N14 Southgate, Oakwood, Arnos Grove cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £605,114
Input Equity (£151,279)
Total Input Equity (£151,279)
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 £605,114 £605,114 £605,114 £605,114 £605,114 £605,114 £605,114 £605,114 £605,114 £605,114 £605,114 £605,114
Finance Amount £453,836 £453,836 £440,278 £426,027 £411,047 £395,300 £378,748 £361,349 £343,059 £323,834 £303,626 £282,383
Monthly Mortgage   (£2,995) (£2,995) (£2,995) (£2,995) (£2,995) (£2,995) (£2,995) (£2,995) (£2,995) (£2,995) (£2,995)
Monthly Rental   £1,370 £1,370 £1,370 £1,370 £1,370 £1,370 £1,370 £1,370 £1,370 £1,370 £1,370
Yield to Purchase Price %   2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72%
Yield to Property Value %   2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72% 2.72%
Gross Monthly Cashflow   (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625)
Gross Annual Cashflow   (£19,502) (£19,502) (£19,502) (£19,502) (£19,502) (£19,502) (£19,502) (£19,502) (£19,502) (£19,502) (£19,502)
Gross Annual Expenses                        
Annual Management Expenses   (£921) (£921) (£921) (£921) (£921) (£921) (£921) (£921) (£921) (£921) (£921)
Gross Annual Cashflow less Expenses   (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324)
Vacancy Expenses                        
Net Annual Cashflow   (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324) (£20,324)
Net Yield %   (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%) (3.36%)
Debt Coverage Ratio (1:x)   0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43
Personal Equity £151,279 £151,279 £164,836 £179,087 £194,067 £209,814 £226,366 £243,765 £262,055 £281,280 £301,488 £322,731
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   (£20,423) (£6,865) £7,386 £22,366 £38,113 £54,665 £72,064 £90,353 £109,578 £129,787 £151,029
Return on Investment %   (13.50%) (4.54%) 4.88% 14.78% 25.19% 36.14% 47.64% 59.73% 72.43% 85.79% 99.84%
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   (£20,423) (£6,728) £7,093 £21,051 £35,154 £49,413 £63,837 £78,438 £93,225 £108,210 £123,402
Real Return on Investment %   (13.50%) (4.45%) 4.69% 13.92% 23.24% 32.66% 42.20% 51.85% 61.62% 71.53% 81.57%