NE34 Harton, Horsley Hill, Marsden, Simonside, Brockley Whins cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £117,757
Input Equity (£29,439)
Total Input Equity (£29,439)
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 £117,757 £117,757 £117,757 £117,757 £117,757 £117,757 £117,757 £117,757 £117,757 £117,757 £117,757 £117,757
Finance Amount £88,318 £88,318 £85,679 £82,906 £79,991 £76,927 £73,705 £70,320 £66,760 £63,019 £59,087 £54,953
Monthly Mortgage   (£583) (£583) (£583) (£583) (£583) (£583) (£583) (£583) (£583) (£583) (£583)
Monthly Rental   £484 £484 £484 £484 £484 £484 £484 £484 £484 £484 £484
Yield to Purchase Price %   4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94%
Yield to Property Value %   4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94% 4.94%
Gross Monthly Cashflow   (£98) (£98) (£98) (£98) (£98) (£98) (£98) (£98) (£98) (£98) (£98)
Gross Annual Cashflow   (£1,182) (£1,182) (£1,182) (£1,182) (£1,182) (£1,182) (£1,182) (£1,182) (£1,182) (£1,182) (£1,182)
Gross Annual Expenses                        
Annual Management Expenses   (£325) (£325) (£325) (£325) (£325) (£325) (£325) (£325) (£325) (£325) (£325)
Gross Annual Cashflow less Expenses   (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473)
Vacancy Expenses                        
Net Annual Cashflow   (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473) (£1,473)
Net Yield %   (1.25%) (1.25%) (1.25%) (1.25%) (1.25%) (1.25%) (1.25%) (1.25%) (1.25%) (1.25%) (1.25%)
Debt Coverage Ratio (1:x)   0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79
Personal Equity £29,439 £29,439 £32,078 £34,851 £37,766 £40,830 £44,052 £47,437 £50,997 £54,738 £58,671 £62,804
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   (£1,507) £1,131 £3,904 £6,819 £9,884 £13,105 £16,491 £20,050 £23,791 £27,724 £31,858
Return on Investment %   (5.12%) 3.84% 13.26% 23.16% 33.57% 44.51% 56.02% 68.11% 80.81% 94.17% 108.21%
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   (£1,507) £1,108 £3,750 £6,418 £9,116 £11,846 £14,608 £17,406 £20,241 £23,115 £26,030
Real Return on Investment %   (5.12%) 3.76% 12.74% 21.80% 30.97% 40.24% 49.62% 59.12% 68.75% 78.52% 88.42%