LL52 Criccieth, Llanystumdwy, Pentrefelin, Rhoslan cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £207,243
Input Equity (£51,811)
Total Input Equity (£51,811)
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 £207,243 £207,243 £207,243 £207,243 £207,243 £207,243 £207,243 £207,243 £207,243 £207,243 £207,243 £207,243
Finance Amount £155,432 £155,432 £150,789 £145,908 £140,778 £135,385 £129,716 £123,757 £117,493 £110,909 £103,988 £96,712
Monthly Mortgage   (£1,026) (£1,026) (£1,026) (£1,026) (£1,026) (£1,026) (£1,026) (£1,026) (£1,026) (£1,026) (£1,026)
Monthly Rental   £547 £547 £547 £547 £547 £547 £547 £547 £547 £547 £547
Yield to Purchase Price %   3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17%
Yield to Property Value %   3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17% 3.17%
Gross Monthly Cashflow   (£478) (£478) (£478) (£478) (£478) (£478) (£478) (£478) (£478) (£478) (£478)
Gross Annual Cashflow   (£5,742) (£5,742) (£5,742) (£5,742) (£5,742) (£5,742) (£5,742) (£5,742) (£5,742) (£5,742) (£5,742)
Gross Annual Expenses                        
Annual Management Expenses   (£368) (£368) (£368) (£368) (£368) (£368) (£368) (£368) (£368) (£368) (£368)
Gross Annual Cashflow less Expenses   (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070)
Vacancy Expenses                        
Net Annual Cashflow   (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070) (£6,070)
Net Yield %   (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%) (2.93%)
Debt Coverage Ratio (1:x)   0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51 0.51
Personal Equity £51,811 £51,811 £56,454 £61,335 £66,465 £71,858 £77,527 £83,486 £89,750 £96,334 £103,255 £110,531
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   (£6,109) (£1,466) £3,415 £8,545 £13,938 £19,607 £25,566 £31,830 £38,414 £45,335 £52,611
Return on Investment %   (11.79%) (2.83%) 6.59% 16.49% 26.90% 37.84% 49.35% 61.43% 74.14% 87.50% 101.54%
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   (£6,109) (£1,437) £3,279 £8,043 £12,856 £17,723 £22,648 £27,632 £32,681 £37,798 £42,987
Real Return on Investment %   (11.79%) (2.77%) 6.33% 15.52% 24.81% 34.21% 43.71% 53.33% 63.08% 72.95% 82.97%