N20 Whetstone, Totteridge, Oakleigh Park cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £917,905
Input Equity (£229,476)
Input Equity FX (£229,476)
Total Input Equity (£229,476)
Total Input Equity FX (£229,476)
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 £917,905 £917,905 £917,905 £917,905 £917,905 £917,905 £917,905 £917,905 £917,905 £917,905 £917,905 £917,905
Finance Amount £688,429 £688,429 £667,863 £646,246 £623,522 £599,636 £574,527 £548,134 £520,391 £491,228 £460,574 £428,351
Monthly Mortgage   (£4,543) (£4,543) (£4,543) (£4,543) (£4,543) (£4,543) (£4,543) (£4,543) (£4,543) (£4,543) (£4,543)
Monthly Rental   £2,151 £2,151 £2,151 £2,151 £2,151 £2,151 £2,151 £2,151 £2,151 £2,151 £2,151
Yield to Purchase Price %   2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81%
Yield to Property Value %   2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81% 2.81%
Gross Monthly Cashflow   (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393) (£2,393)
Gross Annual Cashflow   (£28,713) (£28,713) (£28,713) (£28,713) (£28,713) (£28,713) (£28,713) (£28,713) (£28,713) (£28,713) (£28,713)
Gross Annual Expenses                        
Annual Management Expenses   (£1,445) (£1,445) (£1,445) (£1,445) (£1,445) (£1,445) (£1,445) (£1,445) (£1,445) (£1,445) (£1,445)
Gross Annual Cashflow less Expenses   (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003)
Vacancy Expenses                        
Net Annual Cashflow   (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003) (£30,003)
Net Yield %   (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%) (3.27%)
Debt Coverage Ratio (1:x)   0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45 0.45
Personal Equity £229,476 £229,476 £250,042 £271,659 £294,383 £318,269 £343,378 £369,771 £397,514 £426,677 £457,331 £489,554
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   (£30,158) (£9,592) £12,025 £34,749 £58,635 £83,744 £110,137 £137,880 £167,042 £197,697 £229,920
Return on Investment %   (13.14%) (4.18%) 5.24% 15.14% 25.55% 36.49% 47.99% 60.08% 72.79% 86.15% 100.19%
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   (£30,158) (£9,400) £11,549 £32,706 £54,083 £75,698 £97,564 £119,697 £142,114 £164,830 £187,861
Real Return on Investment %   (13.14%) (4.10%) 5.03% 14.25% 23.57% 32.99% 42.52% 52.16% 61.93% 71.83% 81.87%