N15 South Tottenham, Harringay, West Green, Seven Sisters, Stamford Hill cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £467,859
Input Equity (£116,965)
Input Equity FX (£116,965)
Total Input Equity (£116,965)
Total Input Equity FX (£116,965)
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 £467,859 £467,859 £467,859 £467,859 £467,859 £467,859 £467,859 £467,859 £467,859 £467,859 £467,859 £467,859
Finance Amount £350,894 £350,894 £340,412 £329,393 £317,811 £305,636 £292,838 £279,386 £265,245 £250,381 £234,756 £218,332
Monthly Mortgage   (£2,316) (£2,316) (£2,316) (£2,316) (£2,316) (£2,316) (£2,316) (£2,316) (£2,316) (£2,316) (£2,316)
Monthly Rental   £1,461 £1,461 £1,461 £1,461 £1,461 £1,461 £1,461 £1,461 £1,461 £1,461 £1,461
Yield to Purchase Price %   3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75%
Yield to Property Value %   3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75% 3.75%
Gross Monthly Cashflow   (£855) (£855) (£855) (£855) (£855) (£855) (£855) (£855) (£855) (£855) (£855)
Gross Annual Cashflow   (£10,263) (£10,263) (£10,263) (£10,263) (£10,263) (£10,263) (£10,263) (£10,263) (£10,263) (£10,263) (£10,263)
Gross Annual Expenses                        
Annual Management Expenses   (£981) (£981) (£981) (£981) (£981) (£981) (£981) (£981) (£981) (£981) (£981)
Gross Annual Cashflow less Expenses   (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139)
Vacancy Expenses                        
Net Annual Cashflow   (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139) (£11,139)
Net Yield %   (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%) (2.38%)
Debt Coverage Ratio (1:x)   0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60
Personal Equity £116,965 £116,965 £127,447 £138,466 £150,048 £162,223 £175,021 £188,473 £202,614 £217,478 £233,103 £249,527
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   (£11,244) (£762) £10,256 £21,839 £34,014 £46,812 £60,264 £74,405 £89,269 £104,894 £121,318
Return on Investment %   (9.61%) (0.65%) 8.77% 18.67% 29.08% 40.02% 51.52% 63.61% 76.32% 89.68% 103.72%
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   (£11,244) (£747) £9,850 £20,555 £31,373 £42,314 £53,384 £64,593 £75,947 £87,455 £99,126
Real Return on Investment %   (9.61%) (0.64%) 8.42% 17.57% 26.82% 36.18% 45.64% 55.22% 64.93% 74.77% 84.75%