M11 Clayton, Openshaw, Beswick cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £102,148
Input Equity (£25,537)
Total Input Equity (£25,537)
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 £102,148 £102,148 £102,148 £102,148 £102,148 £102,148 £102,148 £102,148 £102,148 £102,148 £102,148 £102,148
Finance Amount £76,611 £76,611 £74,322 £71,917 £69,388 £66,730 £63,936 £60,999 £57,911 £54,666 £51,254 £47,669
Monthly Mortgage   (£506) (£506) (£506) (£506) (£506) (£506) (£506) (£506) (£506) (£506) (£506)
Monthly Rental   £576 £576 £576 £576 £576 £576 £576 £576 £576 £576 £576
Yield to Purchase Price %   6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77%
Yield to Property Value %   6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77% 6.77%
Gross Monthly Cashflow   £71 £71 £71 £71 £71 £71 £71 £71 £71 £71 £71
Gross Annual Cashflow   £850 £850 £850 £850 £850 £850 £850 £850 £850 £850 £850
Gross Annual Expenses                        
Annual Management Expenses   (£387) (£387) (£387) (£387) (£387) (£387) (£387) (£387) (£387) (£387) (£387)
Gross Annual Cashflow less Expenses   £504 £504 £504 £504 £504 £504 £504 £504 £504 £504 £504
Vacancy Expenses                        
Net Annual Cashflow   £504 £504 £504 £504 £504 £504 £504 £504 £504 £504 £504
Taxable Income   £850 £850 £850 £850 £850 £850 £850 £850 £850 £850 £850
Tax Payable                        
Net Annual Cashflow Less Tax   £504 £504 £504 £504 £504 £504 £504 £504 £504 £504 £504
Net Yield %   0.49% 0.49% 0.49% 0.49% 0.49% 0.49% 0.49% 0.49% 0.49% 0.49% 0.49%
Debt Coverage Ratio (1:x)   1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08 1.08
Personal Equity £25,537 £25,537 £27,826 £30,231 £32,760 £35,418 £38,212 £41,150 £44,237 £47,482 £50,894 £54,479
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   £463 £2,752 £5,157 £7,686 £10,344 £13,138 £16,075 £19,163 £22,408 £25,820 £29,405
Return on Investment %   1.81% 10.77% 20.20% 30.10% 40.51% 51.45% 62.95% 75.04% 87.75% 101.11% 115.15%
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   £463 £2,697 £4,953 £7,234 £9,541 £11,876 £14,240 £16,636 £19,064 £21,527 £24,026
Real Return on Investment %   1.81% 10.56% 19.40% 28.33% 37.36% 46.51% 55.76% 65.14% 74.65% 84.30% 94.08%