M46 Atherton cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £109,462
Input Equity (£27,366)
Total Input Equity (£27,366)
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 £109,462 £109,462 £109,462 £109,462 £109,462 £109,462 £109,462 £109,462 £109,462 £109,462 £109,462 £109,462
Finance Amount £82,097 £82,097 £79,644 £77,066 £74,356 £71,508 £68,514 £65,366 £62,058 £58,580 £54,924 £51,082
Monthly Mortgage   (£542) (£542) (£542) (£542) (£542) (£542) (£542) (£542) (£542) (£542) (£542)
Monthly Rental   £482 £482 £482 £482 £482 £482 £482 £482 £482 £482 £482
Yield to Purchase Price %   5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28%
Yield to Property Value %   5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28% 5.28%
Gross Monthly Cashflow   (£60) (£60) (£60) (£60) (£60) (£60) (£60) (£60) (£60) (£60) (£60)
Gross Annual Cashflow   (£723) (£723) (£723) (£723) (£723) (£723) (£723) (£723) (£723) (£723) (£723)
Gross Annual Expenses                        
Annual Management Expenses   (£324) (£324) (£324) (£324) (£324) (£324) (£324) (£324) (£324) (£324) (£324)
Gross Annual Cashflow less Expenses   (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011)
Vacancy Expenses                        
Net Annual Cashflow   (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011) (£1,011)
Net Yield %   (0.92%) (0.92%) (0.92%) (0.92%) (0.92%) (0.92%) (0.92%) (0.92%) (0.92%) (0.92%) (0.92%)
Debt Coverage Ratio (1:x)   0.84 0.84 0.84 0.84 0.84 0.84 0.84 0.84 0.84 0.84 0.84
Personal Equity £27,366 £27,366 £29,818 £32,396 £35,106 £37,954 £40,948 £44,096 £47,404 £50,882 £54,538 £58,380
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   (£1,046) £1,406 £3,984 £6,694 £9,543 £12,537 £15,684 £18,993 £22,470 £26,126 £29,969
Return on Investment %   (3.82%) 5.14% 14.56% 24.46% 34.87% 45.81% 57.31% 69.40% 82.11% 95.47% 109.51%
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   (£1,046) £1,378 £3,826 £6,300 £8,802 £11,332 £13,894 £16,488 £19,117 £21,782 £24,487
Real Return on Investment %   (3.82%) 5.04% 13.98% 23.02% 32.16% 41.41% 50.77% 60.25% 69.86% 79.60% 89.48%