LE5 Hamilton, Thurnby Lodge, Evington cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £176,114
Input Equity (£44,029)
Total Input Equity (£44,029)
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 £176,114 £176,114 £176,114 £176,114 £176,114 £176,114 £176,114 £176,114 £176,114 £176,114 £176,114 £176,114
Finance Amount £132,086 £132,086 £128,140 £123,992 £119,632 £115,049 £110,232 £105,168 £99,845 £94,250 £88,368 £82,186
Monthly Mortgage   (£872) (£872) (£872) (£872) (£872) (£872) (£872) (£872) (£872) (£872) (£872)
Monthly Rental   £621 £621 £621 £621 £621 £621 £621 £621 £621 £621 £621
Yield to Purchase Price %   4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23%
Yield to Property Value %   4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23% 4.23%
Gross Monthly Cashflow   (£250) (£250) (£250) (£250) (£250) (£250) (£250) (£250) (£250) (£250) (£250)
Gross Annual Cashflow   (£3,003) (£3,003) (£3,003) (£3,003) (£3,003) (£3,003) (£3,003) (£3,003) (£3,003) (£3,003) (£3,003)
Gross Annual Expenses                        
Annual Management Expenses   (£418) (£418) (£418) (£418) (£418) (£418) (£418) (£418) (£418) (£418) (£418)
Gross Annual Cashflow less Expenses   (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375)
Vacancy Expenses                        
Net Annual Cashflow   (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375) (£3,375)
Net Yield %   (1.92%) (1.92%) (1.92%) (1.92%) (1.92%) (1.92%) (1.92%) (1.92%) (1.92%) (1.92%) (1.92%)
Debt Coverage Ratio (1:x)   0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68
Personal Equity £44,029 £44,029 £47,974 £52,122 £56,482 £61,065 £65,882 £70,946 £76,269 £81,864 £87,746 £93,928
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   (£3,420) £526 £4,673 £9,033 £13,616 £18,433 £23,497 £28,820 £34,416 £40,297 £46,480
Return on Investment %   (7.77%) 1.19% 10.61% 20.52% 30.93% 41.87% 53.37% 65.46% 78.17% 91.53% 105.57%
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   (£3,420) £515 £4,488 £8,502 £12,559 £16,662 £20,815 £25,020 £29,280 £33,598 £37,977
Real Return on Investment %   (7.77%) 1.17% 10.19% 19.31% 28.52% 37.84% 47.28% 56.83% 66.50% 76.31% 86.26%