ML12 Biggar, Broughton, Symington, Wanlockhead cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £187,171
Input Equity (£46,793)
Total Input Equity (£46,793)
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 £187,171 £187,171 £187,171 £187,171 £187,171 £187,171 £187,171 £187,171 £187,171 £187,171 £187,171 £187,171
Finance Amount £140,378 £140,378 £136,185 £131,777 £127,143 £122,272 £117,152 £111,771 £106,114 £100,167 £93,916 £87,345
Monthly Mortgage   (£926) (£926) (£926) (£926) (£926) (£926) (£926) (£926) (£926) (£926) (£926)
Monthly Rental   £563 £563 £563 £563 £563 £563 £563 £563 £563 £563 £563
Yield to Purchase Price %   3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61%
Yield to Property Value %   3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61% 3.61%
Gross Monthly Cashflow   (£364) (£364) (£364) (£364) (£364) (£364) (£364) (£364) (£364) (£364) (£364)
Gross Annual Cashflow   (£4,366) (£4,366) (£4,366) (£4,366) (£4,366) (£4,366) (£4,366) (£4,366) (£4,366) (£4,366) (£4,366)
Gross Annual Expenses                        
Annual Management Expenses   (£378) (£378) (£378) (£378) (£378) (£378) (£378) (£378) (£378) (£378) (£378)
Gross Annual Cashflow less Expenses   (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704)
Vacancy Expenses                        
Net Annual Cashflow   (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704) (£4,704)
Net Yield %   (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%) (2.51%)
Debt Coverage Ratio (1:x)   0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58 0.58
Personal Equity £46,793 £46,793 £50,986 £55,394 £60,028 £64,899 £70,019 £75,400 £81,057 £87,004 £93,255 £99,826
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   (£4,745) (£551) £3,857 £8,491 £13,361 £18,481 £23,863 £29,520 £35,467 £41,718 £48,288
Return on Investment %   (10.14%) (1.18%) 8.24% 18.15% 28.55% 39.50% 51.00% 63.09% 75.80% 89.15% 103.20%
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   (£4,745) (£540) £3,704 £7,991 £12,324 £16,706 £21,139 £25,627 £30,174 £34,782 £39,455
Real Return on Investment %   (10.14%) (1.15%) 7.92% 17.08% 26.34% 35.70% 45.18% 54.77% 64.48% 74.33% 84.32%