LL46 Harlech, Llanfair cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £191,495
Input Equity (£47,874)
Total Input Equity (£47,874)
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 £191,495 £191,495 £191,495 £191,495 £191,495 £191,495 £191,495 £191,495 £191,495 £191,495 £191,495 £191,495
Finance Amount £143,621 £143,621 £139,331 £134,821 £130,080 £125,097 £119,859 £114,353 £108,565 £102,481 £96,086 £89,363
Monthly Mortgage   (£948) (£948) (£948) (£948) (£948) (£948) (£948) (£948) (£948) (£948) (£948)
Monthly Rental   £412 £412 £412 £412 £412 £412 £412 £412 £412 £412 £412
Yield to Purchase Price %   2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58%
Yield to Property Value %   2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58%
Gross Monthly Cashflow   (£535) (£535) (£535) (£535) (£535) (£535) (£535) (£535) (£535) (£535) (£535)
Gross Annual Cashflow   (£6,425) (£6,425) (£6,425) (£6,425) (£6,425) (£6,425) (£6,425) (£6,425) (£6,425) (£6,425) (£6,425)
Gross Annual Expenses                        
Annual Management Expenses   (£277) (£277) (£277) (£277) (£277) (£277) (£277) (£277) (£277) (£277) (£277)
Gross Annual Cashflow less Expenses   (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673)
Vacancy Expenses                        
Net Annual Cashflow   (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673) (£6,673)
Net Yield %   (3.48%) (3.48%) (3.48%) (3.48%) (3.48%) (3.48%) (3.48%) (3.48%) (3.48%) (3.48%) (3.48%)
Debt Coverage Ratio (1:x)   0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41
Personal Equity £47,874 £47,874 £52,164 £56,674 £61,415 £66,398 £71,636 £77,142 £82,930 £89,014 £95,409 £102,132
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   (£6,703) (£2,412) £2,098 £6,838 £11,822 £17,060 £22,566 £28,354 £34,438 £40,833 £47,555
Return on Investment %   (14.00%) (5.04%) 4.38% 14.28% 24.69% 35.63% 47.14% 59.23% 71.93% 85.29% 99.33%
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   (£6,703) (£2,364) £2,015 £6,436 £10,904 £15,421 £19,990 £24,615 £29,298 £34,044 £38,856
Real Return on Investment %   (14.00%) (4.94%) 4.21% 13.44% 22.78% 32.21% 41.76% 51.42% 61.20% 71.11% 81.16%