LL41 Blaenau Ffestiniog, Talwaenydd, Ffestiniog, Gellilydan, Maentwrog, Manod, Trawsfynydd cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £153,785
Input Equity (£38,446)
Total Input Equity (£38,446)
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 £153,785 £153,785 £153,785 £153,785 £153,785 £153,785 £153,785 £153,785 £153,785 £153,785 £153,785 £153,785
Finance Amount £115,339 £115,339 £111,893 £108,271 £104,464 £100,462 £96,256 £91,834 £87,186 £82,300 £77,164 £71,766
Monthly Mortgage   (£761) (£761) (£761) (£761) (£761) (£761) (£761) (£761) (£761) (£761) (£761)
Monthly Rental   £452 £452 £452 £452 £452 £452 £452 £452 £452 £452 £452
Yield to Purchase Price %   3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52%
Yield to Property Value %   3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52% 3.52%
Gross Monthly Cashflow   (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310)
Gross Annual Cashflow   (£3,716) (£3,716) (£3,716) (£3,716) (£3,716) (£3,716) (£3,716) (£3,716) (£3,716) (£3,716) (£3,716)
Gross Annual Expenses                        
Annual Management Expenses   (£303) (£303) (£303) (£303) (£303) (£303) (£303) (£303) (£303) (£303) (£303)
Gross Annual Cashflow less Expenses   (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987)
Vacancy Expenses                        
Net Annual Cashflow   (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987) (£3,987)
Net Yield %   (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%)
Debt Coverage Ratio (1:x)   0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56
Personal Equity £38,446 £38,446 £41,892 £45,514 £49,321 £53,323 £57,529 £61,951 £66,599 £71,485 £76,621 £82,019
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   (£4,019) (£574) £3,048 £6,855 £10,857 £15,064 £19,486 £24,134 £29,019 £34,155 £39,554
Return on Investment %   (10.45%) (1.49%) 7.93% 17.83% 28.24% 39.18% 50.68% 62.77% 75.48% 88.84% 102.88%
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   (£4,019) (£562) £2,927 £6,452 £10,014 £13,616 £17,261 £20,951 £24,689 £28,477 £32,318
Real Return on Investment %   (10.45%) (1.46%) 7.61% 16.78% 26.05% 35.42% 44.90% 54.49% 64.22% 74.07% 84.06%