ME14 Maidstone, Bearsted, Grove Green cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £330,760
Input Equity (£82,690)
Total Input Equity (£82,690)
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 £330,760 £330,760 £330,760 £330,760 £330,760 £330,760 £330,760 £330,760 £330,760 £330,760 £330,760 £330,760
Finance Amount £248,070 £248,070 £240,659 £232,870 £224,681 £216,074 £207,026 £197,516 £187,519 £177,010 £165,964 £154,353
Monthly Mortgage   (£1,637) (£1,637) (£1,637) (£1,637) (£1,637) (£1,637) (£1,637) (£1,637) (£1,637) (£1,637) (£1,637)
Monthly Rental   £938 £938 £938 £938 £938 £938 £938 £938 £938 £938 £938
Yield to Purchase Price %   3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40%
Yield to Property Value %   3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40% 3.40%
Gross Monthly Cashflow   (£699) (£699) (£699) (£699) (£699) (£699) (£699) (£699) (£699) (£699) (£699)
Gross Annual Cashflow   (£8,393) (£8,393) (£8,393) (£8,393) (£8,393) (£8,393) (£8,393) (£8,393) (£8,393) (£8,393) (£8,393)
Gross Annual Expenses                        
Annual Management Expenses   (£630) (£630) (£630) (£630) (£630) (£630) (£630) (£630) (£630) (£630) (£630)
Gross Annual Cashflow less Expenses   (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956)
Vacancy Expenses                        
Net Annual Cashflow   (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956) (£8,956)
Net Yield %   (2.71%) (2.71%) (2.71%) (2.71%) (2.71%) (2.71%) (2.71%) (2.71%) (2.71%) (2.71%) (2.71%)
Debt Coverage Ratio (1:x)   0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54 0.54
Personal Equity £82,690 £82,690 £90,101 £97,890 £106,079 £114,686 £123,734 £133,244 £143,241 £153,750 £164,796 £176,407
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   (£9,024) (£1,613) £6,177 £14,365 £22,972 £32,020 £41,530 £51,528 £62,036 £73,082 £84,694
Return on Investment %   (10.91%) (1.95%) 7.47% 17.37% 27.78% 38.72% 50.22% 62.31% 75.02% 88.38% 102.42%
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   (£9,024) (£1,581) £5,932 £13,520 £21,189 £28,944 £36,789 £44,732 £52,778 £60,932 £69,201
Real Return on Investment %   (10.91%) (1.91%) 7.17% 16.35% 25.62% 35.00% 44.49% 54.10% 63.83% 73.69% 83.69%