M31 Carrington, Partington cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £218,417
Input Equity (£54,604)
Total Input Equity (£54,604)
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 £218,417 £218,417 £218,417 £218,417 £218,417 £218,417 £218,417 £218,417 £218,417 £218,417 £218,417 £218,417
Finance Amount £163,813 £163,813 £158,919 £153,775 £148,368 £142,684 £136,710 £130,429 £123,828 £116,889 £109,594 £101,927
Monthly Mortgage   (£1,081) (£1,081) (£1,081) (£1,081) (£1,081) (£1,081) (£1,081) (£1,081) (£1,081) (£1,081) (£1,081)
Monthly Rental   £661 £661 £661 £661 £661 £661 £661 £661 £661 £661 £661
Yield to Purchase Price %   3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63%
Yield to Property Value %   3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63%
Gross Monthly Cashflow   (£420) (£420) (£420) (£420) (£420) (£420) (£420) (£420) (£420) (£420) (£420)
Gross Annual Cashflow   (£5,037) (£5,037) (£5,037) (£5,037) (£5,037) (£5,037) (£5,037) (£5,037) (£5,037) (£5,037) (£5,037)
Gross Annual Expenses                        
Annual Management Expenses   (£444) (£444) (£444) (£444) (£444) (£444) (£444) (£444) (£444) (£444) (£444)
Gross Annual Cashflow less Expenses   (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434)
Vacancy Expenses                        
Net Annual Cashflow   (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434) (£5,434)
Net Yield %   (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%)
Debt Coverage Ratio (1:x)   0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58
Personal Equity £54,604 £54,604 £59,498 £64,642 £70,049 £75,733 £81,707 £87,988 £94,589 £101,528 £108,823 £116,490
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   (£5,482) (£588) £4,556 £9,963 £15,647 £21,621 £27,902 £34,503 £41,442 £48,737 £56,404
Return on Investment %   (10.04%) (1.08%) 8.34% 18.25% 28.65% 39.60% 51.10% 63.19% 75.90% 89.25% 103.30%
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   (£5,482) (£576) £4,375 £9,377 £14,432 £19,544 £24,716 £29,953 £35,258 £40,634 £46,086
Real Return on Investment %   (10.04%) (1.06%) 8.01% 17.17% 26.43% 35.79% 45.26% 54.85% 64.57% 74.42% 84.40%