N13 Palmers Green cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £511,961
Input Equity (£127,990)
Input Equity FX (£127,990)
Total Input Equity (£127,990)
Total Input Equity FX (£127,990)
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 £511,961 £511,961 £511,961 £511,961 £511,961 £511,961 £511,961 £511,961 £511,961 £511,961 £511,961 £511,961
Finance Amount £383,971 £383,971 £372,500 £360,443 £347,769 £334,446 £320,442 £305,722 £290,248 £273,982 £256,885 £238,912
Monthly Mortgage   (£2,534) (£2,534) (£2,534) (£2,534) (£2,534) (£2,534) (£2,534) (£2,534) (£2,534) (£2,534) (£2,534)
Monthly Rental   £1,248 £1,248 £1,248 £1,248 £1,248 £1,248 £1,248 £1,248 £1,248 £1,248 £1,248
Yield to Purchase Price %   2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93%
Yield to Property Value %   2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93% 2.93%
Gross Monthly Cashflow   (£1,286) (£1,286) (£1,286) (£1,286) (£1,286) (£1,286) (£1,286) (£1,286) (£1,286) (£1,286) (£1,286)
Gross Annual Cashflow   (£15,430) (£15,430) (£15,430) (£15,430) (£15,430) (£15,430) (£15,430) (£15,430) (£15,430) (£15,430) (£15,430)
Gross Annual Expenses                        
Annual Management Expenses   (£839) (£839) (£839) (£839) (£839) (£839) (£839) (£839) (£839) (£839) (£839)
Gross Annual Cashflow less Expenses   (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179)
Vacancy Expenses                        
Net Annual Cashflow   (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179) (£16,179)
Net Yield %   (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%)
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 £127,990 £127,990 £139,461 £151,518 £164,192 £177,515 £191,519 £206,239 £221,713 £237,979 £255,076 £273,049
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   (£16,269) (£4,798) £7,259 £19,933 £33,255 £47,260 £61,980 £77,454 £93,720 £110,817 £128,789
Return on Investment %   (12.71%) (3.75%) 5.67% 15.57% 25.98% 36.92% 48.43% 60.52% 73.22% 86.58% 100.62%
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   (£16,269) (£4,702) £6,971 £18,761 £30,674 £42,719 £54,905 £67,240 £79,733 £92,394 £105,230
Real Return on Investment %   (12.71%) (3.67%) 5.45% 14.66% 23.97% 33.38% 42.90% 52.54% 62.30% 72.19% 82.22%