NE1 Newcastle city centre cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £148,740
Input Equity (£37,185)
Total Input Equity (£37,185)
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 £148,740 £148,740 £148,740 £148,740 £148,740 £148,740 £148,740 £148,740 £148,740 £148,740 £148,740 £148,740
Finance Amount £111,555 £111,555 £108,223 £104,720 £101,037 £97,167 £93,098 £88,821 £84,326 £79,600 £74,633 £69,411
Monthly Mortgage   (£736) (£736) (£736) (£736) (£736) (£736) (£736) (£736) (£736) (£736) (£736)
Monthly Rental   £756 £756 £756 £756 £756 £756 £756 £756 £756 £756 £756
Yield to Purchase Price %   6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10%
Yield to Property Value %   6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10% 6.10%
Gross Monthly Cashflow   £19 £19 £19 £19 £19 £19 £19 £19 £19 £19 £19
Gross Annual Cashflow   £233 £233 £233 £233 £233 £233 £233 £233 £233 £233 £233
Gross Annual Expenses                        
Annual Management Expenses   (£508) (£508) (£508) (£508) (£508) (£508) (£508) (£508) (£508) (£508) (£508)
Gross Annual Cashflow less Expenses   (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220)
Vacancy Expenses                        
Net Annual Cashflow   (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220)
Taxable Income   £233 £233 £233 £233 £233 £233 £233 £233 £233 £233 £233
Tax Payable                        
Net Annual Cashflow Less Tax   (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220)
Net Yield %   (0.15%) (0.15%) (0.15%) (0.15%) (0.15%) (0.15%) (0.15%) (0.15%) (0.15%) (0.15%) (0.15%)
Debt Coverage Ratio (1:x)   0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98 0.98
Personal Equity £37,185 £37,185 £40,518 £44,020 £47,703 £51,573 £55,642 £59,919 £64,414 £69,140 £74,107 £79,329
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   (£275) £3,058 £6,561 £10,243 £14,113 £18,182 £22,459 £26,954 £31,680 £36,647 £41,869
Return on Investment %   (0.74%) 8.22% 17.64% 27.55% 37.95% 48.90% 60.40% 72.49% 85.20% 98.55% 112.60%
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   (£275) £2,996 £6,301 £9,640 £13,018 £16,435 £19,895 £23,400 £26,952 £30,555 £34,210
Real Return on Investment %   (0.74%) 8.06% 16.94% 25.93% 35.01% 44.20% 53.50% 62.93% 72.48% 82.17% 92.00%