MK16 Astwood, Broughton, Chicheley, Filgrave, Gayhurst, Hardmead, Lathbury, Little Crawley, Moulsoe, North Crawley, Newport Pagnell, Sherington, Stoke Goldington, Tyringham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £414,289
Input Equity (£103,572)
Total Input Equity (£103,572)
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 £414,289 £414,289 £414,289 £414,289 £414,289 £414,289 £414,289 £414,289 £414,289 £414,289 £414,289 £414,289
Finance Amount £310,717 £310,717 £301,435 £291,678 £281,422 £270,641 £259,308 £247,396 £234,874 £221,712 £207,876 £193,333
Monthly Mortgage   (£2,051) (£2,051) (£2,051) (£2,051) (£2,051) (£2,051) (£2,051) (£2,051) (£2,051) (£2,051) (£2,051)
Monthly Rental   £1,061 £1,061 £1,061 £1,061 £1,061 £1,061 £1,061 £1,061 £1,061 £1,061 £1,061
Yield to Purchase Price %   3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07%
Yield to Property Value %   3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07%
Gross Monthly Cashflow   (£989) (£989) (£989) (£989) (£989) (£989) (£989) (£989) (£989) (£989) (£989)
Gross Annual Cashflow   (£11,870) (£11,870) (£11,870) (£11,870) (£11,870) (£11,870) (£11,870) (£11,870) (£11,870) (£11,870) (£11,870)
Gross Annual Expenses                        
Annual Management Expenses   (£713) (£713) (£713) (£713) (£713) (£713) (£713) (£713) (£713) (£713) (£713)
Gross Annual Cashflow less Expenses   (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507)
Vacancy Expenses                        
Net Annual Cashflow   (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507) (£12,507)
Net Yield %   (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%)
Debt Coverage Ratio (1:x)   0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49
Personal Equity £103,572 £103,572 £112,854 £122,611 £132,867 £143,648 £154,981 £166,893 £179,415 £192,577 £206,413 £220,956
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   (£12,584) (£3,301) £6,455 £16,712 £27,492 £38,825 £50,737 £63,259 £76,421 £90,257 £104,800
Return on Investment %   (12.15%) (3.19%) 6.23% 16.14% 26.54% 37.49% 48.99% 61.08% 73.79% 87.14% 101.19%
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   (£12,584) (£3,235) £6,200 £15,729 £25,358 £35,095 £44,945 £54,917 £65,016 £75,251 £85,630
Real Return on Investment %   (12.15%) (3.12%) 5.99% 15.19% 24.48% 33.88% 43.39% 53.02% 62.77% 72.66% 82.68%