LS23 Boston Spa, Bramham, Clifford, Thorp Arch, Walton cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £389,042
Input Equity (£97,261)
Total Input Equity (£97,261)
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 £389,042 £389,042 £389,042 £389,042 £389,042 £389,042 £389,042 £389,042 £389,042 £389,042 £389,042 £389,042
Finance Amount £291,782 £291,782 £283,065 £273,903 £264,272 £254,148 £243,506 £232,320 £220,561 £208,201 £195,208 £181,551
Monthly Mortgage   (£1,926) (£1,926) (£1,926) (£1,926) (£1,926) (£1,926) (£1,926) (£1,926) (£1,926) (£1,926) (£1,926)
Monthly Rental   £833 £833 £833 £833 £833 £833 £833 £833 £833 £833 £833
Yield to Purchase Price %   2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57%
Yield to Property Value %   2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57% 2.57%
Gross Monthly Cashflow   (£1,092) (£1,092) (£1,092) (£1,092) (£1,092) (£1,092) (£1,092) (£1,092) (£1,092) (£1,092) (£1,092)
Gross Annual Cashflow   (£13,110) (£13,110) (£13,110) (£13,110) (£13,110) (£13,110) (£13,110) (£13,110) (£13,110) (£13,110) (£13,110)
Gross Annual Expenses                        
Annual Management Expenses   (£560) (£560) (£560) (£560) (£560) (£560) (£560) (£560) (£560) (£560) (£560)
Gross Annual Cashflow less Expenses   (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610)
Vacancy Expenses                        
Net Annual Cashflow   (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610) (£13,610)
Net Yield %   (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%) (3.50%)
Debt Coverage Ratio (1:x)   0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41
Personal Equity £97,261 £97,261 £105,977 £115,139 £124,770 £134,894 £145,536 £156,722 £168,481 £180,841 £193,834 £207,491
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   (£13,670) (£4,953) £4,209 £13,840 £23,964 £34,606 £45,792 £57,551 £69,911 £82,904 £96,561
Return on Investment %   (14.05%) (5.09%) 4.33% 14.23% 24.64% 35.58% 47.08% 59.17% 71.88% 85.24% 99.28%
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   (£13,670) (£4,854) £4,043 £13,026 £22,104 £31,281 £40,565 £49,962 £59,478 £69,121 £78,897
Real Return on Investment %   (14.05%) (4.99%) 4.16% 13.39% 22.73% 32.16% 41.71% 51.37% 61.15% 71.07% 81.12%