NE18 Stamfordham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £517,811
Input Equity (£129,453)
Total Input Equity (£129,453)
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 £517,811 £517,811 £517,811 £517,811 £517,811 £517,811 £517,811 £517,811 £517,811 £517,811 £517,811 £517,811
Finance Amount £388,358 £388,358 £376,757 £364,562 £351,743 £338,268 £324,104 £309,215 £293,564 £277,113 £259,820 £241,642
Monthly Mortgage   (£2,563) (£2,563) (£2,563) (£2,563) (£2,563) (£2,563) (£2,563) (£2,563) (£2,563) (£2,563) (£2,563)
Monthly Rental   £743 £743 £743 £743 £743 £743 £743 £743 £743 £743 £743
Yield to Purchase Price %   1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72%
Yield to Property Value %   1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72% 1.72%
Gross Monthly Cashflow   (£1,820) (£1,820) (£1,820) (£1,820) (£1,820) (£1,820) (£1,820) (£1,820) (£1,820) (£1,820) (£1,820)
Gross Annual Cashflow   (£21,843) (£21,843) (£21,843) (£21,843) (£21,843) (£21,843) (£21,843) (£21,843) (£21,843) (£21,843) (£21,843)
Gross Annual Expenses                        
Annual Management Expenses   (£499) (£499) (£499) (£499) (£499) (£499) (£499) (£499) (£499) (£499) (£499)
Gross Annual Cashflow less Expenses   (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288)
Vacancy Expenses                        
Net Annual Cashflow   (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288) (£22,288)
Net Yield %   (4.30%) (4.30%) (4.30%) (4.30%) (4.30%) (4.30%) (4.30%) (4.30%) (4.30%) (4.30%) (4.30%)
Debt Coverage Ratio (1:x)   0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.28 0.28
Personal Equity £129,453 £129,453 £141,054 £153,249 £166,068 £179,543 £193,707 £208,596 £224,247 £240,698 £257,991 £276,169
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   (£22,342) (£10,740) £1,455 £14,274 £27,748 £41,913 £56,801 £72,452 £88,903 £106,196 £124,374
Return on Investment %   (17.26%) (8.30%) 1.12% 11.03% 21.44% 32.38% 43.88% 55.97% 68.68% 82.03% 96.08%
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   (£22,342) (£10,526) £1,397 £13,434 £25,594 £37,886 £50,317 £62,897 £75,636 £88,541 £101,623
Real Return on Investment %   (17.26%) (8.13%) 1.08% 10.38% 19.77% 29.27% 38.87% 48.59% 58.43% 68.40% 78.50%