LL49 Porthmadog, Borth-y-Gest, Morfa Bychan, Penmorfa, Prenteg, Tremadog cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £164,344
Input Equity (£41,086)
Total Input Equity (£41,086)
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 £164,344 £164,344 £164,344 £164,344 £164,344 £164,344 £164,344 £164,344 £164,344 £164,344 £164,344 £164,344
Finance Amount £123,258 £123,258 £119,576 £115,705 £111,637 £107,360 £102,865 £98,139 £93,172 £87,951 £82,462 £76,693
Monthly Mortgage   (£813) (£813) (£813) (£813) (£813) (£813) (£813) (£813) (£813) (£813) (£813)
Monthly Rental   £535 £535 £535 £535 £535 £535 £535 £535 £535 £535 £535
Yield to Purchase Price %   3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90%
Yield to Property Value %   3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90%
Gross Monthly Cashflow   (£279) (£279) (£279) (£279) (£279) (£279) (£279) (£279) (£279) (£279) (£279)
Gross Annual Cashflow   (£3,347) (£3,347) (£3,347) (£3,347) (£3,347) (£3,347) (£3,347) (£3,347) (£3,347) (£3,347) (£3,347)
Gross Annual Expenses                        
Annual Management Expenses   (£359) (£359) (£359) (£359) (£359) (£359) (£359) (£359) (£359) (£359) (£359)
Gross Annual Cashflow less Expenses   (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668)
Vacancy Expenses                        
Net Annual Cashflow   (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668) (£3,668)
Net Yield %   (2.23%) (2.23%) (2.23%) (2.23%) (2.23%) (2.23%) (2.23%) (2.23%) (2.23%) (2.23%) (2.23%)
Debt Coverage Ratio (1:x)   0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62
Personal Equity £41,086 £41,086 £44,768 £48,639 £52,707 £56,984 £61,479 £66,205 £71,172 £76,393 £81,882 £87,651
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   (£3,706) (£24) £3,846 £7,915 £12,192 £16,687 £21,413 £26,380 £31,601 £37,090 £42,859
Return on Investment %   (9.02%) (0.06%) 9.36% 19.26% 29.67% 40.62% 52.12% 64.21% 76.91% 90.27% 104.32%
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   (£3,706) (£24) £3,694 £7,450 £11,245 £15,084 £18,968 £22,901 £26,885 £30,923 £35,019
Real Return on Investment %   (9.02%) (0.06%) 8.99% 18.13% 27.37% 36.71% 46.17% 55.74% 65.44% 75.26% 85.23%