LL28 Colwyn Bay, Rhos on Sea, Eglwysbach, Glan Conwy, Mochdre, Tal-y-Cafn cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £234,368
Input Equity (£58,592)
Total Input Equity (£58,592)
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 £234,368 £234,368 £234,368 £234,368 £234,368 £234,368 £234,368 £234,368 £234,368 £234,368 £234,368 £234,368
Finance Amount £175,776 £175,776 £170,525 £165,005 £159,203 £153,105 £146,694 £139,955 £132,871 £125,425 £117,598 £109,371
Monthly Mortgage   (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160) (£1,160)
Monthly Rental   £581 £581 £581 £581 £581 £581 £581 £581 £581 £581 £581
Yield to Purchase Price %   2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97%
Yield to Property Value %   2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97%
Gross Monthly Cashflow   (£579) (£579) (£579) (£579) (£579) (£579) (£579) (£579) (£579) (£579) (£579)
Gross Annual Cashflow   (£6,952) (£6,952) (£6,952) (£6,952) (£6,952) (£6,952) (£6,952) (£6,952) (£6,952) (£6,952) (£6,952)
Gross Annual Expenses                        
Annual Management Expenses   (£390) (£390) (£390) (£390) (£390) (£390) (£390) (£390) (£390) (£390) (£390)
Gross Annual Cashflow less Expenses   (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300)
Vacancy Expenses                        
Net Annual Cashflow   (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300) (£7,300)
Net Yield %   (3.11%) (3.11%) (3.11%) (3.11%) (3.11%) (3.11%) (3.11%) (3.11%) (3.11%) (3.11%) (3.11%)
Debt Coverage Ratio (1:x)   0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48
Personal Equity £58,592 £58,592 £63,843 £69,363 £75,165 £81,263 £87,674 £94,413 £101,497 £108,943 £116,770 £124,998
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   (£7,342) (£2,091) £3,428 £9,230 £15,329 £21,740 £28,479 £35,563 £43,009 £50,836 £59,063
Return on Investment %   (12.53%) (3.57%) 5.85% 15.75% 26.16% 37.10% 48.61% 60.70% 73.40% 86.76% 100.80%
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   (£7,342) (£2,049) £3,293 £8,688 £14,139 £19,651 £25,228 £30,873 £36,590 £42,384 £48,259
Real Return on Investment %   (12.53%) (3.50%) 5.62% 14.83% 24.13% 33.54% 43.06% 52.69% 62.45% 72.34% 82.36%