LL23 Bala, Llandderfel, Llanfor, Llanuwchllyn, Sarnau cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £331,281
Input Equity (£82,820)
Total Input Equity (£82,820)
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 £331,281 £331,281 £331,281 £331,281 £331,281 £331,281 £331,281 £331,281 £331,281 £331,281 £331,281 £331,281
Finance Amount £248,461 £248,461 £241,038 £233,236 £225,035 £216,414 £207,353 £197,827 £187,814 £177,289 £166,226 £154,596
Monthly Mortgage   (£1,640) (£1,640) (£1,640) (£1,640) (£1,640) (£1,640) (£1,640) (£1,640) (£1,640) (£1,640) (£1,640)
Monthly Rental   £442 £442 £442 £442 £442 £442 £442 £442 £442 £442 £442
Yield to Purchase Price %   1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60%
Yield to Property Value %   1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60% 1.60%
Gross Monthly Cashflow   (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198)
Gross Annual Cashflow   (£14,372) (£14,372) (£14,372) (£14,372) (£14,372) (£14,372) (£14,372) (£14,372) (£14,372) (£14,372) (£14,372)
Gross Annual Expenses                        
Annual Management Expenses   (£297) (£297) (£297) (£297) (£297) (£297) (£297) (£297) (£297) (£297) (£297)
Gross Annual Cashflow less Expenses   (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637)
Vacancy Expenses                        
Net Annual Cashflow   (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637) (£14,637)
Net Yield %   (4.42%) (4.42%) (4.42%) (4.42%) (4.42%) (4.42%) (4.42%) (4.42%) (4.42%) (4.42%) (4.42%)
Debt Coverage Ratio (1:x)   0.26 0.26 0.26 0.26 0.26 0.26 0.26 0.26 0.26 0.26 0.26
Personal Equity £82,820 £82,820 £90,243 £98,045 £106,246 £114,867 £123,928 £133,454 £143,467 £153,992 £165,055 £176,685
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   (£14,669) (£7,247) £555 £8,757 £17,377 £26,439 £35,965 £45,978 £56,503 £67,566 £79,196
Return on Investment %   (17.71%) (8.75%) 0.67% 10.57% 20.98% 31.92% 43.43% 55.51% 68.22% 81.58% 95.62%
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   (£14,669) (£7,102) £533 £8,242 £16,028 £23,899 £31,859 £39,914 £48,070 £56,333 £64,709
Real Return on Investment %   (17.71%) (8.57%) 0.64% 9.95% 19.35% 28.86% 38.47% 48.19% 58.04% 68.02% 78.13%