LL55 Caernarfon, Bethel, Bontnewydd, Caeathro, Brynrefail, Clwt-y-Bont, Deiniolen, Penisarwaun, Beddgelert, Ceunant, Cwm-y-Glo, Llanberis, Llanrug, Nant Gwynant, Nant Peris, Waunfawr cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £184,635
Input Equity (£46,159)
Total Input Equity (£46,159)
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 £184,635 £184,635 £184,635 £184,635 £184,635 £184,635 £184,635 £184,635 £184,635 £184,635 £184,635 £184,635
Finance Amount £138,476 £138,476 £134,340 £129,991 £125,420 £120,616 £115,565 £110,256 £104,676 £98,810 £92,644 £86,162
Monthly Mortgage   (£914) (£914) (£914) (£914) (£914) (£914) (£914) (£914) (£914) (£914) (£914)
Monthly Rental   £604 £604 £604 £604 £604 £604 £604 £604 £604 £604 £604
Yield to Purchase Price %   3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93%
Yield to Property Value %   3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93% 3.93%
Gross Monthly Cashflow   (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310)
Gross Annual Cashflow   (£3,719) (£3,719) (£3,719) (£3,719) (£3,719) (£3,719) (£3,719) (£3,719) (£3,719) (£3,719) (£3,719)
Gross Annual Expenses                        
Annual Management Expenses   (£406) (£406) (£406) (£406) (£406) (£406) (£406) (£406) (£406) (£406) (£406)
Gross Annual Cashflow less Expenses   (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082)
Vacancy Expenses                        
Net Annual Cashflow   (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082) (£4,082)
Net Yield %   (2.21%) (2.21%) (2.21%) (2.21%) (2.21%) (2.21%) (2.21%) (2.21%) (2.21%) (2.21%) (2.21%)
Debt Coverage Ratio (1:x)   0.63 0.63 0.63 0.63 0.63 0.63 0.63 0.63 0.63 0.63 0.63
Personal Equity £46,159 £46,159 £50,295 £54,644 £59,215 £64,019 £69,070 £74,379 £79,959 £85,825 £91,991 £98,473
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   (£4,125) £12 £4,360 £8,931 £13,735 £18,786 £24,095 £29,675 £35,541 £41,707 £48,189
Return on Investment %   (8.94%) 0.03% 9.45% 19.35% 29.76% 40.70% 52.20% 64.29% 77.00% 90.36% 104.40%
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   (£4,125) £11 £4,187 £8,406 £12,669 £16,981 £21,344 £25,762 £30,237 £34,774 £39,374
Real Return on Investment %   (8.94%) 0.02% 9.07% 18.21% 27.45% 36.79% 46.24% 55.81% 65.51% 75.33% 85.30%