LL22 Abergele, Betws Yn Rhos, Gwytherin, Llanddulas, Llanfairtalhaiarn, Llangernyw, Moelfre, Pandy Tudur, Rhyd-y-Foel, Glascoed, St. George cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £269,807
Input Equity (£67,452)
Total Input Equity (£67,452)
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 £269,807 £269,807 £269,807 £269,807 £269,807 £269,807 £269,807 £269,807 £269,807 £269,807 £269,807 £269,807
Finance Amount £202,355 £202,355 £196,310 £189,956 £183,277 £176,256 £168,875 £161,117 £152,963 £144,391 £135,380 £125,909
Monthly Mortgage   (£1,335) (£1,335) (£1,335) (£1,335) (£1,335) (£1,335) (£1,335) (£1,335) (£1,335) (£1,335) (£1,335)
Monthly Rental   £576 £576 £576 £576 £576 £576 £576 £576 £576 £576 £576
Yield to Purchase Price %   2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56%
Yield to Property Value %   2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56% 2.56%
Gross Monthly Cashflow   (£759) (£759) (£759) (£759) (£759) (£759) (£759) (£759) (£759) (£759) (£759)
Gross Annual Cashflow   (£9,110) (£9,110) (£9,110) (£9,110) (£9,110) (£9,110) (£9,110) (£9,110) (£9,110) (£9,110) (£9,110)
Gross Annual Expenses                        
Annual Management Expenses   (£387) (£387) (£387) (£387) (£387) (£387) (£387) (£387) (£387) (£387) (£387)
Gross Annual Cashflow less Expenses   (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456)
Vacancy Expenses                        
Net Annual Cashflow   (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456) (£9,456)
Net Yield %   (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%)
Debt Coverage Ratio (1:x)   0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41
Personal Equity £67,452 £67,452 £73,497 £79,851 £86,530 £93,551 £100,932 £108,690 £116,844 £125,416 £134,427 £143,898
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   (£9,497) (£3,452) £2,902 £9,581 £16,602 £23,983 £31,741 £39,895 £48,467 £57,478 £66,949
Return on Investment %   (14.08%) (5.12%) 4.30% 14.20% 24.61% 35.56% 47.06% 59.15% 71.85% 85.21% 99.26%
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   (£9,497) (£3,383) £2,787 £9,018 £15,314 £21,678 £28,117 £34,634 £41,234 £47,922 £54,703
Real Return on Investment %   (14.08%) (5.02%) 4.13% 13.37% 22.70% 32.14% 41.68% 51.35% 61.13% 71.05% 81.10%