NE25 Monkseaton, New Hartley, Holywell, Seaton Delaval cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £159,523
Input Equity (£39,881)
Total Input Equity (£39,881)
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 £159,523 £159,523 £159,523 £159,523 £159,523 £159,523 £159,523 £159,523 £159,523 £159,523 £159,523 £159,523
Finance Amount £119,642 £119,642 £116,068 £112,311 £108,362 £104,211 £99,847 £95,260 £90,439 £85,371 £80,043 £74,443
Monthly Mortgage   (£790) (£790) (£790) (£790) (£790) (£790) (£790) (£790) (£790) (£790) (£790)
Monthly Rental   £591 £591 £591 £591 £591 £591 £591 £591 £591 £591 £591
Yield to Purchase Price %   4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45%
Yield to Property Value %   4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45% 4.45%
Gross Monthly Cashflow   (£198) (£198) (£198) (£198) (£198) (£198) (£198) (£198) (£198) (£198) (£198)
Gross Annual Cashflow   (£2,378) (£2,378) (£2,378) (£2,378) (£2,378) (£2,378) (£2,378) (£2,378) (£2,378) (£2,378) (£2,378)
Gross Annual Expenses                        
Annual Management Expenses   (£397) (£397) (£397) (£397) (£397) (£397) (£397) (£397) (£397) (£397) (£397)
Gross Annual Cashflow less Expenses   (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733)
Vacancy Expenses                        
Net Annual Cashflow   (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733) (£2,733)
Net Yield %   (1.71%) (1.71%) (1.71%) (1.71%) (1.71%) (1.71%) (1.71%) (1.71%) (1.71%) (1.71%) (1.71%)
Debt Coverage Ratio (1:x)   0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.71
Personal Equity £39,881 £39,881 £43,455 £47,212 £51,161 £55,312 £59,676 £64,263 £69,084 £74,152 £79,480 £85,080
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   (£2,775) £799 £4,556 £8,505 £12,656 £17,020 £21,607 £26,428 £31,496 £36,824 £42,424
Return on Investment %   (6.96%) 2.00% 11.42% 21.33% 31.74% 42.68% 54.18% 66.27% 78.98% 92.34% 106.38%
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   (£2,775) £783 £4,376 £8,005 £11,674 £15,385 £19,140 £22,943 £26,796 £30,702 £34,663
Real Return on Investment %   (6.96%) 1.96% 10.97% 20.07% 29.27% 38.58% 47.99% 57.53% 67.19% 76.98% 86.92%