,072 £167,898 £156,151
Monthly Mortgage   (£1,656) (£1,656) (£1,656) (£1,656) (£1,656) (£1,656) (£1,656) (£1,656) (£1,656) (£1,656) (£1,656)
Monthly Rental   £758 £758 £758 £758 £758 £758 £758 £758 £758 £758 £758
Yield to Purchase Price %   2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72%
Yield to Property Value %   2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72%
Gross Monthly Cashflow   (£898) (£898) (£898) (£898) (£898) (£898) (£898) (£898) (£898) (£898) (£898)
Gross Annual Cashflow   (£10,777) (£10,777) (£10,777) (£10,777) (£10,777) (£10,777) (£10,777) (£10,777) (£10,777) (£10,777) (£10,777)
Gross Annual Expenses                        
Annual Management Expenses   (£509) (£509) (£509) (£509) (£509) (£509) (£509) (£509) (£509) (£509) (£509)
Gross Annual Cashflow less Expenses   (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232)
Vacancy Expenses                        
Net Annual Cashflow   (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232) (£11,232)
Net Yield %   (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%)
Debt Coverage Ratio (1:x)   0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43
Personal Equity £83,653 £83,653 £91,150 £99,031 £107,314 £116,022 £125,175 £134,796 £144,910 £155,541 £166,715 £178,462
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   (£11,286) (£3,790) £4,091 £12,375 £21,082 £30,235 £39,856 £49,970 £60,601 £71,776 £83,522
Return on Investment %   (13.49%) (4.53%) 4.89% 14.79% 25.20% 36.14% 47.64% 59.73% 72.44% 85.80% 99.84%
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   (£11,286) (£3,714) £3,929 £11,647 £19,446 £27,330 £35,307 £43,380 £51,557 £59,843 £68,244
Real Return on Investment %   (13.49%) (4.44%) 4.70% 13.92% 23.25% 32.67% 42.21% 51.86% 61.63% 71.54% 81.58%