NE2 Jesmond, Spital Tongues cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £171,051
Input Equity (£42,763)
Total Input Equity (£42,763)
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 £171,051 £171,051 £171,051 £171,051 £171,051 £171,051 £171,051 £171,051 £171,051 £171,051 £171,051 £171,051
Finance Amount £128,288 £128,288 £124,456 £120,427 £116,193 £111,742 £107,063 £102,144 £96,975 £91,540 £85,828 £79,823
Monthly Mortgage   (£847) (£847) (£847) (£847) (£847) (£847) (£847) (£847) (£847) (£847) (£847)
Monthly Rental   £749 £749 £749 £749 £749 £749 £749 £749 £749 £749 £749
Yield to Purchase Price %   5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25%
Yield to Property Value %   5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25% 5.25%
Gross Monthly Cashflow   (£98) (£98) (£98) (£98) (£98) (£98) (£98) (£98) (£98) (£98) (£98)
Gross Annual Cashflow   (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176) (£1,176)
Gross Annual Expenses                        
Annual Management Expenses   (£503) (£503) (£503) (£503) (£503) (£503) (£503) (£503) (£503) (£503) (£503)
Gross Annual Cashflow less Expenses   (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625)
Vacancy Expenses                        
Net Annual Cashflow   (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625) (£1,625)
Net Yield %   (0.95%) (0.95%) (0.95%) (0.95%) (0.95%) (0.95%) (0.95%) (0.95%) (0.95%) (0.95%) (0.95%)
Debt Coverage Ratio (1:x)   0.84 0.84 0.84 0.84 0.84 0.84 0.84 0.84 0.84 0.84 0.84
Personal Equity £42,763 £42,763 £46,595 £50,624 £54,858 £59,309 £63,988 £68,907 £74,076 £79,511 £85,223 £91,228
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   (£1,679) £2,154 £6,182 £10,417 £14,868 £19,547 £24,465 £29,635 £35,069 £40,782 £46,787
Return on Investment %   (3.93%) 5.04% 14.46% 24.36% 34.77% 45.71% 57.21% 69.30% 82.01% 95.37% 109.41%
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   (£1,679) £2,111 £5,937 £9,804 £13,714 £17,669 £21,672 £25,727 £29,836 £34,002 £38,228
Real Return on Investment %   (3.93%) 4.94% 13.88% 22.93% 32.07% 41.32% 50.68% 60.16% 69.77% 79.51% 89.40%