LS13 Bramley, Rodley, Swinnow cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £138,328
Input Equity (£34,582)
Total Input Equity (£34,582)
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 £138,328 £138,328 £138,328 £138,328 £138,328 £138,328 £138,328 £138,328 £138,328 £138,328 £138,328 £138,328
Finance Amount £103,746 £103,746 £100,647 £97,389 £93,965 £90,365 £86,581 £82,604 £78,423 £74,028 £69,408 £64,552
Monthly Mortgage   (£685) (£685) (£685) (£685) (£685) (£685) (£685) (£685) (£685) (£685) (£685)
Monthly Rental   £579 £579 £579 £579 £579 £579 £579 £579 £579 £579 £579
Yield to Purchase Price %   5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02%
Yield to Property Value %   5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02% 5.02%
Gross Monthly Cashflow   (£106) (£106) (£106) (£106) (£106) (£106) (£106) (£106) (£106) (£106) (£106)
Gross Annual Cashflow   (£1,273) (£1,273) (£1,273) (£1,273) (£1,273) (£1,273) (£1,273) (£1,273) (£1,273) (£1,273) (£1,273)
Gross Annual Expenses                        
Annual Management Expenses   (£389) (£389) (£389) (£389) (£389) (£389) (£389) (£389) (£389) (£389) (£389)
Gross Annual Cashflow less Expenses   (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620)
Vacancy Expenses                        
Net Annual Cashflow   (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620) (£1,620)
Net Yield %   (1.17%) (1.17%) (1.17%) (1.17%) (1.17%) (1.17%) (1.17%) (1.17%) (1.17%) (1.17%) (1.17%)
Debt Coverage Ratio (1:x)   0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80
Personal Equity £34,582 £34,582 £37,681 £40,939 £44,363 £47,963 £51,747 £55,724 £59,905 £64,300 £68,920 £73,776
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   (£1,662) £1,437 £4,695 £8,119 £11,719 £15,503 £19,480 £23,661 £28,056 £32,676 £37,532
Return on Investment %   (4.81%) 4.16% 13.58% 23.48% 33.89% 44.83% 56.33% 68.42% 81.13% 94.49% 108.53%
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   (£1,662) £1,408 £4,509 £7,642 £10,809 £14,013 £17,256 £20,541 £23,869 £27,243 £30,666
Real Return on Investment %   (4.81%) 4.07% 13.04% 22.10% 31.26% 40.52% 49.90% 59.40% 69.02% 78.78% 88.68%