NE23 Cramlington cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £141,438
Input Equity (£35,360)
Total Input Equity (£35,360)
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 £141,438 £141,438 £141,438 £141,438 £141,438 £141,438 £141,438 £141,438 £141,438 £141,438 £141,438 £141,438
Finance Amount £106,079 £106,079 £102,910 £99,579 £96,077 £92,397 £88,528 £84,461 £80,186 £75,692 £70,969 £66,004
Monthly Mortgage   (£700) (£700) (£700) (£700) (£700) (£700) (£700) (£700) (£700) (£700) (£700)
Monthly Rental   £481 £481 £481 £481 £481 £481 £481 £481 £481 £481 £481
Yield to Purchase Price %   4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08%
Yield to Property Value %   4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08% 4.08%
Gross Monthly Cashflow   (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220) (£220)
Gross Annual Cashflow   (£2,635) (£2,635) (£2,635) (£2,635) (£2,635) (£2,635) (£2,635) (£2,635) (£2,635) (£2,635) (£2,635)
Gross Annual Expenses                        
Annual Management Expenses   (£323) (£323) (£323) (£323) (£323) (£323) (£323) (£323) (£323) (£323) (£323)
Gross Annual Cashflow less Expenses   (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923)
Vacancy Expenses                        
Net Annual Cashflow   (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923) (£2,923)
Net Yield %   (2.07%) (2.07%) (2.07%) (2.07%) (2.07%) (2.07%) (2.07%) (2.07%) (2.07%) (2.07%) (2.07%)
Debt Coverage Ratio (1:x)   0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65 0.65
Personal Equity £35,360 £35,360 £38,528 £41,859 £45,361 £49,041 £52,910 £56,977 £61,252 £65,746 £70,469 £75,434
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   (£2,958) £211 £3,542 £7,044 £10,724 £14,593 £18,660 £22,935 £27,428 £32,152 £37,117
Return on Investment %   (8.36%) 0.60% 10.02% 19.92% 30.33% 41.27% 52.77% 64.86% 77.57% 90.93% 104.97%
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   (£2,958) £207 £3,402 £6,629 £9,892 £13,191 £16,530 £19,910 £23,335 £26,807 £30,327
Real Return on Investment %   (8.36%) 0.59% 9.62% 18.75% 27.97% 37.31% 46.75% 56.31% 65.99% 75.81% 85.77%