N7 Holloway, Barnsbury, Islington, Tufnell Park cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £580,352
Input Equity (£145,088)
Total Input Equity (£145,088)
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 £580,352 £580,352 £580,352 £580,352 £580,352 £580,352 £580,352 £580,352 £580,352 £580,352 £580,352 £580,352
Finance Amount £435,264 £435,264 £422,261 £408,593 £394,226 £379,124 £363,249 £346,562 £329,021 £310,583 £291,201 £270,828
Monthly Mortgage   (£2,873) (£2,873) (£2,873) (£2,873) (£2,873) (£2,873) (£2,873) (£2,873) (£2,873) (£2,873) (£2,873)
Monthly Rental   £1,803 £1,803 £1,803 £1,803 £1,803 £1,803 £1,803 £1,803 £1,803 £1,803 £1,803
Yield to Purchase Price %   3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73%
Yield to Property Value %   3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73% 3.73%
Gross Monthly Cashflow   (£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   (£12,835) (£12,835) (£12,835) (£12,835) (£12,835) (£12,835) (£12,835) (£12,835) (£12,835) (£12,835) (£12,835)
Gross Annual Expenses                        
Annual Management Expenses   (£1,212) (£1,212) (£1,212) (£1,212) (£1,212) (£1,212) (£1,212) (£1,212) (£1,212) (£1,212) (£1,212)
Gross Annual Cashflow less Expenses   (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917)
Vacancy Expenses                        
Net Annual Cashflow   (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917) (£13,917)
Net Yield %   (2.40%) (2.40%) (2.40%) (2.40%) (2.40%) (2.40%) (2.40%) (2.40%) (2.40%) (2.40%) (2.40%)
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 £145,088 £145,088 £158,091 £171,759 £186,126 £201,228 £217,103 £233,790 £251,331 £269,769 £289,151 £309,524
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   (£14,047) (£1,044) £12,624 £26,991 £42,093 £57,968 £74,655 £92,196 £110,634 £130,016 £150,389
Return on Investment %   (9.68%) (0.72%) 8.70% 18.60% 29.01% 39.95% 51.46% 63.54% 76.25% 89.61% 103.65%
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   (£14,047) (£1,023) £12,124 £25,404 £38,825 £52,398 £66,133 £80,038 £94,124 £108,400 £122,879
Real Return on Investment %   (9.68%) (0.71%) 8.36% 17.51% 26.76% 36.11% 45.58% 55.16% 64.87% 74.71% 84.69%