N1 Barnsbury, Canonbury, Kings Cross, Islington, Pentonville, De Beauvoir Town, Hoxton cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £688,070
Input Equity (£172,018)
Total Input Equity (£172,018)
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 £688,070 £688,070 £688,070 £688,070 £688,070 £688,070 £688,070 £688,070 £688,070 £688,070 £688,070 £688,070
Finance Amount £516,053 £516,053 £500,636 £484,432 £467,398 £449,492 £430,671 £410,887 £390,090 £368,229 £345,250 £321,096
Monthly Mortgage   (£3,406) (£3,406) (£3,406) (£3,406) (£3,406) (£3,406) (£3,406) (£3,406) (£3,406) (£3,406) (£3,406)
Monthly Rental   £2,081 £2,081 £2,081 £2,081 £2,081 £2,081 £2,081 £2,081 £2,081 £2,081 £2,081
Yield to Purchase Price %   3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63%
Yield to Property Value %   3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63% 3.63%
Gross Monthly Cashflow   (£1,325) (£1,325) (£1,325) (£1,325) (£1,325) (£1,325) (£1,325) (£1,325) (£1,325) (£1,325) (£1,325)
Gross Annual Cashflow   (£15,894) (£15,894) (£15,894) (£15,894) (£15,894) (£15,894) (£15,894) (£15,894) (£15,894) (£15,894) (£15,894)
Gross Annual Expenses                        
Annual Management Expenses   (£1,399) (£1,399) (£1,399) (£1,399) (£1,399) (£1,399) (£1,399) (£1,399) (£1,399) (£1,399) (£1,399)
Gross Annual Cashflow less Expenses   (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143)
Vacancy Expenses                        
Net Annual Cashflow   (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143) (£17,143)
Net Yield %   (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%) (2.49%)
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 £172,018 £172,018 £187,434 £203,638 £220,672 £238,578 £257,399 £277,183 £297,980 £319,841 £342,820 £366,974
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   (£17,293) (£1,877) £14,328 £31,362 £49,267 £68,089 £87,873 £108,670 £130,530 £153,509 £177,664
Return on Investment %   (10.05%) (1.09%) 8.33% 18.23% 28.64% 39.58% 51.08% 63.17% 75.88% 89.24% 103.28%
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   (£17,293) (£1,839) £13,761 £29,517 £45,442 £61,547 £77,842 £94,339 £111,050 £127,988 £145,164
Real Return on Investment %   (10.05%) (1.07%) 8.00% 17.16% 26.42% 35.78% 45.25% 54.84% 64.56% 74.40% 84.39%