LL15 Ruthin, Bontuchel, Clawddnewydd, Clocaenog, Cyffylliog, Gellifor, Graigfechan, Llanbedr Dyffryn Clwyd, Llanelidan, Llanfair Dyffryn Clwyd, Pwllglas, Rhewl cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £279,258
Input Equity (£69,815)
Total Input Equity (£69,815)
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 £279,258 £279,258 £279,258 £279,258 £279,258 £279,258 £279,258 £279,258 £279,258 £279,258 £279,258 £279,258
Finance Amount £209,444 £209,444 £203,187 £196,610 £189,697 £182,430 £174,791 £166,761 £158,321 £149,448 £140,122 £130,319
Monthly Mortgage   (£1,382) (£1,382) (£1,382) (£1,382) (£1,382) (£1,382) (£1,382) (£1,382) (£1,382) (£1,382) (£1,382)
Monthly Rental   £687 £687 £687 £687 £687 £687 £687 £687 £687 £687 £687
Yield to Purchase Price %   2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95%
Yield to Property Value %   2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95% 2.95%
Gross Monthly Cashflow   (£696) (£696) (£696) (£696) (£696) (£696) (£696) (£696) (£696) (£696) (£696)
Gross Annual Cashflow   (£8,346) (£8,346) (£8,346) (£8,346) (£8,346) (£8,346) (£8,346) (£8,346) (£8,346) (£8,346) (£8,346)
Gross Annual Expenses                        
Annual Management Expenses   (£461) (£461) (£461) (£461) (£461) (£461) (£461) (£461) (£461) (£461) (£461)
Gross Annual Cashflow less Expenses   (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758)
Vacancy Expenses                        
Net Annual Cashflow   (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758) (£8,758)
Net Yield %   (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%) (3.14%)
Debt Coverage Ratio (1:x)   0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47
Personal Equity £69,815 £69,815 £76,071 £82,648 £89,561 £96,828 £104,467 £112,497 £120,937 £129,810 £139,136 £148,939
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   (£8,808) (£2,551) £4,026 £10,939 £18,206 £25,845 £33,875 £42,315 £51,187 £60,514 £70,317
Return on Investment %   (12.62%) (3.65%) 5.77% 15.67% 26.08% 37.02% 48.52% 60.61% 73.32% 86.68% 100.72%
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   (£8,808) (£2,500) £3,866 £10,296 £16,793 £23,362 £30,008 £36,735 £43,548 £50,453 £57,454
Real Return on Investment %   (12.62%) (3.58%) 5.54% 14.75% 24.05% 33.46% 42.98% 52.62% 62.38% 72.27% 82.30%