LL36 Tywyn, Abergynolwyn, Bryncrug, Llanegryn, Rhoslefain cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £174,365
Input Equity (£43,591)
Total Input Equity (£43,591)
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 £174,365 £174,365 £174,365 £174,365 £174,365 £174,365 £174,365 £174,365 £174,365 £174,365 £174,365 £174,365
Finance Amount £130,774 £130,774 £126,867 £122,761 £118,444 £113,907 £109,137 £104,123 £98,853 £93,314 £87,490 £81,369
Monthly Mortgage   (£863) (£863) (£863) (£863) (£863) (£863) (£863) (£863) (£863) (£863) (£863)
Monthly Rental   £525 £525 £525 £525 £525 £525 £525 £525 £525 £525 £525
Yield to Purchase Price %   3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61%
Yield to Property Value %   3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61%
Gross Monthly Cashflow   (£338) (£338) (£338) (£338) (£338) (£338) (£338) (£338) (£338) (£338) (£338)
Gross Annual Cashflow   (£4,059) (£4,059) (£4,059) (£4,059) (£4,059) (£4,059) (£4,059) (£4,059) (£4,059) (£4,059) (£4,059)
Gross Annual Expenses                        
Annual Management Expenses   (£353) (£353) (£353) (£353) (£353) (£353) (£353) (£353) (£353) (£353) (£353)
Gross Annual Cashflow less Expenses   (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374)
Vacancy Expenses                        
Net Annual Cashflow   (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374) (£4,374)
Net Yield %   (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%)
Debt Coverage Ratio (1:x)   0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58
Personal Equity £43,591 £43,591 £47,498 £51,604 £55,921 £60,458 £65,228 £70,242 £75,512 £81,051 £86,875 £92,996
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   (£4,412) (£505) £3,601 £7,918 £12,455 £17,225 £22,238 £27,509 £33,048 £38,871 £44,992
Return on Investment %   (10.12%) (1.16%) 8.26% 18.16% 28.57% 39.51% 51.02% 63.11% 75.81% 89.17% 103.21%
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   (£4,412) (£495) £3,459 £7,452 £11,488 £15,570 £19,700 £23,881 £28,116 £32,409 £36,762
Real Return on Investment %   (10.12%) (1.14%) 7.93% 17.10% 26.35% 35.72% 45.19% 54.78% 64.50% 74.35% 84.33%