LL45 Llanbedr cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £315,602
Input Equity (£78,901)
Total Input Equity (£78,901)
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 £315,602 £315,602 £315,602 £315,602 £315,602 £315,602 £315,602 £315,602 £315,602 £315,602 £315,602 £315,602
Finance Amount £236,702 £236,702 £229,630 £222,198 £214,385 £206,172 £197,539 £188,464 £178,925 £168,898 £158,358 £147,279
Monthly Mortgage   (£1,562) (£1,562) (£1,562) (£1,562) (£1,562) (£1,562) (£1,562) (£1,562) (£1,562) (£1,562) (£1,562)
Monthly Rental   £495 £495 £495 £495 £495 £495 £495 £495 £495 £495 £495
Yield to Purchase Price %   1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88%
Yield to Property Value %   1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88% 1.88%
Gross Monthly Cashflow   (£1,068) (£1,068) (£1,068) (£1,068) (£1,068) (£1,068) (£1,068) (£1,068) (£1,068) (£1,068) (£1,068)
Gross Annual Cashflow   (£12,811) (£12,811) (£12,811) (£12,811) (£12,811) (£12,811) (£12,811) (£12,811) (£12,811) (£12,811) (£12,811)
Gross Annual Expenses                        
Annual Management Expenses   (£332) (£332) (£332) (£332) (£332) (£332) (£332) (£332) (£332) (£332) (£332)
Gross Annual Cashflow less Expenses   (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108)
Vacancy Expenses                        
Net Annual Cashflow   (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108) (£13,108)
Net Yield %   (4.15%) (4.15%) (4.15%) (4.15%) (4.15%) (4.15%) (4.15%) (4.15%) (4.15%) (4.15%) (4.15%)
Debt Coverage Ratio (1:x)   0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30 0.30
Personal Equity £78,901 £78,901 £85,972 £93,404 £101,217 £109,430 £118,063 £127,138 £136,677 £146,704 £157,244 £168,323
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   (£13,144) (£6,073) £1,360 £9,173 £17,386 £26,019 £35,094 £44,633 £54,660 £65,199 £76,279
Return on Investment %   (16.66%) (7.70%) 1.72% 11.63% 22.04% 32.98% 44.48% 56.57% 69.28% 82.64% 96.68%
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   (£13,144) (£5,951) £1,306 £8,634 £16,036 £23,519 £31,087 £38,747 £46,502 £54,360 £62,325
Real Return on Investment %   (16.66%) (7.54%) 1.66% 10.94% 20.32% 29.81% 39.40% 49.11% 58.94% 68.90% 78.99%