MK45 Ampthill, Barton-le-Clay, Clophill, Cotton End, Flitton, Flitwick, Gravenhurst, Greenfield, Haynes, Haynes Church End, Herring's Green, Houghton Conquest, How End, Kempston Hardwick, Maulden, Millbrook, Pulloxhill, Sharpenhoe, Silsoe, Steppingley, Westoni cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £426,170
Input Equity (£106,543)
Total Input Equity (£106,543)
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 £426,170 £426,170 £426,170 £426,170 £426,170 £426,170 £426,170 £426,170 £426,170 £426,170 £426,170 £426,170
Finance Amount £319,628 £319,628 £310,079 £300,042 £289,492 £278,402 £266,745 £254,491 £241,610 £228,070 £213,838 £198,877
Monthly Mortgage   (£2,109) (£2,109) (£2,109) (£2,109) (£2,109) (£2,109) (£2,109) (£2,109) (£2,109) (£2,109) (£2,109)
Monthly Rental   £931 £931 £931 £931 £931 £931 £931 £931 £931 £931 £931
Yield to Purchase Price %   2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62%
Yield to Property Value %   2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62% 2.62%
Gross Monthly Cashflow   (£1,178) (£1,178) (£1,178) (£1,178) (£1,178) (£1,178) (£1,178) (£1,178) (£1,178) (£1,178) (£1,178)
Gross Annual Cashflow   (£14,138) (£14,138) (£14,138) (£14,138) (£14,138) (£14,138) (£14,138) (£14,138) (£14,138) (£14,138) (£14,138)
Gross Annual Expenses                        
Annual Management Expenses   (£626) (£626) (£626) (£626) (£626) (£626) (£626) (£626) (£626) (£626) (£626)
Gross Annual Cashflow less Expenses   (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697)
Vacancy Expenses                        
Net Annual Cashflow   (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697) (£14,697)
Net Yield %   (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%) (3.45%)
Debt Coverage Ratio (1:x)   0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42
Personal Equity £106,543 £106,543 £116,091 £126,128 £136,678 £147,768 £159,425 £171,679 £184,560 £198,100 £212,332 £227,293
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   (£14,764) (£5,216) £4,821 £15,371 £26,461 £38,119 £50,373 £63,253 £76,793 £91,026 £105,986
Return on Investment %   (13.86%) (4.90%) 4.52% 14.43% 24.84% 35.78% 47.28% 59.37% 72.08% 85.44% 99.48%
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   (£14,764) (£5,111) £4,630 £14,467 £24,407 £34,456 £44,622 £54,912 £65,333 £75,892 £86,599
Real Return on Investment %   (13.86%) (4.80%) 4.35% 13.58% 22.91% 32.34% 41.88% 51.54% 61.32% 71.23% 81.28%