M1 Piccadilly, Northern Quarter, Manchester City Centre cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £150,238
Input Equity (£37,560)
Total Input Equity (£37,560)
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 £150,238 £150,238 £150,238 £150,238 £150,238 £150,238 £150,238 £150,238 £150,238 £150,238 £150,238 £150,238
Finance Amount £112,679 £112,679 £109,312 £105,774 £102,055 £98,145 £94,036 £89,716 £85,175 £80,402 £75,384 £70,110
Monthly Mortgage   (£744) (£744) (£744) (£744) (£744) (£744) (£744) (£744) (£744) (£744) (£744)
Monthly Rental   £863 £863 £863 £863 £863 £863 £863 £863 £863 £863 £863
Yield to Purchase Price %   6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90%
Yield to Property Value %   6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90% 6.90%
Gross Monthly Cashflow   £120 £120 £120 £120 £120 £120 £120 £120 £120 £120 £120
Gross Annual Cashflow   £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435
Gross Annual Expenses                        
Annual Management Expenses   (£580) (£580) (£580) (£580) (£580) (£580) (£580) (£580) (£580) (£580) (£580)
Gross Annual Cashflow less Expenses   £918 £918 £918 £918 £918 £918 £918 £918 £918 £918 £918
Vacancy Expenses                        
Net Annual Cashflow   £918 £918 £918 £918 £918 £918 £918 £918 £918 £918 £918
Taxable Income   £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435 £1,435
Tax Payable                        
Net Annual Cashflow Less Tax   £918 £918 £918 £918 £918 £918 £918 £918 £918 £918 £918
Net Yield %   0.61% 0.61% 0.61% 0.61% 0.61% 0.61% 0.61% 0.61% 0.61% 0.61% 0.61%
Debt Coverage Ratio (1:x)   1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10 1.10
Personal Equity £37,560 £37,560 £40,926 £44,464 £48,183 £52,093 £56,202 £60,522 £65,063 £69,836 £74,854 £80,128
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   £855 £4,221 £7,760 £11,479 £15,389 £19,498 £23,818 £28,359 £33,132 £38,149 £43,424
Return on Investment %   2.28% 11.24% 20.66% 30.56% 40.97% 51.91% 63.41% 75.50% 88.21% 101.57% 115.61%
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   £855 £4,137 £7,452 £10,804 £14,194 £17,625 £21,099 £24,619 £28,188 £31,807 £35,480
Real Return on Investment %   2.28% 11.01% 19.84% 28.76% 37.79% 46.93% 56.17% 65.55% 75.05% 84.68% 94.46%