LU2 Luton (East), Chiltern Green, Cockernhoe, East Hyde, Lawrence End, Lilley, New Mill End, Peters Green, Tea Green, The Hyde, Wandon End, Wandon Green, Winch Hill cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £288,647
Input Equity (£72,162)
Total Input Equity (£72,162)
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 £288,647 £288,647 £288,647 £288,647 £288,647 £288,647 £288,647 £288,647 £288,647 £288,647 £288,647 £288,647
Finance Amount £216,485 £216,485 £210,018 £203,220 £196,074 £188,563 £180,667 £172,368 £163,644 £154,473 £144,833 £134,700
Monthly Mortgage   (£1,429) (£1,429) (£1,429) (£1,429) (£1,429) (£1,429) (£1,429) (£1,429) (£1,429) (£1,429) (£1,429)
Monthly Rental   £887 £887 £887 £887 £887 £887 £887 £887 £887 £887 £887
Yield to Purchase Price %   3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69%
Yield to Property Value %   3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69% 3.69%
Gross Monthly Cashflow   (£542) (£542) (£542) (£542) (£542) (£542) (£542) (£542) (£542) (£542) (£542)
Gross Annual Cashflow   (£6,505) (£6,505) (£6,505) (£6,505) (£6,505) (£6,505) (£6,505) (£6,505) (£6,505) (£6,505) (£6,505)
Gross Annual Expenses                        
Annual Management Expenses   (£596) (£596) (£596) (£596) (£596) (£596) (£596) (£596) (£596) (£596) (£596)
Gross Annual Cashflow less Expenses   (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037)
Vacancy Expenses                        
Net Annual Cashflow   (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037) (£7,037)
Net Yield %   (2.44%) (2.44%) (2.44%) (2.44%) (2.44%) (2.44%) (2.44%) (2.44%) (2.44%) (2.44%) (2.44%)
Debt Coverage Ratio (1:x)   0.59 0.59 0.59 0.59 0.59 0.59 0.59 0.59 0.59 0.59 0.59
Personal Equity £72,162 £72,162 £78,629 £85,427 £92,573 £100,084 £107,980 £116,279 £125,003 £134,174 £143,814 £153,947
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   (£7,101) (£634) £6,164 £13,310 £20,821 £28,717 £37,017 £45,741 £54,911 £64,551 £74,684
Return on Investment %   (9.84%) (0.88%) 8.54% 18.44% 28.85% 39.80% 51.30% 63.39% 76.09% 89.45% 103.50%
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   (£7,101) (£621) £5,920 £12,527 £19,205 £25,958 £32,791 £39,709 £46,717 £53,819 £61,022
Real Return on Investment %   (9.84%) (0.86%) 8.20% 17.36% 26.61% 35.97% 45.44% 55.03% 64.74% 74.58% 84.56%