LE65 Ashby-de-la-Zouch, Boundary, Calke, Smisby, Willesley, Worthington cash flow analysis
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Cash Flow Chart
Cash Flow Analysis
| Transaction | Amount |
|---|---|
| Completion Price | £280,166 |
| Input Equity | (£70,042) |
| Total Input Equity | (£70,042) |
| 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 | £280,166 | £280,166 | £280,166 | £280,166 | £280,166 | £280,166 | £280,166 | £280,166 | £280,166 | £280,166 | £280,166 | £280,166 |
| Finance Amount | £210,125 | £210,125 | £203,847 | £197,249 | £190,313 | £183,023 | £175,359 | £167,303 | £158,835 | £149,934 | £140,578 | £130,743 |
| Monthly Mortgage | (£1,387) | (£1,387) | (£1,387) | (£1,387) | (£1,387) | (£1,387) | (£1,387) | (£1,387) | (£1,387) | (£1,387) | (£1,387) | |
| Monthly Rental | £735 | £735 | £735 | £735 | £735 | £735 | £735 | £735 | £735 | £735 | £735 | |
| Yield to Purchase Price % | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | |
| Yield to Property Value % | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | 3.15% | |
| Gross Monthly Cashflow | (£652) | (£652) | (£652) | (£652) | (£652) | (£652) | (£652) | (£652) | (£652) | (£652) | (£652) | |
| Gross Annual Cashflow | (£7,821) | (£7,821) | (£7,821) | (£7,821) | (£7,821) | (£7,821) | (£7,821) | (£7,821) | (£7,821) | (£7,821) | (£7,821) | |
| Gross Annual Expenses | ||||||||||||
| Annual Management Expenses | (£494) | (£494) | (£494) | (£494) | (£494) | (£494) | (£494) | (£494) | (£494) | (£494) | (£494) | |
| Gross Annual Cashflow less Expenses | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | |
| Vacancy Expenses | ||||||||||||
| Net Annual Cashflow | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | |
| Taxable Income | ||||||||||||
| Tax Payable | ||||||||||||
| Net Annual Cashflow Less Tax | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | (£8,262) | |
| Net Yield % | (2.95%) | (2.95%) | (2.95%) | (2.95%) | (2.95%) | (2.95%) | (2.95%) | (2.95%) | (2.95%) | (2.95%) | (2.95%) | |
| 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 | £70,042 | £70,042 | £76,319 | £82,917 | £89,853 | £97,143 | £104,807 | £112,863 | £121,331 | £130,232 | £139,588 | £149,423 |
| 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 | (£8,314) | (£2,037) | £4,561 | £11,497 | £18,787 | £26,451 | £34,507 | £42,975 | £51,876 | £61,232 | £71,067 | |
| Return on Investment % | (11.87%) | (2.91%) | 6.51% | 16.41% | 26.82% | 37.76% | 49.27% | 61.36% | 74.06% | 87.42% | 101.46% | |
| 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 | (£8,314) | (£1,997) | £4,380 | £10,821 | £17,329 | £23,910 | £30,567 | £37,307 | £44,134 | £51,052 | £58,067 | |
| Real Return on Investment % | (11.87%) | (2.85%) | 6.25% | 15.45% | 24.74% | 34.14% | 43.64% | 53.26% | 63.01% | 72.89% | 82.90% |
