ME17 Hollingbourne, Hucking, Harrietsham, Lenham, Boughton Monchelsea, Linton, Coxheath, Chart Sutton, Sutton Valence cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £529,728
Input Equity (£132,432)
Total Input Equity (£132,432)
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 £529,728 £529,728 £529,728 £529,728 £529,728 £529,728 £529,728 £529,728 £529,728 £529,728 £529,728 £529,728
Finance Amount £397,296 £397,296 £385,428 £372,952 £359,838 £346,053 £331,563 £316,331 £300,321 £283,491 £265,800 £247,204
Monthly Mortgage   (£2,622) (£2,622) (£2,622) (£2,622) (£2,622) (£2,622) (£2,622) (£2,622) (£2,622) (£2,622) (£2,622)
Monthly Rental   £1,080 £1,080 £1,080 £1,080 £1,080 £1,080 £1,080 £1,080 £1,080 £1,080 £1,080
Yield to Purchase Price %   2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45%
Yield to Property Value %   2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45% 2.45%
Gross Monthly Cashflow   (£1,542) (£1,542) (£1,542) (£1,542) (£1,542) (£1,542) (£1,542) (£1,542) (£1,542) (£1,542) (£1,542)
Gross Annual Cashflow   (£18,499) (£18,499) (£18,499) (£18,499) (£18,499) (£18,499) (£18,499) (£18,499) (£18,499) (£18,499) (£18,499)
Gross Annual Expenses                        
Annual Management Expenses   (£726) (£726) (£726) (£726) (£726) (£726) (£726) (£726) (£726) (£726) (£726)
Gross Annual Cashflow less Expenses   (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147)
Vacancy Expenses                        
Net Annual Cashflow   (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147) (£19,147)
Net Yield %   (3.61%) (3.61%) (3.61%) (3.61%) (3.61%) (3.61%) (3.61%) (3.61%) (3.61%) (3.61%) (3.61%)
Debt Coverage Ratio (1:x)   0.39 0.39 0.39 0.39 0.39 0.39 0.39 0.39 0.39 0.39 0.39
Personal Equity £132,432 £132,432 £144,300 £156,776 £169,890 £183,675 £198,165 £213,397 £229,407 £246,237 £263,928 £282,524
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   (£19,225) (£7,356) £5,119 £18,233 £32,018 £46,508 £61,740 £77,751 £94,581 £112,272 £130,868
Return on Investment %   (14.52%) (5.55%) 3.87% 13.77% 24.18% 35.12% 46.62% 58.71% 71.42% 84.78% 98.82%
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   (£19,225) (£7,209) £4,917 £17,161 £29,533 £42,040 £54,692 £67,497 £80,466 £93,606 £106,928
Real Return on Investment %   (14.52%) (5.44%) 3.71% 12.96% 22.30% 31.74% 41.30% 50.97% 60.76% 70.68% 80.74%