MK44 Begwary, Bletsoe, Blunham, Bolnhurst, Cardington, Chawston, Colesden, Colmworth, Cople, Duck's Cross, Great Barford, Keysoe, Keysoe Row, Kingsbrook, Knotting, Knotting Green, Little Staughton, Melchbourne, Milton Ernest, Mogerhanger, Newton Bromswold, Per cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £409,830
Input Equity (£102,458)
Total Input Equity (£102,458)
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 £409,830 £409,830 £409,830 £409,830 £409,830 £409,830 £409,830 £409,830 £409,830 £409,830 £409,830 £409,830
Finance Amount £307,373 £307,373 £298,190 £288,538 £278,393 £267,728 £256,517 £244,733 £232,346 £219,326 £205,639 £191,252
Monthly Mortgage   (£2,029) (£2,029) (£2,029) (£2,029) (£2,029) (£2,029) (£2,029) (£2,029) (£2,029) (£2,029) (£2,029)
Monthly Rental   £1,024 £1,024 £1,024 £1,024 £1,024 £1,024 £1,024 £1,024 £1,024 £1,024 £1,024
Yield to Purchase Price %   3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%
Yield to Property Value %   3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00% 3.00%
Gross Monthly Cashflow   (£1,004) (£1,004) (£1,004) (£1,004) (£1,004) (£1,004) (£1,004) (£1,004) (£1,004) (£1,004) (£1,004)
Gross Annual Cashflow   (£12,051) (£12,051) (£12,051) (£12,051) (£12,051) (£12,051) (£12,051) (£12,051) (£12,051) (£12,051) (£12,051)
Gross Annual Expenses                        
Annual Management Expenses   (£688) (£688) (£688) (£688) (£688) (£688) (£688) (£688) (£688) (£688) (£688)
Gross Annual Cashflow less Expenses   (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665)
Vacancy Expenses                        
Net Annual Cashflow   (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665) (£12,665)
Net Yield %   (3.09%) (3.09%) (3.09%) (3.09%) (3.09%) (3.09%) (3.09%) (3.09%) (3.09%) (3.09%) (3.09%)
Debt Coverage Ratio (1:x)   0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48
Personal Equity £102,458 £102,458 £111,640 £121,292 £131,437 £142,102 £153,313 £165,097 £177,484 £190,504 £204,191 £218,578
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   (£12,739) (£3,557) £6,095 £16,241 £26,906 £38,116 £49,900 £62,287 £75,308 £88,995 £103,382
Return on Investment %   (12.43%) (3.47%) 5.95% 15.85% 26.26% 37.20% 48.70% 60.79% 73.50% 86.86% 100.90%
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   (£12,739) (£3,486) £5,854 £15,286 £24,817 £34,454 £44,204 £54,073 £64,069 £74,199 £84,470
Real Return on Investment %   (12.43%) (3.40%) 5.71% 14.92% 24.22% 33.63% 43.14% 52.78% 62.53% 72.42% 82.44%