N8 Hornsey, Crouch End, Harringay cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £795,795
Input Equity (£198,949)
Total Input Equity (£198,949)
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 £795,795 £795,795 £795,795 £795,795 £795,795 £795,795 £795,795 £795,795 £795,795 £795,795 £795,795 £795,795
Finance Amount £596,846 £596,846 £579,017 £560,275 £540,574 £519,865 £498,097 £475,215 £451,163 £425,880 £399,303 £371,367
Monthly Mortgage   (£3,939) (£3,939) (£3,939) (£3,939) (£3,939) (£3,939) (£3,939) (£3,939) (£3,939) (£3,939) (£3,939)
Monthly Rental   £2,036 £2,036 £2,036 £2,036 £2,036 £2,036 £2,036 £2,036 £2,036 £2,036 £2,036
Yield to Purchase Price %   3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07%
Yield to Property Value %   3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07% 3.07%
Gross Monthly Cashflow   (£1,903) (£1,903) (£1,903) (£1,903) (£1,903) (£1,903) (£1,903) (£1,903) (£1,903) (£1,903) (£1,903)
Gross Annual Cashflow   (£22,832) (£22,832) (£22,832) (£22,832) (£22,832) (£22,832) (£22,832) (£22,832) (£22,832) (£22,832) (£22,832)
Gross Annual Expenses                        
Annual Management Expenses   (£1,368) (£1,368) (£1,368) (£1,368) (£1,368) (£1,368) (£1,368) (£1,368) (£1,368) (£1,368) (£1,368)
Gross Annual Cashflow less Expenses   (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054)
Vacancy Expenses                        
Net Annual Cashflow   (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054) (£24,054)
Net Yield %   (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%) (3.02%)
Debt Coverage Ratio (1:x)   0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49 0.49
Personal Equity £198,949 £198,949 £216,778 £235,520 £255,221 £275,930 £297,698 £320,580 £344,632 £369,915 £396,492 £424,428
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   (£24,201) (£6,371) £12,371 £32,072 £52,780 £74,548 £97,430 £121,483 £146,766 £173,342 £201,279
Return on Investment %   (12.16%) (3.20%) 6.22% 16.12% 26.53% 37.47% 48.97% 61.06% 73.77% 87.13% 101.17%
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   (£24,201) (£6,244) £11,881 £30,186 £48,683 £67,386 £86,308 £105,462 £124,863 £144,524 £164,459
Real Return on Investment %   (12.16%) (3.14%) 5.97% 15.17% 24.47% 33.87% 43.38% 53.01% 62.76% 72.64% 82.66%