LL24 Betws-y-Coed, Capel Curig, Cwm Penmachno, Penmachno, Pentre Du, Pentrefoelas, Ysbyty Ifan cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £203,790
Input Equity (£50,948)
Total Input Equity (£50,948)
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 £203,790 £203,790 £203,790 £203,790 £203,790 £203,790 £203,790 £203,790 £203,790 £203,790 £203,790 £203,790
Finance Amount £152,843 £152,843 £148,277 £143,477 £138,432 £133,129 £127,555 £121,695 £115,535 £109,061 £102,255 £95,101
Monthly Mortgage   (£1,009) (£1,009) (£1,009) (£1,009) (£1,009) (£1,009) (£1,009) (£1,009) (£1,009) (£1,009) (£1,009)
Monthly Rental   £525 £525 £525 £525 £525 £525 £525 £525 £525 £525 £525
Yield to Purchase Price %   3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09%
Yield to Property Value %   3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09% 3.09%
Gross Monthly Cashflow   (£483) (£483) (£483) (£483) (£483) (£483) (£483) (£483) (£483) (£483) (£483)
Gross Annual Cashflow   (£5,800) (£5,800) (£5,800) (£5,800) (£5,800) (£5,800) (£5,800) (£5,800) (£5,800) (£5,800) (£5,800)
Gross Annual Expenses                        
Annual Management Expenses   (£353) (£353) (£353) (£353) (£353) (£353) (£353) (£353) (£353) (£353) (£353)
Gross Annual Cashflow less Expenses   (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115)
Vacancy Expenses                        
Net Annual Cashflow   (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115) (£6,115)
Net Yield %   (3.00%) (3.00%) (3.00%) (3.00%) (3.00%) (3.00%) (3.00%) (3.00%) (3.00%) (3.00%) (3.00%)
Debt Coverage Ratio (1:x)   0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49
Personal Equity £50,948 £50,948 £55,513 £60,313 £65,358 £70,661 £76,236 £82,095 £88,255 £94,729 £101,535 £108,689
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   (£6,153) (£1,587) £3,212 £8,257 £13,561 £19,135 £24,995 £31,154 £37,629 £44,435 £51,589
Return on Investment %   (12.08%) (3.12%) 6.31% 16.21% 26.62% 37.56% 49.06% 61.15% 73.86% 87.22% 101.26%
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   (£6,153) (£1,555) £3,085 £7,772 £12,508 £17,297 £22,141 £27,046 £32,013 £37,047 £42,152
Real Return on Investment %   (12.08%) (3.05%) 6.06% 15.25% 24.55% 33.95% 43.46% 53.09% 62.84% 72.72% 82.74%