N6 Highgate, Hampstead Heath cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £875,644
Input Equity (£218,911)
Total Input Equity (£218,911)
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 £875,644 £875,644 £875,644 £875,644 £875,644 £875,644 £875,644 £875,644 £875,644 £875,644 £875,644 £875,644
Finance Amount £656,733 £656,733 £637,114 £616,492 £594,814 £572,028 £548,076 £522,898 £496,432 £468,612 £439,369 £408,629
Monthly Mortgage   (£4,334) (£4,334) (£4,334) (£4,334) (£4,334) (£4,334) (£4,334) (£4,334) (£4,334) (£4,334) (£4,334)
Monthly Rental   £2,097 £2,097 £2,097 £2,097 £2,097 £2,097 £2,097 £2,097 £2,097 £2,097 £2,097
Yield to Purchase Price %   2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87%
Yield to Property Value %   2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87% 2.87%
Gross Monthly Cashflow   (£2,237) (£2,237) (£2,237) (£2,237) (£2,237) (£2,237) (£2,237) (£2,237) (£2,237) (£2,237) (£2,237)
Gross Annual Cashflow   (£26,850) (£26,850) (£26,850) (£26,850) (£26,850) (£26,850) (£26,850) (£26,850) (£26,850) (£26,850) (£26,850)
Gross Annual Expenses                        
Annual Management Expenses   (£1,409) (£1,409) (£1,409) (£1,409) (£1,409) (£1,409) (£1,409) (£1,409) (£1,409) (£1,409) (£1,409)
Gross Annual Cashflow less Expenses   (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108)
Vacancy Expenses                        
Net Annual Cashflow   (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108) (£28,108)
Net Yield %   (3.21%) (3.21%) (3.21%) (3.21%) (3.21%) (3.21%) (3.21%) (3.21%) (3.21%) (3.21%) (3.21%)
Debt Coverage Ratio (1:x)   0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46
Personal Equity £218,911 £218,911 £238,530 £259,152 £280,830 £303,616 £327,568 £352,746 £379,212 £407,032 £436,275 £467,015
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   (£28,259) (£8,640) £11,982 £33,660 £56,446 £80,398 £105,576 £132,042 £159,862 £189,105 £219,845
Return on Investment %   (12.91%) (3.95%) 5.47% 15.38% 25.78% 36.73% 48.23% 60.32% 73.03% 86.38% 100.43%
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   (£28,259) (£8,467) £11,508 £31,680 £52,064 £72,674 £93,524 £114,629 £136,005 £157,666 £179,629
Real Return on Investment %   (12.91%) (3.87%) 5.26% 14.47% 23.78% 33.20% 42.72% 52.36% 62.13% 72.02% 82.06%