N10 Muswell Hill cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £641,459
Input Equity (£160,365)
Total Input Equity (£160,365)
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 £641,459 £641,459 £641,459 £641,459 £641,459 £641,459 £641,459 £641,459 £641,459 £641,459 £641,459 £641,459
Finance Amount £481,094 £481,094 £466,722 £451,615 £435,735 £419,043 £401,497 £383,052 £363,665 £343,285 £321,863 £299,344
Monthly Mortgage   (£3,175) (£3,175) (£3,175) (£3,175) (£3,175) (£3,175) (£3,175) (£3,175) (£3,175) (£3,175) (£3,175)
Monthly Rental   £1,558 £1,558 £1,558 £1,558 £1,558 £1,558 £1,558 £1,558 £1,558 £1,558 £1,558
Yield to Purchase Price %   2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91%
Yield to Property Value %   2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91% 2.91%
Gross Monthly Cashflow   (£1,617) (£1,617) (£1,617) (£1,617) (£1,617) (£1,617) (£1,617) (£1,617) (£1,617) (£1,617) (£1,617)
Gross Annual Cashflow   (£19,403) (£19,403) (£19,403) (£19,403) (£19,403) (£19,403) (£19,403) (£19,403) (£19,403) (£19,403) (£19,403)
Gross Annual Expenses                        
Annual Management Expenses   (£1,047) (£1,047) (£1,047) (£1,047) (£1,047) (£1,047) (£1,047) (£1,047) (£1,047) (£1,047) (£1,047)
Gross Annual Cashflow less Expenses   (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338)
Vacancy Expenses                        
Net Annual Cashflow   (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338) (£20,338)
Net Yield %   (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%) (3.17%)
Debt Coverage Ratio (1:x)   0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47
Personal Equity £160,365 £160,365 £174,737 £189,844 £205,724 £222,416 £239,962 £258,407 £277,794 £298,174 £319,596 £342,115
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   (£20,450) (£6,079) £9,029 £24,909 £41,601 £59,147 £77,592 £96,979 £117,359 £138,781 £161,300
Return on Investment %   (12.75%) (3.79%) 5.63% 15.53% 25.94% 36.88% 48.38% 60.47% 73.18% 86.54% 100.58%
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   (£20,450) (£5,957) £8,671 £23,444 £38,371 £53,465 £68,734 £84,190 £99,845 £115,709 £131,794
Real Return on Investment %   (12.75%) (3.71%) 5.41% 14.62% 23.93% 33.34% 42.86% 52.50% 62.26% 72.15% 82.18%