ME5 Walderslade, Blue Bell Hill, Luton cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £245,309
Input Equity (£61,327)
Total Input Equity (£61,327)
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 £245,309 £245,309 £245,309 £245,309 £245,309 £245,309 £245,309 £245,309 £245,309 £245,309 £245,309 £245,309
Finance Amount £183,982 £183,982 £178,486 £172,708 £166,635 £160,252 £153,542 £146,488 £139,074 £131,280 £123,088 £114,476
Monthly Mortgage   (£1,214) (£1,214) (£1,214) (£1,214) (£1,214) (£1,214) (£1,214) (£1,214) (£1,214) (£1,214) (£1,214)
Monthly Rental   £796 £796 £796 £796 £796 £796 £796 £796 £796 £796 £796
Yield to Purchase Price %   3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90%
Yield to Property Value %   3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90% 3.90%
Gross Monthly Cashflow   (£418) (£418) (£418) (£418) (£418) (£418) (£418) (£418) (£418) (£418) (£418)
Gross Annual Cashflow   (£5,013) (£5,013) (£5,013) (£5,013) (£5,013) (£5,013) (£5,013) (£5,013) (£5,013) (£5,013) (£5,013)
Gross Annual Expenses                        
Annual Management Expenses   (£535) (£535) (£535) (£535) (£535) (£535) (£535) (£535) (£535) (£535) (£535)
Gross Annual Cashflow less Expenses   (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491)
Vacancy Expenses                        
Net Annual Cashflow   (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491) (£5,491)
Net Yield %   (2.24%) (2.24%) (2.24%) (2.24%) (2.24%) (2.24%) (2.24%) (2.24%) (2.24%) (2.24%) (2.24%)
Debt Coverage Ratio (1:x)   0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62
Personal Equity £61,327 £61,327 £66,823 £72,601 £78,674 £85,057 £91,767 £98,821 £106,235 £114,029 £122,221 £130,833
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   (£5,548) (£52) £5,725 £11,798 £18,182 £24,892 £31,945 £39,360 £47,153 £55,346 £63,957
Return on Investment %   (9.05%) (0.09%) 9.34% 19.24% 29.65% 40.59% 52.09% 64.18% 76.89% 90.25% 104.29%
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   (£5,548) (£51) £5,498 £11,104 £16,770 £22,500 £28,298 £34,169 £40,116 £46,144 £52,258
Real Return on Investment %   (9.05%) (0.08%) 8.97% 18.11% 27.35% 36.69% 46.14% 55.72% 65.41% 75.24% 85.21%