LL21 Corwen, Cynwyd, Glanrafon, Glasfryn, Llandrillo, Llangwm, Maerdy, Ty Nant, Betws Gwerfil Goch, Bryneglwys, Carrog, Cerrigydrudion, Clawdd Poncen, Derwen, Glyndyfrdwy, Gwyddelwern, Llanfihangel Glyn Myfyr, Llidiart-y-Parc, Melin-y-Wig cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £270,283
Input Equity (£67,571)
Total Input Equity (£67,571)
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 £270,283 £270,283 £270,283 £270,283 £270,283 £270,283 £270,283 £270,283 £270,283 £270,283 £270,283 £270,283
Finance Amount £202,712 £202,712 £196,657 £190,291 £183,600 £176,567 £169,173 £161,402 £153,232 £144,645 £135,619 £126,131
Monthly Mortgage   (£1,338) (£1,338) (£1,338) (£1,338) (£1,338) (£1,338) (£1,338) (£1,338) (£1,338) (£1,338) (£1,338)
Monthly Rental   £522 £522 £522 £522 £522 £522 £522 £522 £522 £522 £522
Yield to Purchase Price %   2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32%
Yield to Property Value %   2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32% 2.32%
Gross Monthly Cashflow   (£816) (£816) (£816) (£816) (£816) (£816) (£816) (£816) (£816) (£816) (£816)
Gross Annual Cashflow   (£9,788) (£9,788) (£9,788) (£9,788) (£9,788) (£9,788) (£9,788) (£9,788) (£9,788) (£9,788) (£9,788)
Gross Annual Expenses                        
Annual Management Expenses   (£351) (£351) (£351) (£351) (£351) (£351) (£351) (£351) (£351) (£351) (£351)
Gross Annual Cashflow less Expenses   (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102)
Vacancy Expenses                        
Net Annual Cashflow   (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102) (£10,102)
Net Yield %   (3.74%) (3.74%) (3.74%) (3.74%) (3.74%) (3.74%) (3.74%) (3.74%) (3.74%) (3.74%) (3.74%)
Debt Coverage Ratio (1:x)   0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37 0.37
Personal Equity £67,571 £67,571 £73,626 £79,992 £86,683 £93,716 £101,110 £108,881 £117,051 £125,638 £134,664 £144,152
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   (£10,139) (£4,084) £2,282 £8,973 £16,007 £23,400 £31,171 £39,341 £47,928 £56,954 £66,442
Return on Investment %   (15.01%) (6.04%) 3.38% 13.28% 23.69% 34.63% 46.13% 58.22% 70.93% 84.29% 98.33%
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   (£10,139) (£4,002) £2,192 £8,445 £14,764 £21,152 £27,613 £34,153 £40,775 £47,485 £54,288
Real Return on Investment %   (15.01%) (5.92%) 3.24% 12.50% 21.85% 31.30% 40.87% 50.54% 60.34% 70.28% 80.34%