NE20 Ponteland cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £523,595
Input Equity (£130,899)
Total Input Equity (£130,899)
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 £523,595 £523,595 £523,595 £523,595 £523,595 £523,595 £523,595 £523,595 £523,595 £523,595 £523,595 £523,595
Finance Amount £392,696 £392,696 £380,965 £368,634 £355,672 £342,047 £327,724 £312,669 £296,844 £280,208 £262,722 £244,342
Monthly Mortgage   (£2,592) (£2,592) (£2,592) (£2,592) (£2,592) (£2,592) (£2,592) (£2,592) (£2,592) (£2,592) (£2,592)
Monthly Rental   £1,152 £1,152 £1,152 £1,152 £1,152 £1,152 £1,152 £1,152 £1,152 £1,152 £1,152
Yield to Purchase Price %   2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64%
Yield to Property Value %   2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64% 2.64%
Gross Monthly Cashflow   (£1,440) (£1,440) (£1,440) (£1,440) (£1,440) (£1,440) (£1,440) (£1,440) (£1,440) (£1,440) (£1,440)
Gross Annual Cashflow   (£17,275) (£17,275) (£17,275) (£17,275) (£17,275) (£17,275) (£17,275) (£17,275) (£17,275) (£17,275) (£17,275)
Gross Annual Expenses                        
Annual Management Expenses   (£774) (£774) (£774) (£774) (£774) (£774) (£774) (£774) (£774) (£774) (£774)
Gross Annual Cashflow less Expenses   (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966)
Vacancy Expenses                        
Net Annual Cashflow   (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966) (£17,966)
Net Yield %   (3.43%) (3.43%) (3.43%) (3.43%) (3.43%) (3.43%) (3.43%) (3.43%) (3.43%) (3.43%) (3.43%)
Debt Coverage Ratio (1:x)   0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42 0.42
Personal Equity £130,899 £130,899 £142,630 £154,961 £167,923 £181,548 £195,871 £210,926 £226,751 £243,387 £260,873 £279,253
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   (£18,049) (£6,318) £6,013 £18,975 £32,600 £46,923 £61,978 £77,803 £94,438 £111,925 £130,305
Return on Investment %   (13.79%) (4.83%) 4.59% 14.50% 24.91% 35.85% 47.35% 59.44% 72.15% 85.50% 99.55%
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   (£18,049) (£6,192) £5,775 £17,859 £30,070 £42,414 £54,903 £67,543 £80,345 £93,317 £106,469
Real Return on Investment %   (13.79%) (4.73%) 4.41% 13.64% 22.97% 32.40% 41.94% 51.60% 61.38% 71.29% 81.34%