LS29 Addingham, Ben Rhydding, Burley in Wharfedale, Ilkley, Menston cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £432,451
Input Equity (£108,113)
Total Input Equity (£108,113)
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 £432,451 £432,451 £432,451 £432,451 £432,451 £432,451 £432,451 £432,451 £432,451 £432,451 £432,451 £432,451
Finance Amount £324,338 £324,338 £314,649 £304,465 £293,759 £282,505 £270,676 £258,242 £245,171 £231,432 £216,989 £201,808
Monthly Mortgage   (£2,140) (£2,140) (£2,140) (£2,140) (£2,140) (£2,140) (£2,140) (£2,140) (£2,140) (£2,140) (£2,140)
Monthly Rental   £791 £791 £791 £791 £791 £791 £791 £791 £791 £791 £791
Yield to Purchase Price %   2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20%
Yield to Property Value %   2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20%
Gross Monthly Cashflow   (£1,349) (£1,349) (£1,349) (£1,349) (£1,349) (£1,349) (£1,349) (£1,349) (£1,349) (£1,349) (£1,349)
Gross Annual Cashflow   (£16,189) (£16,189) (£16,189) (£16,189) (£16,189) (£16,189) (£16,189) (£16,189) (£16,189) (£16,189) (£16,189)
Gross Annual Expenses                        
Annual Management Expenses   (£532) (£532) (£532) (£532) (£532) (£532) (£532) (£532) (£532) (£532) (£532)
Gross Annual Cashflow less Expenses   (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664)
Vacancy Expenses                        
Net Annual Cashflow   (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664) (£16,664)
Net Yield %   (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%)
Debt Coverage Ratio (1:x)   0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35
Personal Equity £108,113 £108,113 £117,802 £127,986 £138,692 £149,946 £161,775 £174,209 £187,280 £201,019 £215,462 £230,643
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   (£16,721) (£7,032) £3,152 £13,858 £25,112 £36,941 £49,375 £62,446 £76,185 £90,628 £105,809
Return on Investment %   (15.47%) (6.50%) 2.92% 12.82% 23.23% 34.17% 45.67% 57.76% 70.47% 83.83% 97.87%
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   (£16,721) (£6,892) £3,028 £13,043 £23,162 £33,392 £43,739 £54,211 £64,816 £75,561 £86,454
Real Return on Investment %   (15.47%) (6.37%) 2.80% 12.06% 21.42% 30.89% 40.46% 50.14% 59.95% 69.89% 79.97%