MK18 Addington, Adstock, Akeley, Barton Hartshorn, Botolph Claydon, Buckingham, Calvert, Chackmore, Chetwode, Dadford, Dunton, East Claydon, Finmere, Foscott, Gawcott, Granborough, Hillesden, Hoggeston, Leckhamstead, Lillingstone Dayrell, Lillingstone Lovell, cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £471,368
Input Equity (£117,842)
Total Input Equity (£117,842)
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 £471,368 £471,368 £471,368 £471,368 £471,368 £471,368 £471,368 £471,368 £471,368 £471,368 £471,368 £471,368
Finance Amount £353,526 £353,526 £342,965 £331,864 £320,195 £307,928 £295,035 £281,481 £267,234 £252,259 £236,517 £219,969
Monthly Mortgage   (£2,333) (£2,333) (£2,333) (£2,333) (£2,333) (£2,333) (£2,333) (£2,333) (£2,333) (£2,333) (£2,333)
Monthly Rental   £1,086 £1,086 £1,086 £1,086 £1,086 £1,086 £1,086 £1,086 £1,086 £1,086 £1,086
Yield to Purchase Price %   2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77%
Yield to Property Value %   2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77% 2.77%
Gross Monthly Cashflow   (£1,247) (£1,247) (£1,247) (£1,247) (£1,247) (£1,247) (£1,247) (£1,247) (£1,247) (£1,247) (£1,247)
Gross Annual Cashflow   (£14,960) (£14,960) (£14,960) (£14,960) (£14,960) (£14,960) (£14,960) (£14,960) (£14,960) (£14,960) (£14,960)
Gross Annual Expenses                        
Annual Management Expenses   (£730) (£730) (£730) (£730) (£730) (£730) (£730) (£730) (£730) (£730) (£730)
Gross Annual Cashflow less Expenses   (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612)
Vacancy Expenses                        
Net Annual Cashflow   (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612) (£15,612)
Net Yield %   (3.31%) (3.31%) (3.31%) (3.31%) (3.31%) (3.31%) (3.31%) (3.31%) (3.31%) (3.31%) (3.31%)
Debt Coverage Ratio (1:x)   0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44 0.44
Personal Equity £117,842 £117,842 £128,403 £139,504 £151,173 £163,440 £176,333 £189,887 £204,134 £219,109 £234,851 £251,399
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   (£15,690) (£5,129) £5,972 £17,641 £29,908 £42,801 £56,355 £70,602 £85,577 £101,319 £117,867
Return on Investment %   (13.31%) (4.35%) 5.07% 14.97% 25.38% 36.32% 47.82% 59.91% 72.62% 85.98% 100.02%
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   (£15,690) (£5,027) £5,736 £16,604 £27,586 £38,689 £49,921 £61,291 £72,806 £84,475 £96,306
Real Return on Investment %   (13.31%) (4.27%) 4.87% 14.09% 23.41% 32.83% 42.36% 52.01% 61.78% 71.68% 81.72%