N4 Finsbury Park, Manor House, Harringay, Stroud Green cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £507,236
Input Equity (£126,809)
Total Input Equity (£126,809)
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 £507,236 £507,236 £507,236 £507,236 £507,236 £507,236 £507,236 £507,236 £507,236 £507,236 £507,236 £507,236
Finance Amount £380,427 £380,427 £369,062 £357,116 £344,559 £331,360 £317,485 £302,900 £287,569 £271,454 £254,514 £236,707
Monthly Mortgage   (£2,511) (£2,511) (£2,511) (£2,511) (£2,511) (£2,511) (£2,511) (£2,511) (£2,511) (£2,511) (£2,511)
Monthly Rental   £1,592 £1,592 £1,592 £1,592 £1,592 £1,592 £1,592 £1,592 £1,592 £1,592 £1,592
Yield to Purchase Price %   3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77%
Yield to Property Value %   3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77% 3.77%
Gross Monthly Cashflow   (£919) (£919) (£919) (£919) (£919) (£919) (£919) (£919) (£919) (£919) (£919)
Gross Annual Cashflow   (£11,026) (£11,026) (£11,026) (£11,026) (£11,026) (£11,026) (£11,026) (£11,026) (£11,026) (£11,026) (£11,026)
Gross Annual Expenses                        
Annual Management Expenses   (£1,070) (£1,070) (£1,070) (£1,070) (£1,070) (£1,070) (£1,070) (£1,070) (£1,070) (£1,070) (£1,070)
Gross Annual Cashflow less Expenses   (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981)
Vacancy Expenses                        
Net Annual Cashflow   (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981) (£11,981)
Net Yield %   (2.36%) (2.36%) (2.36%) (2.36%) (2.36%) (2.36%) (2.36%) (2.36%) (2.36%) (2.36%) (2.36%)
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 £126,809 £126,809 £138,174 £150,120 £162,677 £175,876 £189,751 £204,336 £219,667 £235,782 £252,722 £270,529
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   (£12,095) (£731) £11,215 £23,772 £36,972 £50,847 £65,432 £80,762 £96,878 £113,818 £131,624
Return on Investment %   (9.54%) (0.58%) 8.84% 18.75% 29.16% 40.10% 51.60% 63.69% 76.40% 89.76% 103.80%
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   (£12,095) (£716) £10,771 £22,374 £34,102 £45,961 £57,962 £70,112 £82,420 £94,895 £107,546
Real Return on Investment %   (9.54%) (0.56%) 8.49% 17.64% 26.89% 36.24% 45.71% 55.29% 65.00% 74.83% 84.81%