LL30 Llanrhos, Llandudno, Penrhyn Bay cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £180,665
Input Equity (£45,166)
Total Input Equity (£45,166)
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 £180,665 £180,665 £180,665 £180,665 £180,665 £180,665 £180,665 £180,665 £180,665 £180,665 £180,665 £180,665
Finance Amount £135,499 £135,499 £131,451 £127,196 £122,724 £118,022 £113,080 £107,886 £102,425 £96,685 £90,652 £84,309
Monthly Mortgage   (£894) (£894) (£894) (£894) (£894) (£894) (£894) (£894) (£894) (£894) (£894)
Monthly Rental   £640 £640 £640 £640 £640 £640 £640 £640 £640 £640 £640
Yield to Purchase Price %   4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25%
Yield to Property Value %   4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25%
Gross Monthly Cashflow   (£254) (£254) (£254) (£254) (£254) (£254) (£254) (£254) (£254) (£254) (£254)
Gross Annual Cashflow   (£3,049) (£3,049) (£3,049) (£3,049) (£3,049) (£3,049) (£3,049) (£3,049) (£3,049) (£3,049) (£3,049)
Gross Annual Expenses                        
Annual Management Expenses   (£430) (£430) (£430) (£430) (£430) (£430) (£430) (£430) (£430) (£430) (£430)
Gross Annual Cashflow less Expenses   (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433)
Vacancy Expenses                        
Net Annual Cashflow   (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433) (£3,433)
Net Yield %   (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%)
Debt Coverage Ratio (1:x)   0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68
Personal Equity £45,166 £45,166 £49,214 £53,469 £57,941 £62,643 £67,585 £72,779 £78,240 £83,980 £90,013 £96,356
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   (£3,479) £568 £4,823 £9,296 £13,997 £18,939 £24,134 £29,594 £35,334 £41,368 £47,710
Return on Investment %   (7.70%) 1.26% 10.68% 20.58% 30.99% 41.93% 53.43% 65.52% 78.23% 91.59% 105.63%
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   (£3,479) £557 £4,632 £8,749 £12,911 £17,119 £21,379 £25,692 £30,061 £34,490 £38,983
Real Return on Investment %   (7.70%) 1.23% 10.26% 19.37% 28.58% 37.90% 47.33% 56.88% 66.56% 76.36% 86.31%