LL51 Garndolbenmaen cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £175,649
Input Equity (£43,912)
Total Input Equity (£43,912)
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 £175,649 £175,649 £175,649 £175,649 £175,649 £175,649 £175,649 £175,649 £175,649 £175,649 £175,649 £175,649
Finance Amount £131,737 £131,737 £127,801 £123,665 £119,316 £114,745 £109,941 £104,890 £99,581 £94,001 £88,135 £81,969
Monthly Mortgage   (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869)
Monthly Rental   £563 £563 £563 £563 £563 £563 £563 £563 £563 £563 £563
Yield to Purchase Price %   3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85%
Yield to Property Value %   3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85% 3.85%
Gross Monthly Cashflow   (£306) (£306) (£306) (£306) (£306) (£306) (£306) (£306) (£306) (£306) (£306)
Gross Annual Cashflow   (£3,676) (£3,676) (£3,676) (£3,676) (£3,676) (£3,676) (£3,676) (£3,676) (£3,676) (£3,676) (£3,676)
Gross Annual Expenses                        
Annual Management Expenses   (£378) (£378) (£378) (£378) (£378) (£378) (£378) (£378) (£378) (£378) (£378)
Gross Annual Cashflow less Expenses   (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014)
Vacancy Expenses                        
Net Annual Cashflow   (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014) (£4,014)
Net Yield %   (2.29%) (2.29%) (2.29%) (2.29%) (2.29%) (2.29%) (2.29%) (2.29%) (2.29%) (2.29%) (2.29%)
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 £43,912 £43,912 £47,848 £51,984 £56,333 £60,904 £65,708 £70,759 £76,068 £81,648 £87,514 £93,680
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   (£4,055) (£119) £4,017 £8,366 £12,937 £17,741 £22,792 £28,101 £33,681 £39,547 £45,714
Return on Investment %   (9.23%) (0.27%) 9.15% 19.05% 29.46% 40.40% 51.90% 63.99% 76.70% 90.06% 104.10%
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   (£4,055) (£117) £3,858 £7,874 £11,932 £16,037 £20,190 £24,395 £28,655 £32,973 £37,351
Real Return on Investment %   (9.23%) (0.27%) 8.79% 17.93% 27.17% 36.52% 45.98% 55.55% 65.25% 75.09% 85.06%