NE19 Otterburn, Catcleugh cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £376,624
Input Equity (£94,156)
Total Input Equity (£94,156)
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 £376,624 £376,624 £376,624 £376,624 £376,624 £376,624 £376,624 £376,624 £376,624 £376,624 £376,624 £376,624
Finance Amount £282,468 £282,468 £274,030 £265,160 £255,836 £246,035 £235,733 £224,904 £213,521 £201,555 £188,977 £175,756
Monthly Mortgage   (£1,864) (£1,864) (£1,864) (£1,864) (£1,864) (£1,864) (£1,864) (£1,864) (£1,864) (£1,864) (£1,864)
Monthly Rental   £691 £691 £691 £691 £691 £691 £691 £691 £691 £691 £691
Yield to Purchase Price %   2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20%
Yield to Property Value %   2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20% 2.20%
Gross Monthly Cashflow   (£1,173) (£1,173) (£1,173) (£1,173) (£1,173) (£1,173) (£1,173) (£1,173) (£1,173) (£1,173) (£1,173)
Gross Annual Cashflow   (£14,074) (£14,074) (£14,074) (£14,074) (£14,074) (£14,074) (£14,074) (£14,074) (£14,074) (£14,074) (£14,074)
Gross Annual Expenses                        
Annual Management Expenses   (£465) (£465) (£465) (£465) (£465) (£465) (£465) (£465) (£465) (£465) (£465)
Gross Annual Cashflow less Expenses   (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489)
Vacancy Expenses                        
Net Annual Cashflow   (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489) (£14,489)
Net Yield %   (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%) (3.85%)
Debt Coverage Ratio (1:x)   0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35 0.35
Personal Equity £94,156 £94,156 £102,594 £111,464 £120,788 £130,589 £140,891 £151,720 £163,103 £175,069 £187,647 £200,868
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   (£14,539) (£6,100) £2,769 £12,093 £21,894 £32,196 £43,025 £54,409 £66,374 £78,952 £92,173
Return on Investment %   (15.44%) (6.48%) 2.94% 12.84% 23.25% 34.19% 45.70% 57.79% 70.49% 83.85% 97.89%
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   (£14,539) (£5,978) £2,660 £11,382 £20,194 £29,103 £38,114 £47,233 £56,469 £65,826 £75,312
Real Return on Investment %   (15.44%) (6.35%) 2.82% 12.09% 21.45% 30.91% 40.48% 50.17% 59.97% 69.91% 79.99%