LU3 Luton (North), Lower Sundon, Streatley, Sundon cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £239,028
Input Equity (£59,757)
Total Input Equity (£59,757)
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 £239,028 £239,028 £239,028 £239,028 £239,028 £239,028 £239,028 £239,028 £239,028 £239,028 £239,028 £239,028
Finance Amount £179,271 £179,271 £173,916 £168,286 £162,369 £156,149 £149,610 £142,737 £135,513 £127,919 £119,936 £111,545
Monthly Mortgage   (£1,183) (£1,183) (£1,183) (£1,183) (£1,183) (£1,183) (£1,183) (£1,183) (£1,183) (£1,183) (£1,183)
Monthly Rental   £862 £862 £862 £862 £862 £862 £862 £862 £862 £862 £862
Yield to Purchase Price %   4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33%
Yield to Property Value %   4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33% 4.33%
Gross Monthly Cashflow   (£322) (£322) (£322) (£322) (£322) (£322) (£322) (£322) (£322) (£322) (£322)
Gross Annual Cashflow   (£3,859) (£3,859) (£3,859) (£3,859) (£3,859) (£3,859) (£3,859) (£3,859) (£3,859) (£3,859) (£3,859)
Gross Annual Expenses                        
Annual Management Expenses   (£579) (£579) (£579) (£579) (£579) (£579) (£579) (£579) (£579) (£579) (£579)
Gross Annual Cashflow less Expenses   (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376)
Vacancy Expenses                        
Net Annual Cashflow   (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376) (£4,376)
Net Yield %   (1.83%) (1.83%) (1.83%) (1.83%) (1.83%) (1.83%) (1.83%) (1.83%) (1.83%) (1.83%) (1.83%)
Debt Coverage Ratio (1:x)   0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
Personal Equity £59,757 £59,757 £65,112 £70,742 £76,659 £82,879 £89,418 £96,291 £103,515 £111,109 £119,092 £127,483
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   (£4,438) £918 £6,547 £12,464 £18,685 £25,223 £32,096 £39,320 £46,914 £54,897 £63,288
Return on Investment %   (7.43%) 1.54% 10.96% 20.86% 31.27% 42.21% 53.71% 65.80% 78.51% 91.87% 105.91%
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   (£4,438) £899 £6,288 £11,731 £17,234 £22,800 £28,432 £34,135 £39,913 £45,770 £51,711
Real Return on Investment %   (7.43%) 1.51% 10.52% 19.63% 28.84% 38.15% 47.58% 57.12% 66.79% 76.59% 86.54%