N3 Finchley, Church End, Finchley Central cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £609,886
Input Equity (£152,472)
Total Input Equity (£152,472)
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 £609,886 £609,886 £609,886 £609,886 £609,886 £609,886 £609,886 £609,886 £609,886 £609,886 £609,886 £609,886
Finance Amount £457,415 £457,415 £443,750 £429,387 £414,288 £398,417 £381,735 £364,198 £345,765 £326,388 £306,020 £284,610
Monthly Mortgage   (£3,019) (£3,019) (£3,019) (£3,019) (£3,019) (£3,019) (£3,019) (£3,019) (£3,019) (£3,019) (£3,019)
Monthly Rental   £1,637 £1,637 £1,637 £1,637 £1,637 £1,637 £1,637 £1,637 £1,637 £1,637 £1,637
Yield to Purchase Price %   3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22%
Yield to Property Value %   3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22% 3.22%
Gross Monthly Cashflow   (£1,381) (£1,381) (£1,381) (£1,381) (£1,381) (£1,381) (£1,381) (£1,381) (£1,381) (£1,381) (£1,381)
Gross Annual Cashflow   (£16,576) (£16,576) (£16,576) (£16,576) (£16,576) (£16,576) (£16,576) (£16,576) (£16,576) (£16,576) (£16,576)
Gross Annual Expenses                        
Annual Management Expenses   (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100)
Gross Annual Cashflow less Expenses   (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558)
Vacancy Expenses                        
Net Annual Cashflow   (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558) (£17,558)
Net Yield %   (2.88%) (2.88%) (2.88%) (2.88%) (2.88%) (2.88%) (2.88%) (2.88%) (2.88%) (2.88%) (2.88%)
Debt Coverage Ratio (1:x)   0.52 0.52 0.52 0.52 0.52 0.52 0.52 0.52 0.52 0.52 0.52
Personal Equity £152,472 £152,472 £166,136 £180,499 £195,598 £211,469 £228,151 £245,688 £264,121 £283,498 £303,866 £325,276
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   (£17,676) (£4,012) £10,352 £25,450 £41,321 £58,004 £75,540 £93,973 £113,350 £133,718 £155,128
Return on Investment %   (11.59%) (2.63%) 6.79% 16.69% 27.10% 38.04% 49.54% 61.63% 74.34% 87.70% 101.74%
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   (£17,676) (£3,932) £9,942 £23,953 £38,113 £52,431 £66,916 £81,581 £96,434 £111,487 £126,751
Real Return on Investment %   (11.59%) (2.58%) 6.52% 15.71% 25.00% 34.39% 43.89% 53.51% 63.25% 73.12% 83.13%