LL54 Caernarfon, Clynnogfawr, Llanaelhaearn, Llandwrog, Pontllyfni, Saron, Trefor, Llanllyfni, Nantlle, Penygroes, Rhyd Ddu, Talysarn, Bontnewydd, Carmel, Dinas, Groeslon, Rhosgadfan, Rhostryfan cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £198,572
Input Equity (£49,643)
Total Input Equity (£49,643)
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 £198,572 £198,572 £198,572 £198,572 £198,572 £198,572 £198,572 £198,572 £198,572 £198,572 £198,572 £198,572
Finance Amount £148,929 £148,929 £144,480 £139,803 £134,888 £129,720 £124,288 £118,579 £112,577 £106,268 £99,637 £92,666
Monthly Mortgage   (£983) (£983) (£983) (£983) (£983) (£983) (£983) (£983) (£983) (£983) (£983)
Monthly Rental   £505 £505 £505 £505 £505 £505 £505 £505 £505 £505 £505
Yield to Purchase Price %   3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05%
Yield to Property Value %   3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05% 3.05%
Gross Monthly Cashflow   (£477) (£477) (£477) (£477) (£477) (£477) (£477) (£477) (£477) (£477) (£477)
Gross Annual Cashflow   (£5,730) (£5,730) (£5,730) (£5,730) (£5,730) (£5,730) (£5,730) (£5,730) (£5,730) (£5,730) (£5,730)
Gross Annual Expenses                        
Annual Management Expenses   (£340) (£340) (£340) (£340) (£340) (£340) (£340) (£340) (£340) (£340) (£340)
Gross Annual Cashflow less Expenses   (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033)
Vacancy Expenses                        
Net Annual Cashflow   (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033) (£6,033)
Net Yield %   (3.04%) (3.04%) (3.04%) (3.04%) (3.04%) (3.04%) (3.04%) (3.04%) (3.04%) (3.04%) (3.04%)
Debt Coverage Ratio (1:x)   0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49
Personal Equity £49,643 £49,643 £54,092 £58,769 £63,684 £68,852 £74,284 £79,993 £85,995 £92,304 £98,935 £105,906
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   (£6,069) (£1,620) £3,056 £7,972 £13,139 £18,571 £24,281 £30,282 £36,591 £43,223 £50,194
Return on Investment %   (12.23%) (3.26%) 6.16% 16.06% 26.47% 37.41% 48.91% 61.00% 73.71% 87.07% 101.11%
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   (£6,069) (£1,588) £2,935 £7,503 £12,119 £16,787 £21,509 £26,289 £31,130 £36,037 £41,012
Real Return on Investment %   (12.23%) (3.20%) 5.91% 15.11% 24.41% 33.81% 43.33% 52.96% 62.71% 72.59% 82.61%