N5 Highbury, Highbury Fields cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £589,585
Input Equity (£147,396)
Total Input Equity (£147,396)
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 £589,585 £589,585 £589,585 £589,585 £589,585 £589,585 £589,585 £589,585 £589,585 £589,585 £589,585 £589,585
Finance Amount £442,189 £442,189 £428,979 £415,094 £400,498 £385,156 £369,028 £352,075 £334,256 £315,524 £295,834 £275,137
Monthly Mortgage   (£2,918) (£2,918) (£2,918) (£2,918) (£2,918) (£2,918) (£2,918) (£2,918) (£2,918) (£2,918) (£2,918)
Monthly Rental   £1,897 £1,897 £1,897 £1,897 £1,897 £1,897 £1,897 £1,897 £1,897 £1,897 £1,897
Yield to Purchase Price %   3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86%
Yield to Property Value %   3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86% 3.86%
Gross Monthly Cashflow   (£1,021) (£1,021) (£1,021) (£1,021) (£1,021) (£1,021) (£1,021) (£1,021) (£1,021) (£1,021) (£1,021)
Gross Annual Cashflow   (£12,253) (£12,253) (£12,253) (£12,253) (£12,253) (£12,253) (£12,253) (£12,253) (£12,253) (£12,253) (£12,253)
Gross Annual Expenses                        
Annual Management Expenses   (£1,275) (£1,275) (£1,275) (£1,275) (£1,275) (£1,275) (£1,275) (£1,275) (£1,275) (£1,275) (£1,275)
Gross Annual Cashflow less Expenses   (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392)
Vacancy Expenses                        
Net Annual Cashflow   (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392) (£13,392)
Net Yield %   (2.27%) (2.27%) (2.27%) (2.27%) (2.27%) (2.27%) (2.27%) (2.27%) (2.27%) (2.27%) (2.27%)
Debt Coverage Ratio (1:x)   0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62 0.62
Personal Equity £147,396 £147,396 £160,606 £174,491 £189,087 £204,430 £220,557 £237,510 £255,330 £274,061 £293,751 £314,448
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   (£13,528) (£319) £13,567 £28,162 £43,505 £59,632 £76,585 £94,405 £113,137 £132,827 £153,524
Return on Investment %   (9.18%) (0.22%) 9.20% 19.11% 29.52% 40.46% 51.96% 64.05% 76.76% 90.12% 104.16%
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   (£13,528) (£312) £13,029 £26,506 £40,128 £53,903 £67,842 £81,955 £96,252 £110,744 £125,440
Real Return on Investment %   (9.18%) (0.21%) 8.84% 17.98% 27.22% 36.57% 46.03% 55.60% 65.30% 75.13% 85.10%