LL57 Bangor, Llanllechid, Rachub, Talybont, Bethesda, Glasinfryn, Llandygai, Mynydd Llandygai, Rhiwlas, Tregarth cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £191,434
Input Equity (£47,859)
Total Input Equity (£47,859)
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 £191,434 £191,434 £191,434 £191,434 £191,434 £191,434 £191,434 £191,434 £191,434 £191,434 £191,434 £191,434
Finance Amount £143,576 £143,576 £139,286 £134,778 £130,039 £125,057 £119,821 £114,316 £108,530 £102,448 £96,055 £89,335
Monthly Mortgage   (£948) (£948) (£948) (£948) (£948) (£948) (£948) (£948) (£948) (£948) (£948)
Monthly Rental   £582 £582 £582 £582 £582 £582 £582 £582 £582 £582 £582
Yield to Purchase Price %   3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65%
Yield to Property Value %   3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65% 3.65%
Gross Monthly Cashflow   (£365) (£365) (£365) (£365) (£365) (£365) (£365) (£365) (£365) (£365) (£365)
Gross Annual Cashflow   (£4,381) (£4,381) (£4,381) (£4,381) (£4,381) (£4,381) (£4,381) (£4,381) (£4,381) (£4,381) (£4,381)
Gross Annual Expenses                        
Annual Management Expenses   (£391) (£391) (£391) (£391) (£391) (£391) (£391) (£391) (£391) (£391) (£391)
Gross Annual Cashflow less Expenses   (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731)
Vacancy Expenses                        
Net Annual Cashflow   (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731) (£4,731)
Net Yield %   (2.47%) (2.47%) (2.47%) (2.47%) (2.47%) (2.47%) (2.47%) (2.47%) (2.47%) (2.47%) (2.47%)
Debt Coverage Ratio (1:x)   0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58
Personal Equity £47,859 £47,859 £52,148 £56,656 £61,395 £66,377 £71,613 £77,118 £82,904 £88,986 £95,379 £102,099
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   (£4,773) (£484) £4,025 £8,764 £13,745 £18,982 £24,486 £30,272 £36,354 £42,747 £49,468
Return on Investment %   (9.97%) (1.01%) 8.41% 18.31% 28.72% 39.66% 51.16% 63.25% 75.96% 89.32% 103.36%
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   (£4,773) (£474) £3,865 £8,248 £12,678 £17,158 £21,691 £26,280 £30,929 £35,641 £40,419
Real Return on Investment %   (9.97%) (0.99%) 8.08% 17.24% 26.49% 35.85% 45.32% 54.91% 64.63% 74.47% 84.45%