NE26 Whitley Bay, Seaton Sluice cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £175,785
Input Equity (£43,946)
Total Input Equity (£43,946)
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 £175,785 £175,785 £175,785 £175,785 £175,785 £175,785 £175,785 £175,785 £175,785 £175,785 £175,785 £175,785
Finance Amount £131,839 £131,839 £127,900 £123,760 £119,409 £114,834 £110,026 £104,971 £99,658 £94,074 £88,203 £82,032
Monthly Mortgage   (£870) (£870) (£870) (£870) (£870) (£870) (£870) (£870) (£870) (£870) (£870)
Monthly Rental   £611 £611 £611 £611 £611 £611 £611 £611 £611 £611 £611
Yield to Purchase Price %   4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17%
Yield to Property Value %   4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17% 4.17%
Gross Monthly Cashflow   (£259) (£259) (£259) (£259) (£259) (£259) (£259) (£259) (£259) (£259) (£259)
Gross Annual Cashflow   (£3,111) (£3,111) (£3,111) (£3,111) (£3,111) (£3,111) (£3,111) (£3,111) (£3,111) (£3,111) (£3,111)
Gross Annual Expenses                        
Annual Management Expenses   (£410) (£410) (£410) (£410) (£410) (£410) (£410) (£410) (£410) (£410) (£410)
Gross Annual Cashflow less Expenses   (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477)
Vacancy Expenses                        
Net Annual Cashflow   (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477) (£3,477)
Net Yield %   (1.98%) (1.98%) (1.98%) (1.98%) (1.98%) (1.98%) (1.98%) (1.98%) (1.98%) (1.98%) (1.98%)
Debt Coverage Ratio (1:x)   0.67 0.67 0.67 0.67 0.67 0.67 0.67 0.67 0.67 0.67 0.67
Personal Equity £43,946 £43,946 £47,885 £52,025 £56,376 £60,951 £65,759 £70,814 £76,127 £81,711 £87,582 £93,753
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   (£3,521) £417 £4,557 £8,909 £13,483 £18,292 £23,346 £28,659 £34,244 £40,114 £46,285
Return on Investment %   (8.01%) 0.95% 10.37% 20.27% 30.68% 41.62% 53.12% 65.21% 77.92% 91.28% 105.32%
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   (£3,521) £409 £4,377 £8,385 £12,436 £16,534 £20,681 £24,880 £29,133 £33,445 £37,818
Real Return on Investment %   (8.01%) 0.93% 9.96% 19.08% 28.30% 37.62% 47.06% 56.61% 66.29% 76.11% 86.06%