LL75 Pentraeth, Red Wharf Bay, Rhoscefnhir cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £275,833
Input Equity (£68,958)
Total Input Equity (£68,958)
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 £275,833 £275,833 £275,833 £275,833 £275,833 £275,833 £275,833 £275,833 £275,833 £275,833 £275,833 £275,833
Finance Amount £206,875 £206,875 £200,695 £194,199 £187,370 £180,192 £172,647 £164,716 £156,379 £147,616 £138,404 £128,721
Monthly Mortgage   (£1,365) (£1,365) (£1,365) (£1,365) (£1,365) (£1,365) (£1,365) (£1,365) (£1,365) (£1,365) (£1,365)
Monthly Rental   £540 £540 £540 £540 £540 £540 £540 £540 £540 £540 £540
Yield to Purchase Price %   2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35%
Yield to Property Value %   2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35% 2.35%
Gross Monthly Cashflow   (£826) (£826) (£826) (£826) (£826) (£826) (£826) (£826) (£826) (£826) (£826)
Gross Annual Cashflow   (£9,907) (£9,907) (£9,907) (£9,907) (£9,907) (£9,907) (£9,907) (£9,907) (£9,907) (£9,907) (£9,907)
Gross Annual Expenses                        
Annual Management Expenses   (£363) (£363) (£363) (£363) (£363) (£363) (£363) (£363) (£363) (£363) (£363)
Gross Annual Cashflow less Expenses   (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231)
Vacancy Expenses                        
Net Annual Cashflow   (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231) (£10,231)
Net Yield %   (3.71%) (3.71%) (3.71%) (3.71%) (3.71%) (3.71%) (3.71%) (3.71%) (3.71%) (3.71%) (3.71%)
Debt Coverage Ratio (1:x)   0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38
Personal Equity £68,958 £68,958 £75,138 £81,634 £88,463 £95,641 £103,186 £111,117 £119,454 £128,217 £137,429 £147,112
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   (£10,270) (£4,090) £2,406 £9,235 £16,413 £23,958 £31,889 £40,226 £48,989 £58,201 £67,884
Return on Investment %   (14.89%) (5.93%) 3.49% 13.39% 23.80% 34.74% 46.24% 58.33% 71.04% 84.40% 98.44%
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   (£10,270) (£4,008) £2,311 £8,692 £15,139 £21,656 £28,249 £34,921 £41,678 £48,525 £55,466
Real Return on Investment %   (14.89%) (5.81%) 3.35% 12.60% 21.95% 31.40% 40.96% 50.64% 60.44% 70.37% 80.43%