LL53 Pwllheli, Efailnewydd, Llannor, Abererch, Chwilog, Llithfaen, Nefyn, Pistyll, Plas Gwyn, Y Ffor, Abersoch, Bwlchtocyn, Llanbedrog, Mynytho, Penrhos, Rhydyclafdy, Aberdaron, Boduan, Botwnnog, Edern, Morfa Nefyn, Sarn, Tudweiliog cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £232,096
Input Equity (£58,024)
Input Equity FX (£58,024)
Total Input Equity (£58,024)
Total Input Equity FX (£58,024)
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 £232,096 £232,096 £232,096 £232,096 £232,096 £232,096 £232,096 £232,096 £232,096 £232,096 £232,096 £232,096
Finance Amount £174,072 £174,072 £168,872 £163,406 £157,660 £151,620 £145,272 £138,598 £131,583 £124,209 £116,458 £108,310
Monthly Mortgage   (£1,149) (£1,149) (£1,149) (£1,149) (£1,149) (£1,149) (£1,149) (£1,149) (£1,149) (£1,149) (£1,149)
Monthly Rental   £497 £497 £497 £497 £497 £497 £497 £497 £497 £497 £497
Yield to Purchase Price %   2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57%
Yield to Property Value %   2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57%
Gross Monthly Cashflow   (£652) (£652) (£652) (£652) (£652) (£652) (£652) (£652) (£652) (£652) (£652)
Gross Annual Cashflow   (£7,826) (£7,826) (£7,826) (£7,826) (£7,826) (£7,826) (£7,826) (£7,826) (£7,826) (£7,826) (£7,826)
Gross Annual Expenses                        
Annual Management Expenses   (£334) (£334) (£334) (£334) (£334) (£334) (£334) (£334) (£334) (£334) (£334)
Gross Annual Cashflow less Expenses   (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124)
Vacancy Expenses                        
Net Annual Cashflow   (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124) (£8,124)
Net Yield %   (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%)
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 £58,024 £58,024 £63,224 £68,690 £74,436 £80,476 £86,824 £93,498 £100,513 £107,887 £115,638 £123,786
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   (£8,160) (£2,960) £2,506 £8,252 £14,292 £20,640 £27,314 £34,329 £41,703 £49,454 £57,602
Return on Investment %   (14.06%) (5.10%) 4.32% 14.22% 24.63% 35.57% 47.07% 59.16% 71.87% 85.23% 99.27%
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   (£8,160) (£2,901) £2,407 £7,766 £13,182 £18,657 £24,196 £29,802 £35,479 £41,232 £47,065
Real Return on Investment %   (14.06%) (5.00%) 4.15% 13.38% 22.72% 32.15% 41.70% 51.36% 61.15% 71.06% 81.11%