M12 Ardwick, Longsight, Chorlton-on-Medlock cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £124,476
Input Equity (£31,119)
Total Input Equity (£31,119)
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 £124,476 £124,476 £124,476 £124,476 £124,476 £124,476 £124,476 £124,476 £124,476 £124,476 £124,476 £124,476
Finance Amount £93,357 £93,357 £90,568 £87,637 £84,555 £81,316 £77,911 £74,332 £70,570 £66,615 £62,458 £58,088
Monthly Mortgage   (£616) (£616) (£616) (£616) (£616) (£616) (£616) (£616) (£616) (£616) (£616)
Monthly Rental   £676 £676 £676 £676 £676 £676 £676 £676 £676 £676 £676
Yield to Purchase Price %   6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52%
Yield to Property Value %   6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52% 6.52%
Gross Monthly Cashflow   £60 £60 £60 £60 £60 £60 £60 £60 £60 £60 £60
Gross Annual Cashflow   £718 £718 £718 £718 £718 £718 £718 £718 £718 £718 £718
Gross Annual Expenses                        
Annual Management Expenses   (£454) (£454) (£454) (£454) (£454) (£454) (£454) (£454) (£454) (£454) (£454)
Gross Annual Cashflow less Expenses   £313 £313 £313 £313 £313 £313 £313 £313 £313 £313 £313
Vacancy Expenses                        
Net Annual Cashflow   £313 £313 £313 £313 £313 £313 £313 £313 £313 £313 £313
Taxable Income   £718 £718 £718 £718 £718 £718 £718 £718 £718 £718 £718
Tax Payable                        
Net Annual Cashflow Less Tax   £313 £313 £313 £313 £313 £313 £313 £313 £313 £313 £313
Net Yield %   0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25% 0.25%
Debt Coverage Ratio (1:x)   1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04 1.04
Personal Equity £31,119 £31,119 £33,908 £36,839 £39,921 £43,160 £46,565 £50,144 £53,906 £57,861 £62,018 £66,388
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   £264 £3,053 £5,984 £9,066 £12,305 £15,710 £19,289 £23,051 £27,006 £31,163 £35,533
Return on Investment %   0.85% 9.81% 19.23% 29.13% 39.54% 50.48% 61.99% 74.07% 86.78% 100.14% 114.18%
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   £264 £2,992 £5,747 £8,533 £11,350 £14,201 £17,087 £20,011 £22,976 £25,982 £29,033
Real Return on Investment %   0.85% 9.61% 18.47% 27.42% 36.47% 45.63% 54.91% 64.31% 73.83% 83.49% 93.30%