MK19 Beachampton, Calverton, Castlethorpe Cosgrove, Deanshanger, Hanslope, Haversham, Little Linford, Long Street, Old Stratford, Passenham, Upper Weald, Wicken cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £328,386
Input Equity (£82,097)
Total Input Equity (£82,097)
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 £328,386 £328,386 £328,386 £328,386 £328,386 £328,386 £328,386 £328,386 £328,386 £328,386 £328,386 £328,386
Finance Amount £246,290 £246,290 £238,932 £231,198 £223,069 £214,523 £205,541 £196,098 £186,173 £175,740 £164,773 £153,245
Monthly Mortgage   (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625)
Monthly Rental   £967 £967 £967 £967 £967 £967 £967 £967 £967 £967 £967
Yield to Purchase Price %   3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53%
Yield to Property Value %   3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53%
Gross Monthly Cashflow   (£659) (£659) (£659) (£659) (£659) (£659) (£659) (£659) (£659) (£659) (£659)
Gross Annual Cashflow   (£7,906) (£7,906) (£7,906) (£7,906) (£7,906) (£7,906) (£7,906) (£7,906) (£7,906) (£7,906) (£7,906)
Gross Annual Expenses                        
Annual Management Expenses   (£650) (£650) (£650) (£650) (£650) (£650) (£650) (£650) (£650) (£650) (£650)
Gross Annual Cashflow less Expenses   (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486)
Vacancy Expenses                        
Net Annual Cashflow   (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486) (£8,486)
Net Yield %   (2.58%) (2.58%) (2.58%) (2.58%) (2.58%) (2.58%) (2.58%) (2.58%) (2.58%) (2.58%) (2.58%)
Debt Coverage Ratio (1:x)   0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56
Personal Equity £82,097 £82,097 £89,454 £97,188 £105,317 £113,863 £122,845 £132,288 £142,213 £152,646 £163,613 £175,141
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   (£8,556) (£1,198) £6,536 £14,665 £23,211 £32,193 £41,636 £51,561 £61,994 £72,961 £84,489
Return on Investment %   (10.42%) (1.46%) 7.96% 17.86% 28.27% 39.21% 50.72% 62.81% 75.51% 88.87% 102.91%
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   (£8,556) (£1,174) £6,277 £13,803 £21,409 £29,100 £36,883 £44,761 £52,742 £60,831 £69,034
Real Return on Investment %   (10.42%) (1.43%) 7.65% 16.81% 26.08% 35.45% 44.93% 54.52% 64.24% 74.10% 84.09%