LU6 Dunstable (West), Eaton Bray, Edlesborough, Holywell, Kensworth, Northall, Sewell, Studham, Totternhoe, Whipsnade cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £413,307
Input Equity (£103,327)
Total Input Equity (£103,327)
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 £413,307 £413,307 £413,307 £413,307 £413,307 £413,307 £413,307 £413,307 £413,307 £413,307 £413,307 £413,307
Finance Amount £309,980 £309,980 £300,720 £290,986 £280,755 £269,999 £258,694 £246,810 £234,318 £221,186 £207,384 £192,874
Monthly Mortgage   (£2,046) (£2,046) (£2,046) (£2,046) (£2,046) (£2,046) (£2,046) (£2,046) (£2,046) (£2,046) (£2,046)
Monthly Rental   £920 £920 £920 £920 £920 £920 £920 £920 £920 £920 £920
Yield to Purchase Price %   2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67%
Yield to Property Value %   2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67% 2.67%
Gross Monthly Cashflow   (£1,126) (£1,126) (£1,126) (£1,126) (£1,126) (£1,126) (£1,126) (£1,126) (£1,126) (£1,126) (£1,126)
Gross Annual Cashflow   (£13,513) (£13,513) (£13,513) (£13,513) (£13,513) (£13,513) (£13,513) (£13,513) (£13,513) (£13,513) (£13,513)
Gross Annual Expenses                        
Annual Management Expenses   (£618) (£618) (£618) (£618) (£618) (£618) (£618) (£618) (£618) (£618) (£618)
Gross Annual Cashflow less Expenses   (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065)
Vacancy Expenses                        
Net Annual Cashflow   (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065) (£14,065)
Net Yield %   (3.40%) (3.40%) (3.40%) (3.40%) (3.40%) (3.40%) (3.40%) (3.40%) (3.40%) (3.40%) (3.40%)
Debt Coverage Ratio (1:x)   0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43
Personal Equity £103,327 £103,327 £112,587 £122,321 £132,553 £143,308 £154,613 £166,497 £178,989 £192,121 £205,923 £220,433
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   (£14,131) (£4,871) £4,863 £15,095 £25,850 £37,156 £49,040 £61,532 £74,663 £88,466 £102,975
Return on Investment %   (13.68%) (4.71%) 4.71% 14.61% 25.02% 35.96% 47.46% 59.55% 72.26% 85.62% 99.66%
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   (£14,131) (£4,773) £4,670 £14,207 £23,843 £33,586 £43,442 £53,417 £63,520 £73,758 £84,138
Real Return on Investment %   (13.68%) (4.62%) 4.52% 13.75% 23.08% 32.50% 42.04% 51.70% 61.48% 71.38% 81.43%