LU4 Luton (West), Chalton, Leagrave cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £223,262
Input Equity (£55,816)
Total Input Equity (£55,816)
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 £223,262 £223,262 £223,262 £223,262 £223,262 £223,262 £223,262 £223,262 £223,262 £223,262 £223,262 £223,262
Finance Amount £167,447 £167,447 £162,444 £157,186 £151,659 £145,849 £139,742 £133,323 £126,575 £119,481 £112,025 £104,188
Monthly Mortgage   (£1,105) (£1,105) (£1,105) (£1,105) (£1,105) (£1,105) (£1,105) (£1,105) (£1,105) (£1,105) (£1,105)
Monthly Rental   £823 £823 £823 £823 £823 £823 £823 £823 £823 £823 £823
Yield to Purchase Price %   4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42%
Yield to Property Value %   4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42% 4.42%
Gross Monthly Cashflow   (£282) (£282) (£282) (£282) (£282) (£282) (£282) (£282) (£282) (£282) (£282)
Gross Annual Cashflow   (£3,387) (£3,387) (£3,387) (£3,387) (£3,387) (£3,387) (£3,387) (£3,387) (£3,387) (£3,387) (£3,387)
Gross Annual Expenses                        
Annual Management Expenses   (£553) (£553) (£553) (£553) (£553) (£553) (£553) (£553) (£553) (£553) (£553)
Gross Annual Cashflow less Expenses   (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881)
Vacancy Expenses                        
Net Annual Cashflow   (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881) (£3,881)
Net Yield %   (1.74%) (1.74%) (1.74%) (1.74%) (1.74%) (1.74%) (1.74%) (1.74%) (1.74%) (1.74%) (1.74%)
Debt Coverage Ratio (1:x)   0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.71
Personal Equity £55,816 £55,816 £60,818 £66,076 £71,603 £77,413 £83,520 £89,939 £96,687 £103,781 £111,237 £119,074
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   (£3,940) £1,062 £6,320 £11,847 £17,657 £23,764 £30,183 £36,931 £44,025 £51,481 £59,318
Return on Investment %   (7.06%) 1.90% 11.32% 21.23% 31.63% 42.58% 54.08% 66.17% 78.88% 92.23% 106.28%
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   (£3,940) £1,041 £6,070 £11,150 £16,286 £21,481 £26,738 £32,061 £37,455 £42,922 £48,467
Real Return on Investment %   (7.06%) 1.86% 10.87% 19.98% 29.18% 38.49% 47.90% 57.44% 67.10% 76.90% 86.84%